5700 Tennyson Parkway, Suite 300, Plano TX 75024




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:


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Inaccurate or outdated information and errors are challenged through the dispute process.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We will continue to monitor your credit report and score identifying inaccurate or outdated information and errors throughout the restoration process to keep you on track.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Carefully review your credit reports and, look for any inaccuracies, inconsistency or outdated information and dispute them immediately.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
If Negative Items Appear on Credit Reports, Negotiate to Remove Them
Get Your Credit Utilization Below 25% - 30%
Don't Close Old Credit Accounts
Maintain Credit Diversity
Apply For Credit Sparingly

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