The Key to Our Mission is to save our clients money, eliminate debt and manage their financial future.
 

 

 

We are dedicated to YOU to become Debt Free.  We have the experience, knowledge and tools to acheive your goal of being debt free.  Our proven track record shows how we have helped people like you with managing debt in a way that exceeds all expectations.  Understanding your finances and financial goals can be be a daunting task, but with our techniques, services and state of the art financial software we can take managing your debt to a reality that works for you.

We do not do debt consolidation: Debt consolidation is just smoke and mirrors. You think you've done something about your debt, but it's still there. It's robbing Peter to pay Paul.  Experts agree, you can't borrow your way out of debt.  True debt help is not quick or easy but with our help we can let you reach your goal of becoming Debt Free.
 

We never ask you to default on a loan. To do so is financial suicide. Some companies promise to settle pennies on the dollar.. at the cost of ruining your good credit for years to come, preventing you from purchasing the things you want, like a new home, or car.
 
How do I boost my credit score?
 
 
Make Your Payment On Time Every Time Even if you can only make the minimum payment , it is better to pay it on time than to send 3 times the payment late! If the payment comes at a bad time of the month – ask your bank to change the due date. Changing the due date to a more convenient day of the month can help you budget around you paycheck better and help you avoid late payments and the big late payment fees. No late payments equals better credit score!

Stay Within Your Credit Limit If you are up against your limit, ask the credit card company to increase in your limit. Often they will increase your credit limit based on your credit history alone, without pulling a credit report. If they want pull your credit report, ask them not to. The problem is that too many inquiries WILL LOWER YOUR CREDIT SCORE! The Credit Card company may have already pulled your report recently.

Keep Your Balance to 40% or less of your Credit Limit on any one card, less is better. If you use too much of your available credit, you may be targeted for higher rates, since you represent a bigger risk. Your credit score can be affected by Credit Line and the Available Credit.

Pay More than the Minimum Pay an additional $5 or $10 at least one every few months to show good faith to your lender. You'll also see the surprising amount of interest it will save if done regularly.

All Credit Accounts Affect the Rate You Pay Late payments on your credit report affect the amount of interest you pay on everything you purchase such as a home, car, boat. Even your insurance rates on your home or auto can be affected! A low credit score can make your insurance premium on your car increase by hundreds of dollars!

Limit the Number of Credit Cards Too many credit cards can lower your credit score. Close accounts you no longer intend to use. Cards from department stores and gas cards often have high interest rates. Most all establishments accept the major credit cards such as Visa, Master Card, Discover and even American Express. Use the one with the lowest purchase rate.

Cash Advances are TROUBLE Cash Avances are subject to the highest rates, some as much as 34.9%. Also, a cash advance can have a hefty transaction fee of 5% or more.