Our Promise To You
We are a company with extensive experience in consumer, business and mortgage credit. But more important we are a company with integrity. We love helping good people with bad credit. We will be intimately involved in your credit repair experience from beginning to end. We pride ourselves in our debt management, budgeting and financial needs analysis services. We offer a 100% money back guarantee and will not make you sign a long binding contract. We want to be part of your success story, we’ll work with you and your file until it is done and you are back on your feet again.
Debt isn’t necessarily “bad.” Not many people would be able to buy a house without a mortgage. But many Americans have developed a debt addiction — and many never fully pay down their credit card balances.
The simple fact that it is way too easy for debt to get out of control is why it is important to avoid debt as much as possible in the first place. Saving for large purchases or, as some stores have begun offering again, buying items on layaway are two alternatives to credit cards. Also, unless you are going to pay off your card in full at the end of the month, charging for smaller items such as fast food, groceries and filling up the car can add up fast. You don’t want to still be essentially paying for groceries you ate five years ago because you didn’t pay off that credit card balance.
The truth is, only making the minimum payment on your credit card each month won’t do much to decrease your balance. Credit card debt is revolving debt — meaning it is not a defined loan in the way a mortgage works — with a planned payback schedule (amortization). In short, you need to pay back appreciably more than your minimum monthly payment, and not charge more, to make a real dent in a credit card balance.
We work with you to create a workable debt payback plan to help you eliminate as much as possible and be well on your way to becoming debt-free!
Budgeting may not necessarily be all about curbing all spending powers. It is only a suggested method of spending, that is both wise and that will keep the individual from falling into an all-consuming debtridden situation.
Perhaps the first and most important act to commit to is the detailed tracking of your expenses. Creating a tracking system from bills collected over a three-month period will help give you an idea of the general commitments to date. By having your expenses clearly listed and detailed you will be able to design a suitable budget that can be easily followed without the need to be too constrictive. The act of creating and adhering to a personal budget plan can also help you be disciplined in other areas too such as job commitments, family commitments, retirement plans, investments and any other area that may require the same discipline that produces successful results.
We provide you with a budgeting worksheet that is easy-to-use. We are with you every step of the way so you can create a realistic budget you are comfortable with implementing.
FINANCIAL NEEDS ANALYSIS
If you’re like many people, you’re in the dark about your finances. You pay your bills each month and do your best to prepare for the future. But the truth is, there’s only so much money to go around and preparing for the future can be overwhelming.
One of the most important building blocks in establishing a firm financial foundation is determining the difference between “wants” and “needs.” Sounds simple, doesn’t it? A “want” is something you don’t require for basic survival and a “need” is something you must have to live. Yet, sometimes it can be hard to tell where a “want” begins and a “need” ends – especially where immediate family is concerned. Financial health is all about the choices you make over the long term. Everyday spending and savings habits determine your financial future.
One of the best things that you can do for yourself and your family is to establish a realistic game plan that you follow. Our financial needs analysis gives a detailed overview of your current financial situation and suggests a personalized strategy for your financial security.
Building a business takes capital; the more money you have access to the faster you grow. Most business owners use their own personal credit to fund their business, or they drain their personal savings and borrow money from family and friends. But why do this if you don’t need to?
Our 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.
With so many different loan options today it can easily become overwhelming. Which loan program or loan source is right for you?
Our team and financial 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. We care about you and will get you the right terms for your business needs.
We help you get business credit for your company EIN that’s not linked to you personally, or your personal credit. Secure HIGH-limit vendor, store, fleet, and cash credit
We believe that credit repair shouldn’t be a one size fits all process. Every clients’ situation is different, so we tailor our services to meet your needs.