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 First, you will be required to provide us with your credit reports from all three credit bureaus, Equifax, Transunion, and Experian. We prefer that you use to pull all three of your credit reports because of the ease of use, and their $1.00 trial. They also offer several additional features if you stay on with their membership. If you don’t like Privacy guard, you can pull your credit reports from any provider that you choose.


Secondly, we provide you with a deep analysis of your credit report and spotting all inaccurate information. We then look at the various factors that are pulling your credit score down and provide you with actionable steps to get your score back up.


 We hold the creditors and bureaus responsible for reporting accurately on your report. We not only focus on disputing inaccurate information, but also on the overall health of your credit. Repair is just one piece of the pie! A good score consists of positive Installment & Revolving accounts, long history, low credit utilization, good payment history and more. We will educate you so that you can start taking steps to get the score you deserve credit restoration process works to remove or reverse questionable, negative information from your credit report.

These credit reporting agencies receive all your financial details from banks, insurance companies, credit card companies, service providers, employer among other sources. By accessing your information, these bureaus can create a unique credit report which they then share with financial institutions, employers, service providers and anyone else allowed by the law to access such information.



 We know how important it is to you to be able to provide the best lifestyle for you and your family. We will help you restore and raise your credit score so you will be able to take control over your financial future and pursue your financial dreams.

How can good credit improve my life?

Buy or Refinance Your Home

Purchase a New Vehicle

Lower Your Interest Rates

Get Approved for Credit Cards


What credit score do you desire? A 600, where you only hope to get approved for the things you need? A 700, where you get approved but not at the best rates? Or an 800, where whatever you desire is at your fingertips? There’s only one word standing between you and your financial dreams. 


 It’s safe to say that credit can be life changing. More importantly good credit will change your life. 


Understanding your Credit Factors

 LA Financial Consultants want to help you understand and Improve your credit. 35% Payment History

The first thing any lender wants to know is whether you've paid past credit accounts on time. This helps a lender figure out the amount of risk it will take on when extending credit. This is one of the most important factors in a FICO Score.


30% Amount Owed

 Having credit accounts and owing money on them does not necessarily mean you are a high-risk borrower with a low FICO Score. However, if you are using a lot of your available credit, this may indicate that you are overextended-and banks can interpret this to mean that you are at a higher risk of defaulting.

15% Length of History

 In general, a longer credit history will increase your FICO Scores. However, even people who haven't been using credit long may have high FICO Scores, depending on how the rest of their credit report looks.


10% Credit Mix

 FICO Scores will consider your mix of credit cards, retail accounts, installment loans, finance company accounts and mortgage loans. Don't worry, it's not necessary to have one of each.


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