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Let's unlock your best score

What do we provide?
FREE  Credit Consultation

Long Term Credit & Debt Solutions
Successful Home Ownership

Our Accreditations

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.

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.

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.

Jason "Jay" Urban

 Years of experience: 15
Position: Certified FICO© Specialist & Analyst

Jason  is an experienced mortgage professional and brings exceptional credit related experience to the team. Clients can expect to learn a wealth of information from him.  

Crystal Guthrie

 Years of experience: 6
Position: Sr. Processor

Before joining Everlasting Credit Repair, Crystal worked for several underwriting companies. She brings a wealth of experience to the client relations team. 

Melissa Cooper

Years of experience: 1

Position: Administrative Assistant & 

Client Coordinator

Melissa helps clients activate their portals, upload important documentation, as well as keeping clients up-to-date with their files.

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.

Daniel Solorzano

 Years of experience: 3
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.

some of Our Referring Partners