Services —

Our primary objective is to assist our clients in improving their credit profiles and increasing their credit scores. We understand the importance of good credit when it comes to accessing favorable interest rates, obtaining loans, securing rental agreements, or even obtaining certain employment opportunities.

Here is an overview of how Financial Restoration and Cultivation operates:

Consultations

We offer a free initial consultation where we discuss your credit needs, financial goals, and the services we offer. Once you become our client, we will review your credit report by analyzing your credit history, identifying potential issues, and providing guidance for improving your credit.

Credit Analysis

Our team will conduct a comprehensive analysis of your credit report from the three major credit bureaus (Equifax, Experian, and TransUnion). We carefully examine your credit history, payment history, outstanding debts, and any negative items that may be impacting your credit score.

Dispute Process

Inaccurate or outdated information and errors are challenged through the dispute process. We work with the credit bureaus and relevant creditors on your behalf to correct or remove these items. This involves submitting dispute letters, following up with the bureaus, and providing supporting documentation.

Credit Strategies

We offer customized credit profile strategies based on our client's unique circumstances. Your credit profile is reviewed periodically to identify changes to your credit report helping you remain on track to meet your financial goals.

Financial Literacy

We believe in empowering our clients with knowledge about credit and financial literacy. Throughout the credit restoration process, we offer educational resources, guidance, and helpful tips to increase your knowledge about responsible financial habits, credit score maintenance, debt management and budgeting that can help you meet your financial goals.

Ongoing Support

We will continue to monitor your credit report and score identifying inaccurate or outdated information and errors throughout the restoration process to keep you on track.

Helpful Tips:

Review Your Credit Reports & Correct All Errors

Carefully review your credit reports and, look for any inaccuracies, inconsistency or outdated information and dispute them immediately. Reviewing your credit reports carefully can help you ensure your credit score accurately reflects your financial history.

Monitor Your Score and Establish Good Habits

Monitoring and regularly checking your credit reports for inaccuracies, inconsistencies, outdated information or fraudulent activity is essential to improving and maintaining a high credit score. Detecting and addressing issues early on can protect your long-term financial health.

If Negative Items Appear on Credit Reports, Negotiate to Remove Them

If you're dealing with a serious negative item, like a bill that has gone to collections, it's essential to negotiate a payment plan in exchange for removing negative items. Negotiation is a crucial skill when dealing with creditors. Be firm but respectful and willing to comprise to reach an agreement that works for both parties.

Get Your Credit Utilization Below 25% - 30%

If you have a credit card with a $10,000 credit limit, you should never use more than $3,000 at any given time, even if you pay your account off in full each month. If your balances exceed 30% of your credit limit, pay them down as soon as possible.

Don't Close Old Credit Accounts

Closing old accounts can shorten your credit history, hurting your score. Keep them open and use them occasionally to maintain a positive credit history.

Maintain Credit Diversity

Use several types of revolving credit such as credit cards and installment loans such as auto and mortgage loans. By maintaining active revolving lines of credit and installment loans accounts that are paid on time, you show lenders that you have various credit accounts and you are a responsible borrower.

Apply For Credit Sparingly

Only apply for credit when necessary. Every time you apply for new lines of credit, your report gets checked which can harm your credit score. Lenders see to many applications as a sign that you're a high-risk borrower.

There are no quick fixes, credit restoration takes time. Building and maintaining good credit habits are essential to long-term credit success.

Credit restoration is a collaborative effort between our company and our clients. While we work to help you improve your credit, it is critical for you to practice responsible financial habits by making timely payments, limiting credit card utilization and hard inquiries to strengthen your creditworthiness.

We strive to provide exceptional service, personalized solutions, and ongoing support to help you achieve your credit goals. Contact us today to learn more about how we can assist you in repairing and rebuilding your credit.

Contact us if you have any questions

or are you interested in becoming a customer