Who We Are

We know that you may be skeptical about hiring a credit repair specialist to help improve your credit scores.  We get it. There have been plenty of reports of credit repair scams promising to delete all your bad credit and improve your scores by astronomical numbers.  

But, that’s just not who we are. We have many years of experience in evaluating credit and guiding you to assert your legal rights as indicated under the Fair Credit Reporting Act (FCRA). 

We do it every day!  We work very hard to earn your trust.  We can help you get your credit back on the right track. 

 

OUR MISSION

Our mission is to help individuals, small business owners and entrepreneurs obtain the capital and credit they need to fuel their dreams. 

Whether you are just starting out, or you are looking for millions in capital to expand, we have solutions that can help you fund your endeavors. 

Get to know us, we want to get to know you. . . Even if the banks and everyone else in your life is saying ‘no’ there is a good chance we can help you. Start by saying ‘yes’ I’d like a free consultation … reach out to us today.

Learn More About Our Credibility

Credibility is important, really important. Check out our links below to see funding case studies, see actual business credit results, and see what our customers have to say.

Personal Credit Results

We love to help good people with bad credit. See some of the results we got for some great people. We can help you too!

Funding Case Studies

We’ve provided so many different types of loans to small businesses like yours, even when the banks said ‘no’.

Business Testimonials

See what our customers have to say about the personal or business credit, or financing results they’ve seen so far

What We WILL Provide

  • A team of experts to who can answer your questions and provide guidance.
  • A written contract that spells out our services in an easy-to-read format.
  • A written credit analysis based on your credit reports provided by Equifax, Experian and TransUnion.
  • Secure access to your account where you can monitor all activity.
  • Budgeting tools to track your expenses and outstanding debt.
  • Mortgage, debt tracking and savings calculators you can use to monitor your finances.
  • A helping hand so you can improve your credit scores and your personal financial situation.
  • We focus on compliance so you can rest assured your credit will be repaired by the best in the industry.
  • Our fees are flexible and fair. You pay only for the items we remove from your credit report.

Frequently Asked Question

Credit repair is the process of removing negative items from your credit report such as late payments, liens, foreclosures, repossessions and more so your credit score goes up. The higher your credit score the more likely you are to get the loans and lines of credit you need to live the life you want to live. The better your credit score the better your interest rates will be making your personal debt needed more affordable.

A credit repair company starts by reading a credit report and discovering the negative items, then gets to work at disputing and removing the negative marks to increase the credit score. A credit repair company will: Write effective dispute letters. Understand how to negotiate with creditors on their clients’ behalf.

Credit repair has always been important. Mortgage, auto and personal lenders have long relied on your three-digit credit scores to determine if you are creditworthy enough to qualify for a loan. … Even auto insurance companies often rely on credit scores when setting policy premiums.

Credit repair is the process of fixing poor credit standing that may have deteriorated for a variety of different reasons. Repairing credit standing may be as simple as disputing mistakes information with the credit agencies.

Credit repair companies work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score. They ensure your credit history is up-to-date, accurate and honestly reflects your finances.

Yes, you can! Credit repair is 100% legal. The Fair Credit Reporting Act (FCRA) gives you the right to dispute any item on your credit report.

  • If an item cannot be verified, it must be removed
  • This will immediately boost your credit score
  • Even accurate negative items can often be removed or negotiated to be removed

But, keep in mind, the credit reporting system is designed to keep you
poor! Once you fall behind it becomes difficult to recover.

Our team and finance suite platform pull together all legitimate business lending programs into one place. We work with hundreds of different lenders that offer unique loan programs that work for all different types of borrowers. Read More

Our Credit Medic Group Business Credit Builder program helps you start and grow your business without using your own funds, personal credit, or funds from your family and friends. We help you build credit for your EIN that’s not linked to your personal social security number. This credit doesn’t require cash flow, collateral, or good personal credit to qualify. So, you can get approved even as a startup business, and regardless of your personal credit quality. SEE OUR VIDEO How to build business credit for your EIN that’s not linked to your personal SSN

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MEET CAROL RINGWALD

Carol is a proven leader with over 40 years in the financial services industry. She possesses a unique blend of entrepreneurial fire with a deep passion to help business and individuals improve their financial fitness. Carol has held management and investment advisory positions with Nationwide Insurance Company, American Express Financial Advisors, FIS Relius (formerly SunGard Corbel), Oriental Pensions (formerly Caribbean Pensions) and JULY Business Services. Carol has been a speaker at seminars sponsored by the American Institute of Certified Public Accountants, The American Society of Pension Professionals and Actuaries (ASPPA), SunGard Corbel Advanced Pension Seminars, the Office of the Comptroller of the Currency, and the National Institute of Pension Administrators (NIPA). When Carol is not helping her clients, she can be found watching her beloved Ohio State Buckeyes, reading, watching movies and playing with her dogs. Carol is also an avid golfer and can proudly boast that she has had a hole-in-one!