Credit Services Offered

Our primary goal is to educate consumers in San Diego County and the rest of the country, about the laws that regulate credit, credit scoring, collections, debt settlement and credit repair through educational seminars that will avoid the vast amount of misinformation being presented by so-called “experts.”

We differ greatly from the typical debt settlement and/or credit repair companies in many ways , but one of the most important aspects is we do not charge a fee upfront, before any services are provided, in compliance with the Credit Repair Organization Act (CROA.)  Additionally, we will repair your credit, after we have completed the full debt settlement process, for free, if applicable, putting you in a significantly better financial position and with a higher credit score.  In some cases, we will provide a legal referral to an experienced attorney whom works with us and will provide representation at very reasonable rates.

Every month we provide free seminars on credit throughout San Diego County and once a quarter said seminars are in Spanish.  If you want learn more or have any questions about the specific process of credit repair or debt settlement, email us or check our events page for dates and locations.  For those of you out of the area, we will be conducting a seminar in Charlotte, North Carolina in early August of 2016.