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Let's unlock your best score

What do we provide?
FREE  Certified Credit Consultation

Low Credit Score Solutions
Become Mortgage Ready

Guaranteed Results



Challenged credit?

Did you know you have rights?

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.

What is Credit Counseling?

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.

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Credit Education

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.

Real Options! Real solutions! for real people!

Increasing Scores

Quick ways to increase your scores.

Boost Score

Erasing Bad Credit

Learn how bad credit is really deleted?

How it Works

Mortgage Ready

Becoming Mortgage Ready is very important. Let's start.

Start

Our Accreditations

What we do:

Get You Home Loan Ready

Home-ownership is so exciting.  We have helped hundreds of clients experience the dream of home-ownership. 

Better Credit

Understanding your credit, and why you need positive credit is one of the first steps to becoming home loan ready. 

Guaranteed 640 Credit Score

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!

What is Credit Rehabilitation?

Video explaining, what we do, what is a credit score, who are the three major credit bureaus...

Our Team

Christina Hayes

 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.

Crystal Guthrie

Years of experience: 6 

Position: Senior Processor  


Before joining ECC, Crystal worked for several underwriting companies. She brings a wealth of experience to the client relations team.  Her main role is to process files, help clients with their questions, and negotiate with Agencies.



Melissa Cooper

Years of experience: 2

Position: Senior Processor


Melissa helps clients activate their portals, upload important documentation, as well as keeping clients up-to-date with their files.  Her main role is to process files, help clients with their questions, and negotiate with Agencies. 

Steve Cooper

Years of experience: 10

Position: Credit Rehabilitation 

Sales Consultant


Steve Cooper has been involved in our local community helping clients understand their credit issues, to better understand their credit needs.

Clarise Arnold

 Years of experience: 10
Position: Credit Rehabilitation 

Sales Consultant


Clarise has been involved in our local community helping clients understand their credit issues, to better understand their credit needs.

Daniel Solorzano

 Years of experience: 7
Position: Certified Credit Consultant &

Debt Settlement Agent


Daniel is one of our Credit Counselor's and he spends most of his time helping clients settle out their debts, and assisting clients understand their settlement options.

Victoria Hayes

Years of Experience: 5

Position: Client Intake Coordinator


Victoria enjoys helping new and potential clients understand our process, as well she helps clients with their portal, etc.  However, she has been around credit and real estate all her life.

Brenda Galvan

Years of Experience:  2

Position: Junior Processor/Client Coordinator


Brenda helps the Sr. Processors set up client files, as well as helping clients directly whenever and wherever needed.

Sales Team

Sales Agents help potential clients understand our goals and focus in order to see if we are a good fit for their needs.  Not only does our Sales Team get involved with their local communities they help spread credit awareness, to help everybody be able to qualify for their very own homes/

some of Our Referring Partners