GET THE RESULTS YOU NEED TO IMPROVE YOUR CREDIT

Improve Your Credit With
The Experts

We help guide you towards a better credit score by identifying different items on your report.
GET THE RESULTS YOU NEED TO IMPROVE YOUR CREDIT

Improve Your Credit With
The Experts

We help guide you towards a better credit score by identifying different items on your report.
STEP ONE

Enroll

We'll give you a professional consultation and credit analysis to see if you are a good fit for our credit consulting program.
STEP TWO

Learn New Strategies!

We have a wide assortment of credit-building tools that put you in a position to maximize your credit score!
STEP THREE

See Results

Log in to your personal dashboard where you can see real-time progress and results every step of the way.
HOW WE CAN HELP YOU

We can help you identify errors
on the following:

Collections Accounts
A collection can result from a debt that has not been paid on time. If you become significantly delinquent on a debt, such as a medical bill or credit card bill, the original company owed will often write off this debt as a loss and sell it to a collection agency. The collection agency will then attempt to recover the money owed.
Repossessions
Can stay on your credit report for up to seven years, making it harder for you to qualify for other loans.
have a severely negative impact on your credit and can show lenders that you may not be able to make payments on the property you purchase.

Whether you voluntarily ask your lender to come and pick up their property or you are forcibly repossessed, the message is the same: you are unable to pay your loan and the lender is taking back their property.
Charge offs
When a creditor believes that a debt is unlikely to be collected, they can write off this debt as a loss. This type of debt is known as a charge-off. Like a collections account, this usually occurs after an account has significant delinquency.
Late payments
A late payment is an amount of money a borrower sends to a lender or service provider that arrives after the date that the payment was due or after a grace period for the payment has passed.

How much a payment is late and other factors can have a negative impact on a person’s credit score and, indeed, their ability to obtain credit at a favorable rate.
Hard Inquiries
A hard inquiry can affect your credit score and remain on your credit report for two years.
But what does that means? Because hard inquiries can potentially drop your credit scores, they can result in your paying higher interest rates on loans.
Student Loans And More!
Bankruptcy, Inquiry removals, Pay-Day Loans, Child-Support, Public Records, and much more!
HOW WE CAN HELP YOU

We can help you identify errors
on the following:

Collections Accounts
A collection can result from a debt that has not been paid on time. If you become significantly delinquent on a debt, such as a medical bill or credit card bill, the original company owed will often write off this debt as a loss and sell it to a collection agency. The collection agency will then attempt to recover the money owed.
Repossessions
Can stay on your credit report for up to seven years, making it harder for you to qualify for other loans.
have a severely negative impact on your credit and can show lenders that you may not be able to make payments on the property you purchase.

Whether you voluntarily ask your lender to come and pick up their property or you are forcibly repossessed, the message is the same: you are unable to pay your loan and the lender is taking back their property.
Charge offs
When a creditor believes that a debt is unlikely to be collected, they can write off this debt as a loss. This type of debt is known as a charge-off. Like a collections account, this usually occurs after an account has significant delinquency.
Late payments
A late payment is an amount of money a borrower sends to a lender or service provider that arrives after the date that the payment was due or after a grace period for the payment has passed.

How much a payment is late and other factors can have a negative impact on a person’s credit score and, indeed, their ability to obtain credit at a favorable rate.
Hard Inquiries
A hard inquiry can affect your credit score and remain on your credit report for two years.
But what does that means? Because hard inquiries can potentially drop your credit scores, they can result in your paying higher interest rates on loans.
Student Loans And More!
Bankruptcy, Inquiry removals, Pay-Day Loans, Child-Support, Public Records, and much more!
Our Money Back Guarantee

We Have The Best 100%
Money Back Guarantee

You are entitled to a 100% refund on all monthly payments if: – We do not remove more than 25% of all the negatives worked on. – We have had six months from the time you retain our services. – You have at least four negatives on the credit report at the time of sign-up. – You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services. – You agree to send updated reports from the three credit bureaus to us within 5 days of receipt. (Clients should receive updated credit reports every 15-45 days. It is the client’s responsibility to make us aware if updated reports have not been received).
Our Money Back Guarantee

We Have The Best 100%
Money Back Guarantee

You are entitled to a 100% refund on all monthly payments if: – We do not remove more than 25% of all the negatives worked on. – We have had six months from the time you retain our services. – You have at least four negatives on the credit report at the time of sign-up. – You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services. – You agree to send updated reports from the three credit bureaus to us within 5 days of receipt. (Clients should receive updated credit reports every 15-45 days. It is the client’s responsibility to make us aware if updated reports have not been received).
SAVE WITH OUR PRICING PACKAGES

Credit Repair
Made Affordable

Other Credit Repair companies charge an average of $300 per deleted item, which can become expensive quickly, considering the average credit report has 11 items that could be removed. We made it affordable by providing UNLIMITED disputes and deletions for a fraction of the cost.
$149/m
$225 Enrollment Fee
Package #1
  • Monthly Credit Report Audit
  • Client Portal
  • Input negative items into the system
  • The first round of challenges
  • Next challenges
  • Credit monitoring
  • Unlimited disputes of all negative items on your credit report:
  • Collections
  • Late payments
  • Students loans
  • Bankruptcy
  • Hard inquiries
  • Charger offs
  • Repossessions
  • Old personal information
  • And more....
$125
Per Removal Per Credit Bureau
Package #2
  • This is a "Pay Per Delete" model.
  • Each Item to delete is $125, PER Bureau.
WHAT PEOPLE ARE SAYING

Happy Clients
Every Day

April - 2020

Ivonne Alaniz

"Rebekah is amazing! Extremely knowledgeable and passionate about what she does. My credit score dropped 75+ points due to one payment reported and she helped me take care of it! My score is back up in the 700+."
December - 2019

Ashley Granado

"Everything is done very professionally and great customer service!! Highly recommended to anyone who needs to get there credit score fixed."
February - 2020

Mauro Rivera

"She is amazing at what she does! I had a ton of duplicate accounts that should not have been there and had no idea were there. She explained everything in such detail and made it easy to understand and she answered every question and concern I had. She really does care about her clients. She got rid of many accounts that were there from years past. In 30 days my scores went up 60 points. She is awesome!!! Very pleased!"
IMPROVE YOUR CREDIT SCORE

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Frequently Asked
Questions

How Good Credit Can Save You Money

When you apply for a credit card or loan, lenders typically use what’s called risk-based pricing to determine whether to approve your application and what interest rate to charge.

If your credit score is high, data shows that you’re less likely to default on the new account than someone with a low credit score. As a result, you can usually expect to score a lower interest rate, which will save you money over the life of the loan.

For example, let’s say you apply for a $30,000 auto loan and want to pay it off over five years. If you have excellent credit, you may qualify for a 3.5% annual percentage rate (APR), which will give you a monthly payment of $546. In this case, you’d pay $2,745 in interest over five years.

However, if you have fair credit, you may qualify for a pricier 8% APR. This would increase your monthly payment to $608, and you’d end up paying $6,498 in interest over the life of the loan. In this scenario, having great credit would save you $3,753.

Of course, lenders consider more than just your credit score. They may also look at your debt-to-income ratio—how much of your gross monthly income goes toward debt payments—as well as specific items on your credit reports, such as recent inquiries, delinquent payments and more.

What Is a Credit Inquiry?

Credit inquiries happen when you or a business accesses your credit report. Let’s say you apply for a car loan, and the lender requests your credit report and score from Experian. The fact that your credit information was used by a particular company is noted on your Experian report with the date, name of the company that requested it and the type of inquiry that was made. Or maybe you get a pre-approved credit card offer in the mail, that is also a credit inquiry.

Before we get into the specifics of the types of inquiries and how they work, it’s important to put them into perspective. Unless you have been shopping heavily for credit—more on that in a moment—inquiries shouldn’t have a significant impact on your credit scores.

New credit, which includes inquiries as well as new credit accounts, makes up just 10% of your FICO score. As a result, a single inquiry is likely to drop your score by less than five points, but only if it’s a hard inquiry and with the limits described below.

While inquiries remain on your credit reports for two years, with the majority of score models used these days only those that occur within the past year count. Older ones are ignored.

Will Credit Monitoring Hurt Your Credit Score?

The short answer is no. Credit monitoring does not hurt your credit score.
What is the best number of credit cards to have to my name?

Do I have to have a credit card to improve my credit score?
No. You do not need a credit card to improve your credit score. There are many alternative options, such as lines of credit, loans, etc. If your credit score is fairly low, you can even start with a secured line of credit, a cash secured savings loan or a secured credit card. Making your payments every month, on time, to a secure loan or line of credit is going to be just as effective as having a credit card and keeping it in good standing.
There is no one answer to this question. I would suggest that instead of looking at the number of credit cards you have in your name, look at it as a total amount of credit to your name vs. how much credit you’ve used or are likely to use, realistically speaking. The percentage of the credit you have that you’ve used is the number that matters here, and getting another credit card can lower your usage percentage, but there are other things you should consider. Such as the fact that with more credit cards come more minimum payments and more temptation to spend. Whether or not more credit cards will benefit you is going to have to be a judgment call you make based on your own situation.

What is the best method to pay back your debts?

There are several options, but a popular choice is the snowball method. This means that you pay just your minimum payment on all but your smallest debt, onto which you put the biggest payment you can possibly make each month. Once the smallest debt is paid off, take the larger payment you were making on it and apply it to your next smallest debt, on top of the minimum payment to that you were making each month. Once that debt is paid off, go to your next smallest debt, with all the monthly funds you were using on the previous two, plus the minimum. Keep doing this, letting the large payments snowball until you’re paying off your largest debt with huge payments every month.

Do FICO ® Scores change that much over time?

In general, FICO® scores do not change that much over time. But it’s important to note that your FICO score is calculated each time it’s requested; either by you or a lender. And each time it’s calculated it’s taking into consideration the information that is on your credit report at that time. So, as the information on your credit report changes, your FICO score can also change.

Will we be getting frequent updates about the process?

Financial Life Solutions Solutions gives our client’s 24/7 access to their client portal for frequent messages and count down, when your letters will be arriving. If you are unable to log into your portal, we also send out emails as well, to keep you posted on your progress. Not to mention, our customer support department, will call frequently to ensure that we answer all of your questions. This ensures that our responsiveness does not drop, once we have started the process.

What if I do not get any results?

We offer MONEY BACK GUARANTEED if you see no results throughout our program. This is how confident we feel about our program and credit consultants.

What makes Financial Life Solutions Solutions different from all other credit repair companies?

Glad you asked! Financial Life Solutions Solutions are RESULTS DRIVEN! This is why we offer money-back guarantees and free re-insertion disputes. We are that confident! We pride ourselves or giving results, building value, and providing great customer service. Also, we give all of our clients a plan of action and strategy to maintain and build their credit.

Financial Life SolutionsOur Mission
To improve our client's financial well-being through timely and ethical guidance.
OUR LOCATIONSWhere to find us?
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A HIGH CREDIT SCOREOur Mission
To improve our client's financial well-being through timely and ethical guidance.
OUR LOCATIONSWhere to find us?
GET IN TOUCHFinancial Life Solutions Social links
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All Rights Reserved. Financial Life Solutions.

Website proudly built and hosted by JDiazBusiness.