Credit Bureaus must follow the FCRA (Fair Credit Reporting Act) and Collection agencies must follow the FDCPA (Fair Debt Collections Practices Act) we make sure the bureaus and collection agencies are following these standards.
Credit Counseling is the process of helping consumers understand their credit reports and help understand any errors found on a credit report. There is no quick fix to a low credit score. We help you resolve negative debt, such as collections, charge-offs, etc.
Not only do we help you understand your credit reports, we will also assist you on how to obtain positive credit, understand what can harm your credit scores, and assist you on becoming home loan ready and so much more.
Home-ownership is so exciting. We have helped hundreds of clients experience the dream of home-ownership.
Understanding your credit, and why you need positive credit is one of the first steps to becoming home loan ready.
Yes, this is correct. Clients, who have completed our program experience scores greater than 640. This is why many lenders refer their denied clients. If you have recently experienced a denial for a home loan, we can help you!
Video explaining, what we do, what is a credit score, who are the three major credit bureaus...
Years of experience: 17
Position: CEO & Senior Certified Credit Counselor & Mortgage Banker
Christina founded the company to help consumers with challenged credit understand their legal rights. She also has experience as a mortgage lender and mortgage underwriter. She is a Certified Credit, Housing, Debt, & Financial Counselor.