If you have a teenager, you know that teaching them the value of a dollar can be challenging. And you probably know that because not too long ago, you were in their shoes.

According to recent reports, American teenagers don’t have stellar financial literacy (with a higher gap in financial literacy between teenagers from high-income households and low-income households).

The reality is, financial literacy is not taught in school. That means as their parent, you have the greater responsibility of teaching them how to make healthy decisions. This includes knowing how to make wise financial decisions and build good credit.

But wait … are you nervous because you haven’t made the best financial decisions in the past?


A common mistake we make is to avoid what is, in actuality, inevitable. In other words, avoiding speaking to your child about their finances because you haven’t been the best example. In reality, that will only delay what they’ll have to figure at some point anyways! You’re best bet is to start that journey together today.

Managing a monthly allowance, or the earnings from their part-time job, is a great way for your teen to learn about responsibility.

A credit card is a viable option if you have a mature teenager who’s looking to establish good credit. It’s important to note here that good financial literacy is the foundation, and establishing good credit is the next level.

Helping your teen to become financially literate will put them ahead of the game and set them apart from their peers. They might (still!) seem like your child, but trust us, their first car or house is just a few years away.

It’s the official countdown to the New Year.

With only four weeks left in 2017, now is the time to reflect on ways you can improve your habits so that you’ll make the most of 2018. They say we are a collection of our habits, so the best way to change your situation is to change your habits. With that said, here are a few good habits you can start implementing into your lifestyle today so you can achieve the lifestyle you want tomorrow.

First, avoid using your credit card for everyday items. This will better your habit of sticking to a monthly budget. It’s all too easy to fall into the pay-later trap that will leave you stretched—or even worse, leave you with a recurring balance. Banks will never tell you they want you to run a balance at the end of the month, but the reality is they make their gains off your interest rate. Why bankroll them if you don’t have to? Second, get an accountability partner. Sometimes the best way to stay on track is to have someone who can cheer us on and help us up when we make a mistake.

Finally, know what’s important to you. Is it buying your dream home in the next 5-10 years? Or maybe it’s buying your starter home in the next 3-6 months? Either way, having a clear vision in focus will help you to make good decision that will impact your future.

If you improve your habits now, you will reap the benefits in the long run.


“I have bad credit, so I could never get approved for a mortgage.”


“My credit score is shot, so I should just ignore it while I still can.”


“I’m not a bad person, I’ve just made a few mistakes along the way.”


Which of the above statements is true? Well, let’s hope you said the last one. The reality is most people who make poor financial decisions that affect their credit simply don’t have the knowledge on what to do the right way.

So think of having good credit this way: it’s an indication that you know how to apply a set of principles to your finances in such a way that maximizes your ability to raise your FICO scores.

Sound complicated?

That’s where we come in. We help you to achieve the financial goal that you desire by interpreting your credit score. We then apply our step-by-step instructions that will boost your credit score.

Why would I need a credit repair company, you might ask. First, a credit repair company has greater resources that allows for a comprehensive view of your credit report. For example, it takes a considerable amount of time to understand how to read your credit report, what to do with the information and when to begin the process in order to achieve your personal goals. Time is a commodity we can never get back, so it’s important we use it wisely.

Second, working with a credit repair company maintains a certain level of professionalism. There’s nothing worse than entrusting your financial decisions with people working under the guise of quick fixes with zero effort. Our trusted credit repair consultants will work with you to ensure you reach your credit goal within the set time frame.

Have questions? That’s normal, as every client situation is different and requires tailor-made solutions. Let us help you establish the good credit you need.


Repairing your credit during the holiday season seems like an oxymoron, right? What you probably don’t know is that with the right advice and team of professionals on your side, getting your credit rating boosted is easier than you thought. Here are three simple things you can do during the holiday season to achieve a better credit rating.

1. Use cash if possible. Scared you are going to max out your credit cards? One of the best ways to increase your scores during the holiday season is to not use your credit cards at all. Keeping your credit cards under the 30% credit limit ratio (using less than 30% of the credit amount you were approved for) ensures you’ll get a positive credit rating for the reporting period. Don’t use, you can’t lose! Managing your credit by only spending what you have is the easiest first step in actively pursuing long-term financial management.

2. Secure your safety net. If not spending your credit cards is not an option during the holiday season at least protect yourself from yourself. Call each of your credit card companies and ask them what date they report to the credit bureau. At least if you know the date they report to the credit bureaus, you can budget and plan to pay off the full amount or whatever is need to get under the 30% credit limit ratio so your scores don’t drop due to your holiday spending. If you have to be Santa to others, at least be a good elf to yourself.

3. Don’t apply to be declined. Knowledge is power, and knowing your credit scores can prevent you from damaging your credit prematurely. Before you say yes to the credit offer that will get you 25%-35% off your total purchase, make sure you’re going to get approved for it. Before setting  a foot in  the store, you want to pull your credit with one of the few credit vendors. You pulling your own report does not affect your credit and it’s considered a soft inquiry for general purposes.

Make sure the vendor you are using is providing you all three of the major credit bureaus fico scores and reports. Some vendors give you a version of your credit scores which some creditors don’t use to determine a credit evaluation. Which means it does not help you know what your credit scores are. 2 major credit vendors that give you all 3 of your scores and reports are privacyguard.com and creditchecktotal.com.

Once you pull your report and see what your scores are, you can determine if you can take advantage of discounts and new store card offers. Always ask before applying if they know what the credit requirements are for the credit you’re applying for. If they don’t know, always go by the rule of thumb that most store cards want you to have a middle credit score of 640-660 and no previous delinquent account with the same creditor. If you don’t meet those requirements, don’t apply and damage your score.

Have questions? Reach out to us today so we can give you the tools to get your credit rating up to par.