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Credit

Your individual credit rating is one of your most important personal possessions. 
It's the most important factor in obtaining new financing and the interest rates you receive. 
Why pay thousands per year in additional interest on a home, auto and credit cards.
I'll help you build and establish or restore your credit profile with FREE insider tips.

Understand how credit works before a major purchase or any attempt to improve your scores.
Avoid the pitfalls of greater damage by paying/closing/disputing the wrong accounts.  
I've helped hundreds of clients by recommending the right solution for their situation.  
 
 
 Repairing Your Credit

Removing inaccurate or improving damaged credit can be very time consuming and frustrating.
On the other hand paying a professional 3rd-Party Credit Repair service can be very costly.
Repairing credit is simply disputing the inaccurate information in your credit file.
This can be done yourself or by 3rd-Parties offering various levels of service.
Either way improving your credit will benefit you tremendously in the long run. 

 FREE Credit Analysis
A personal recommendation based on your specific circumstances.
  

Do It Yourself 
I tell you who/what /where/how to repair your inaccurate or damaged credit.

I'll work with you step-by-step through the entire improvement process.
Click here for a sample credit dispute letter.
(I'll even show you how many items can be solved with a phone call)

Know how credit works before you dispute items, close accounts or pay collections.
Many popular credit repair tips actually DECREASE your credit rating.
  

                       Professionals
              For those who lack time and want a more in-depth approach.

             Many firms offer credit repair - but are often costly and not effective.
                              Contact me for my personal recommendation.

        Tips to Avoid Further Damaging Credit

If you are having difficulty meeting your current obligations...

  • Always pay your MORTGAGE and other installment loans first.
  • Avoid being 30+ days late - 29 days or less will not affect the credit report.
  • Consumer Credit Counseling or partial-payment will LOWER your credit score.   
  • Work out solutions with utility/phone/cable accounts - they do not effect credit reports. 

Contact me for advice if you are facing foreclosure.