Getting A Better Credit Score doesn’t have to be a headache, a big task or confusing! Leave The Heavy-Lifting of Repairing and Restoration your credit to the experts.
CreditRepairAndRestoration.com can identify what’s hurting your score,explain how we can work together to fix it, educate you on how to become a great steward of your money, help you to adjust bad financial habits, and learn how to build generational wealth!
About us
WE HELP OUR CLIENTS INCREASE THEIR CREDIT SCORES AND GAIN GREATER SUCCESS IN LIFE!
A bad credit score could keep you from getting approved for a lower interest rate to purchase or refinance your home. It can keep you securing a good rate when buying a new car. A low FICO and Credit Score can lead to a higher interest when applying for credit cards and keep you from borrowing money from prime lenders. Now that we got your attention, it is very important to know that 45% of your score is determined by items being reported to the 3 Credit Bureaus by your creditors. Your correctly reported repayment history, hard credit inquiries, and correct personal information on your credit file are critically important. Hence, our job at Credit Repair And Restoration.com is the make sure your creditors are reporting accurate information.
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An Increased Credit Score and FICO Score are the paths to living a great life and building generational wealth. Get the Credit Repair Secrets eBook to learn more about home building your credit score!
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UNDERSTANDING YOUR CREDIT SCORE
- Excellent (720–850):
You may qualify for the best financial products available, and you’ll likely have several options when it comes to choosing repayment periods or other terms. But excellent credit scores aren’t the only factor in a lending decision — a lender could still deny your application for another reason. - Good (690–719):
You’re less likely to have an application denied based solely on your credit scores, compared to having scores in the fair or poor range, and you’re more likely to be offered a low interest rate and favorable terms.
- Fair (630–689):
You may have several options when it comes to getting approved for a financial product, but you might not qualify for the best terms.
- Poor (300–629):
You may find it difficult to get approved for many loans or unsecured credit cards. And if you’re approved, you might not qualify for the best terms or lowest interest rate.
How the Credit Repair Process Work:
OUR PLANS
We keep it simple. No aggressive packages and add-ons. Everything included for one flat-rate price.
Basic Plan
- Recommended for a person (one client) who has a lot of negative items and their credit score is considered low (Poor, Fair, or Good) on their credit report.
- No additional costs.
- Personalized game plan.
- Cancel anytime.
Double Plan
(Married Couple or Two People Credit Repair Client)
- Recommended for those who have a moderate amount of negative items on your credit repair. This is a couple's plan.
- Personalized service for two.
- Finance tools for couples.
- 24/7 Access To Your Dashboard.
- Cancel anytime.
Single or Per Item Removal Plan
- Recommended for those who have a handful of negative items or wish to remove only one line item.
- No additional costs.
- Personalized game plan.
- Cancel anytime.
Monitoring
BE PREPARED. KNOW YOUR FICO®️ CREDIT SCORE.
- 3-Bureau Reports & FICO®️ Scores
- 3-Bureau Daily Monitoring & Alerts
- Dark Web & Internet Monitoring
- $1 Million Identity Theft Insurance
Our Services
Credit Building & Budgeting Training
Credit Building starts with setting goals and not leave your credit and wealth-building to chance! There are two types of people where money and credit are concerned: Those that cut back their wants to fit their income and those who make their income fit their wants. In our Credit Building & Budgeting Training, we will teach you “how to stop living paycheck to paycheck, saving more money, and build credit. We will teach you how to be successful, but YOU must do the work and make the mental mindset change! The quickest way to improve your credit, build wealth and get everything you wish is discipline, habit change, living within your means, making more money, and believing within your mind that you can achieve what you want.
Credit Monitoring
This service tracks and monitors your credit score, accounts, outstanding debt, and much more. Monitoring is the key to know when to seek out help to correct erroneous data that has magically appeared on your credit report. An according to a new Consumer Reports investigation, more than one-third, or 34% of Americans, found errors on their credit report; personal information, account errors, other people’s information, opened accounts as a result of fraud or identity theft.
Credit Repair -Do-it-yourself Membership
Credit Repair Success Membership Program is a greater program for you if you wish to learn how to repair work yourself. Selecting this option will allow you to take matters into your hands and some excellent training and benefits. Learning how to repair your credit now will be the knowledge you will have for a lifetime. Moreover, you can help others, your family and friends, do the same for free or for a fee! NO account sharing, but knowledge sharing is a blessing to others.
Credit Restoration
This service and tools will help you dispute any erroneous, obsolete, and inaccurate negative items on your credit report. One of the most important decisions you can make in your financial life is the ensure your credit report is accurate. You save up to $100,000 or more in the paid interest of the course of your life. Receiving a lower interest will save you money for a loan, buy a home, purchase a car, pay educational expenses, take vacations, and boost your retirement funds.
Car Buying Secrets Training
Discover the secrets the dealerships don't want you to know! Learn how to come prepared to buy a car before you get to the dealership. Understand your debt-to-income rate and the importance of proof of income. Learn the important factors of negotiating the best deal in buying a car or any other deal.
Financial Management
Changing the way, what, how, and why you think positive or negative thoughts about money is critical to your financial future. Setting goals with a baseline analysis tool and roadmap, establishing a family budget, household budget, starting to save, controlling your spending, and building liquid assets over time is key to all financial management and GREATER SUCCESS in your financial life. Decreasing debt and increasing your net worth is no different. We understand that you need high-quality, effective, and informative information to achieve your financial goals. Our mission is to provide your training to help you manage your day-to-day financial life and provide you education, tools and expose you to opportunities to make reoccurring passive income. We know how to train you to manage a little or a lot of money with proven steps to provide you the most comprehensive way to get out of debt, save money, and build wealth to live a full and prosperous life.
Home Buying Training
In this training, you will learn important factors that you need for getting ready to buy your dream home, the various types of home (FHA, USDA and VA Loans), the different ways to seek out financing, and the programs available to you to assist you in purchasing your home with bad credit, so-so credit, or great credit!
Identity Monitoring
Credit and Identity monitoring should go hand-to-hand because they resolve threats to your identity, including pre-existing identity theft, and it monitors suspicious activity on your credit report and the Dark Web & Internet Monitoring. Do you remember that saying from Benjamin Franklin, “An ounce of prevention is worth a pound of cure,” it is very important to know quickly when your identity has been stolen than to wait until you are denied credit? It is critical to have your credit and identity monitored daily, weekly, and monthly because thieves can wreck your credit, good name, and life in a short time.
Life Coaching
Our Life Coaching, combined with Financial Management Coaching, is called MONEY AWARENESS, is a time-tested seminar designed to help you grow from where you are now into building Happiness, Wealth, and Creating a fulfilled life! Our Life Coaching programs provide our clients a coordinated and guided journey to understanding and managing money and gain greater financial responsibility to be better stewards of money using habit change, presence-based, goals setting, and self-improvement coaching techniques to foster massive change. We establish clear coaching goals and milestones to help our clients achieve a life-long, continued successful life. The key elements of life coaching are financial management, changing habits to stay out of debt, build a sustainable household budget, and help our clients understand “WHY” they have unhealthy relationships with money.
Personal and Other Loans Training
Learn the nuance of the many types of loans and how to get the best rates. There are two different types of personal loans – secured and unsecured. Learn the secret ways to reduce your credit card debt and increase your credit using personal loans and tactics to apply to receive new credit to increase your credit score.Personal loans are not the best way to get money for something less important, like a new TV.
Here are a few situations where getting a personal loan would be optimal
- You may need to pay an unexpected bill.
- The family car may need immediate repairs.
- An electric or water bill, if left unpaid, that could result in a disconnection of service.
We will teach you how to leverage and optimize personal loan to achieve your overall financial health and wealth.
Business Opportunities – Income Growth
If you wish to build wealth, your income must be higher than your living expenses. To do this, you got to make more money! We want to help you in that area. We have numerous business ventures that can help you make more money. Some of our business ventures will make money quickly, and in others, it takes time, but the rewards are huge, and you build generational wealth; image if you can start a business today and 20+ years later, leave it to your family. Your family can inherit the reoccurring income you have enjoyed by continuing to do the minimum of what you start, and they can build more! Does that sound like an ideal you wish to explore? If so, go to our Business Opportunity page to learn more and select a business to start today.
Wealth Building
Wealth Building is more than job-based income and instead includes savings, investments, great credit, and any income-generating assets. Maintaining good credit to buy a home is a way to building long-term wealth. If needed, you can use your mortgage equity to offset your income during lean times through a Home Equity Line Of Credit (HELOC), Line of Credit, and Refinancing to lower your rate! Additionally, a lower interest rate on a mortgage will help you save 1000’s if not 100,000+ dollars over the life of your loan.
Our Team
Deon Huff
CEO/President
Laura King-Smith
Vice President
Tom James
VP of Marketing
Emily Stone
VP of Sales
