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We understand that feeling of being denied for something we really had our hearts set on all due to misinformation showing up on our credit reports. Credit dictates a slew of things in our adult lives such as where we get to live, what kind of vehicles we drive, and what type of business finances we have access to. Contact us to get started!

Services We Offer:

We offer services to help with ALL your credit needs!

Recent Blog Posts

Keep up on the latest credit industry news:

Videos

Videos

Watch our channel to see our recommended tips & tricks!

Free Resources

Free Resources

Everyone loves FREE! Visit our resources page for FREE credit resources!

E-Books

E-Books

Read all about the different techniques to improve your credit!

Letters

Letters

Can't quite afford our disputing services? Try sending out letters!

Credit Monitoring

Credit Monitoring

Credit changes from all 3 bureaus, get your full credit picture today!

Credit Building

Credit Building

Remove all of your negatives items, then start building today!

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Credit Counseling

Credit Counseling

We offer counseling services that includes and in-depth review of what to do and what not to do with your credit as your as enrolled in our program.

Credit Building

Credit Building

After your credit has been repaired and all negative items have been removed we help you establish positive credit by doing the right things to your credit.

Credit Education

Credit Education

We help educate you, so your know how to maintain positive credit long after you have completed our program. Everyone should know how to use credit properly.

Credit Repair

Credit Repair

We use the power of the Consumer Rights Laws to protect your credit reports from the errors. Our running motto is "If they can't prove it, they must remove it!"

Are you a slave to the creditors on your credit reports?

According to Proverbs 22:7, "The rich rule over the poor, and the borrower is slave to the lender."

Student Loans

Student Loans

We help you remove, consolidate, or get on a payment plan for your students loans. There is no longer a need to run from Sallie Mae and the US Dept of Education.

Business Credit

Business Credit

Whether you have business credit, don't know what to do with it, or have damaged business credit we help you establish credit for your business the correct way!

We use the tools God has blessed us with to be a blessing to others:

For far too long we have watched as many Americans get themselves into subprime loans because they have not taken the time to get their credit in order. We strive to help educate our community on the inner workings of how credit actually works. John 13: 12-17 (NLT) After washing their feet, he put on his robe again and sat down and asked, “Do you understand what I was doing? You call me ‘Teacher’ and ‘Lord,’ and you are right, because that’s what I am. And since I, your Lord and Teacher, have washed your feet, you ought to wash each other’s feet. I have given you an example to follow. Do as I have done to you. I tell you the truth, slaves are not greater than their master. Nor is the messenger more important than the one who sends the message. Now that you know these things, God will bless you for doing them. We have been called to help others out of debt slavery, this is how we wash the feet of our fellow disciples: It is time we wash your feet!

Credit and Divorce

FTC Facts for Consumers CREDIT I



Mary and Bill recently divorced. Their divorce decree stated that Bill would pay the balances on their three joint credit card accounts. Months later, after Bill neglected to pay off these accounts, all three creditors contacted Mary for payment. She referred them to the divorce decree, insisting that she was not responsible for the accounts. The creditors correctly stated that they were not parties to the decree and that Mary was still legally responsible for paying off the couple’s joint accounts. Mary later found out that the late payments appeared on her credit report.

If you've recently been through a divorce — or are contemplating one — you may want to look closely at issues involving credit. Understanding the different kinds of credit accounts opened during a marriage may help illuminate the potential benefits — and pitfalls — of each.

There are two types of credit accounts: individual and joint. You can permit authorized persons to use the account with either. When you apply for credit — whether a charge card or a mortgage loan — you'll be asked to select one type.


Individual or Joint Account


Individual Account: Your income, assets, and credit history are considered by the creditor. Whether you are married or single, you alone are responsible for paying off the debt. The account will appear on your credit report and may appear on the credit report of any "authorized" user. However, if you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin), you and your spouse may be responsible for debts incurred during the marriage, and the individual debts of one spouse may appear on the credit report of the other.

Advantages/Disadvantages: If you're not employed outside the home, work part-time, or have a low-paying job, it may be difficult to demonstrate a strong financial picture without your spouse's income. But if you open an account in your name and are responsible, no one can negatively affect your credit record.

Credit Divorce and FOR THE CONSUMER 1-877-FTC-HELP FEDERAL TRADE COMMISSION FOR THE CONSUMER www.ftc.gov

Facts for Consumers

Joint Account: Your income, financial assets, and credit history — and your spouse's — are considerations for a joint account. No matter who handles the household bills, you and your spouse are responsible for seeing that debts are paid. A creditor who reports the credit history of a joint account to credit bureaus must report it in both names (if the account was opened after June 1, 1977).

Advantages/Disadvantages:
An application combining the financial resources of two people may present a stronger case to a creditor who is granting a loan or credit card. But because two people applied together for the credit, each is responsible for the debt. This is true even if a divorce decree assigns separate debt obligations to each spouse. Former spouses who run up bills and don't pay them can hurt their ex-partner's credit histories on jointly-held accounts.

Account "Users"

If you open an individual account, you may authorize another person to use it. If you name your spouse as the authorized user, a creditor who reports the credit history to a credit bureau must report it in your spouse's name as well as in your's (if the account was opened after June 1, 1977). A creditor also may report the credit history in the name of any other authorized user.

Advantages/Disadvantages:
User accounts often are opened for convenience. They benefit people who might not qualify for credit on their own, such as students or homemakers. While these people may use the account, you — not they — are contractually liable for paying the debt.

If You Divorce

If you're considering divorce or separation, pay special attention to the status of your credit accounts. If you maintain joint accounts during this time, it's important to make regular payments so that your credit record won’t suffer. As long as there's an outstanding balance on a joint account, you and your spouse are responsible for it.

If you divorce, you may want to close joint accounts or accounts in which your former spouse was an authorized user. Or ask the creditor to convert these accounts to individual accounts.

By law, a creditor cannot close a joint account because of a change in marital status, but can do so at the request of either spouse. A creditor, however, does not have to change joint accounts to individual accounts. The creditor can require you to reapply for credit on an individual basis and then, based on your new application, extend or deny you credit. In the case of a mortgage or home equity loan, a lender is likely to require refinancing to remove a spouse from the obligation.

For More Information The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them.

To file a complaint or to get free information on consumer issues,
visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357);
 TTY: 1-866-653-4261.

The FTC enters the Internet, telemarketing, identity theft and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

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