Credit Repair

What influences a FICO Score? Why do lenders have different scores than what Credit Karma shows me? Why has my score stayed down?! Let me help you. Starting today

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The wicked borrows and does not repay, But the righteous shows mercy and gives. - Psalms 37:21

Credit can either be one of the greatest facilitators or one of the harshest masters one can ever have. The fact that credit bureaus can exercise so much power over a human being should be enough to warrant the secrets of credit scores. However, credit is such a complex topic, and the lack of awareness in many people is destroying their lives. Here's why you should choose MTL Solutions to help you:

We Sit Together To Talk with the Creditors... and Negotiate

Do creditors sound scary? Really, they are just human beings with a job just like you and I. Many of them want to get rid of your debt as much as you do, and that means that they will be willing to have reasonable conversations with you. Don't navigate them on your own. Let Amaniel sit with you and help you.

I Know That What You Really Need is An Incentive

Credit card companies are successful in part because they offer rewards. If they could reward you for harming yourself, why can't I reward you for improving yourself? Even though no other financial coach has thought of this, I have. Let me reward you for improving your financial situation.

HOW I COMPARE TO OTHER OPTIONS

CREDIT REPAIR SERVICES DELIVER SPORADIC RESULTS

Unlike other companies, I don't guarantee specific credit boosts BECAUSE IT'S UNETHICAL. Instead, I show you ways to improve your credit, help you speak to creditors, and dispute errors for you.

CREDITORS WANT YOU TO KEEP HIGH BALANCES

Creditors would rather for you to have a high balance than to show you how to use credit responsibly. Unlike them, I want to save you from the traps of high balances and will show you how to avoid them.

FINANCE PROFESSIONALS WILL LEAVE YOU ALONE

When you want a finance professional to help you resolve debts, they will oftentimes leave you to do it alone. However, I can serve as your accountability partner and help you win.

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Schedule A Free 15-Minute Meeting

Need More Info? Look Through Our FAQ

What is credit repair?

Credit repair is exactly what it sounds like: repairing your credit. In this economy, personal credit is extremely important for a plethora of purposes. Therefore, the biggest purposes for credit repair are to: remove old/wrong information, rectify fraud-caused changes, and improve your credit score.

How does credit repair work?

Credit repair starts off with an honest conversation about your credit history. Once that conversation happens, letters would be sent to coordinate with creditors and credit bureaus to resolve issues that negatively impact your credit. Eventually, the process repeats itself enough times to the point where you probably end up with a higher credit score.

How long does credit repair take?

Credit repair lasts for as long as needed. It all depends on a variety of factors, and some of those factors include the amount of creditors that need to be reached, the solutions that they propose, and the amount of time it takes to complete those solutions.

Will using a credit repair service guarantee a specific credit score increase?

No, credit repair services cannot guarantee a specific credit score increase. The biggest reason for that is the fact that credit is measured differently by each bureau, and credit bureaus heavily guard the algorithm that they use to assign credit scores. Thus, it would be impossible and foolish of any credit repair service to promise a specific credit score increase. Here at MTL Solutions, I don’t focus on getting you a specific credit score increase, but instead on getting the process started and following the trends as the process carries itself out.

Can I repair my credit on my own without using a credit repair service?

Even though it’s possible for you to repair your credit on your own, it would most likely take much longer if you do it yourself, especially if you have never done anything regarding credit repair. Unlike many credit repair services, MTL Solutions also offers financial coaching that also allows you to plan when to pay which creditors in a way that allows you to set up a debt snowball.

Will using a credit repair service affect my ability to get new credit?

No. On the contrary, successful credit repair can help you attain new credit whether you’re trying to manage debt better or trying to qualify for a house. What’s even better is that credit bureaus do not keep track of whether you used a credit repair service or not.

What should I do if I suspect errors on my credit report?

Bring it up to me! Amaniel can help you get started in the credit disputing process and help you reach your goals sooner rather than later.

As An Added Bonus...

If you complete your tax return with Amaniel, you will get a 50% coupon for your first month at MTL Solution's Wealth Earner Program. Get access to one-on-one financial coaching sessions, a personalized budget, purchasing pattern analyses, credit repair tips, access to the MTL Financial Literacy course, and more!