We offer credit consultation, debt & budget consultation, business start up services, Notary services, and resume enhancing.

Credit consultation can provide several benefits to help you achieve financial wellness:

1. Improving Credit Scores: Credit consultants can identify and dispute inaccuracies on your credit report, helping to improve your credit score.

2. Debt Management: They can assist in creating a personalized debt management plan, helping you pay off debts more efficiently.

3. Financial Education: Consultants provide valuable advice on budgeting, saving, and managing credit responsibly.

4. Access to Better Financial Products: With an improved credit score, you may qualify for better interest rates and loan terms, saving you money in the long run.

5. Long-Term Financial Planning: Credit consultants can help you set and achieve long-term financial goals, such as buying a home or starting a business.

Improving your credit score involves several steps:

1. Check Your Credit Report: Obtain a copy of your credit report from the three major credit bureaus (Equifax, Experian, and TransUnion) to identify any errors or inaccuracies.

2. Dispute Errors: If you find any inaccuracies, dispute them with the credit bureau to have them corrected or removed.

3. Pay Bills on Time: Consistently paying your bills on time is crucial, as payment history accounts for 35% of your FICO score.

4. Reduce Debt: Work on paying down your existing debts, especially high-interest credit card balances. Aim to keep your credit utilization below 30%.

5. Avoid New Credit Applications: Limit the number of new credit applications, as each hard inquiry can slightly lower your score.

6. Maintain Old Accounts: Keep your older credit accounts open, as the length of your credit history accounts for 15% of your FICO score.

7. Diversify Credit Types: Having a mix of different types of credit (e.g., credit cards, mortgages, auto loans) can positively impact your score.

The time it takes to see results from credit consultation can vary depending on your specific situation. Generally, you might start noticing improvements in your credit score within a few months. However, significant changes can take six months to a year or more, especially if you have multiple issues to address.

Factors that influence the timeline include:

The severity of credit issues: More severe issues may take longer to resolve.

The accuracy of your credit report: Disputing and correcting errors can lead to quicker improvements.

Your financial habits: Consistently paying bills on time and reducing debt can accelerate progress.

Patience and persistence are key to achieving long-term credit improvement.