About Joshua

With .27 cents in my pocket, I remained homeless after my transition here to Dallas, TX with a 487 credit score. I had 88 negative accounts on my credit profile, and over $100k in debt! In less than 18 months I increased my personal credit score and went on to assist family, close friends, and new clients with the same credit challenges. I improved my FICO credit score to an 850. I followed my 10 credit commandments that allowed us to live off the benefits of excellent credit.

Our Mission

We will help you to dispute any negative items in your payment history. We will show you how to maximize your debt ratio score, even if paying off credit cards is not an option.

We can also help you to removing credit inquiries from your credit report. Most people are aware of the three credit reporting bureaus, Equifax, Experian and TransUnion. The average difference in scores between the highest and lowest of your credit scores, from the three bureaus, is 60 points. This is the result of the credit bureaus having different items on their report, which may be correct, incorrect or are not reported in full compliance with credit law. According to a recent study, nearly 80% of all credit reports have serious errors on them and this does not even include the even smaller errors for which we look.

If we cannot remove at least 25% of the negative credit items from all three of your credit reports, we will refund 100% of your fee (given all pertinent information is provided).