Step 1 - Educate you about Credit Score

We will send a link to a 1 hour online course. The course explains to you the complex world of credit, helps you to distinguish good debt from bad debt, goes through the anatomy of a credit report, explains to  you  what causes bad credit and suggest corrective actions. Last by not least it explains to you identity theft and suggests ways to prevent it.

Step 2 Send us Your Credit Bureau  Report

If you've had your report pulled recently by a mortgage professional, call them up and give them permission to fax a copy of your credit report. If you have not had your report pulled recently, then you can pull it yourself on-line without causing a hard inquiry. We require you to get a copy of your credit report from both bureaus, Equifax and TransUnion.

Step 3 - Assess Your Credit Situation

After we receive your report, we'll give you a call to schedule an in-person or telephone consultation about your current credit situation.

Step 4 - Implement a Plan to repair your Credit and recommend a solution

A written report summarizing the consultation and the action plan that we suggest that you follow. One free half an hour consultation to review progress made within 4-6 months