Research found that 58% of consumers have subprime credit scores. That means they are unable to take advantage of the best or even average interest rates if they need or want to borrow money. The best rates and terms go only to people who have excellent credit. Add that to the fact that homeownership has actually dropped to its lowest level in about 20 years, and you have a lot of people sitting on the side reading or hearing about how great the economy is. It’s not great for everyone, though, and economic uncertainty is not something experienced only by low-income households.

Many of us live in situations where an unexpected setback like the loss of a job or health problems could quickly put us in a dubious position because we have inadequate (or no) emergency savings. It’s not only a problem for people whose incomes are low, but also for those who consider themselves solidly middle class: One in four households earning between $56,560 and $98,867 have less than four months of expenses saved. It’s possible some of this is a result of the recession, which left many without jobs, and, as a result, more debt and damaged credit scores.

You have the legal right under the Fair Credit Reporting Act (FCRA) to challenge any item on your credit report that may be misleading, incomplete or unverifiable/ questionable. If a challenged item cannot be verified, the credit bureaus must remove it. This sounds easy but most find it near impossible to do on their own. Having a professional work for you who knows the law and the most effective methods yields you the best results.


✓ Bankruptcies       ✓ Late Payments
✓ Charge-Off’s        ✓ Collections
✓ Judgements         ✓ Foreclosures
✓ Repossesions      ✓ Tax Liens
✓ Inaccuracies       ✓ Inquiries



We are credit professionals,our goal is to help people improve their financial well-being. We conduct financial consultations, educate the client and recommend the appropriate solution. Our core services offer an alternative to bankruptcy, credit counseling, and debt consolidation. We are dedicated to helping individuals and families rid their lives of burdensome debt. We provide the client with both expertise and proven results. This means helping consumers in their time of hardship to get out of debt with the least possible cost. Let us become your number one professional to help you re-establish financial stability as quickly as possible.


Filling out the form will give us exactly what we need to know about you for our consultation. We like to know a little about the person and their history.

Payment Options

Low payments of $69.99 a month! “ Initial start up fee does not apply


Full credit report audit where we discuss what credit repair is, your back ground and finance needs.

Portal Sign-In

Up My Score offers clients their own portal which clients can check in daily to see what is actively being done to their finances.

Our services

Our ultimate goal is to be the number one advocate for consumers when it comes to re-establishing financial stability in the least amount of time and resources possible.