The Heroes Act was created for this purpose. If you have any late pays or accounts that were charged-off or went to collections during the pandemic, we can get these removed completely from your credit reports. The official dates of the pandemic are from November 2019 to May 2023. So if you have any negative items reported during this period, contact me today to get started. It's only $49.99/month. Signup now on my website by clicking "SignUp Now!"

Absolutely! Any person can do their own credit repair. What you need to remember is that credit repair can be extremely time consuming if you don't know what to expect or how to successfully remove derogatory items.

Would you go see a doctor without a degree in medicine? Would you use a bank that is not FDIC insured?  I wouldn't think so. If you did, then it's possible you would not get the results you wanted. Gigi's Credit Repair has the knowledge and experience to maximize results while minimizing the amount of time to do so. Our process works. I have see so many people change their lives as a result of the work and education we provide.

Are you ready to take the plunge? Contact us for rates and a FREE CREDIT CONSULTATION AND AUDIT. You will not be sorry you took the first step. We will change your life! :)

There are so many credit repair companies offering services to help consumers repair their credit. You have to be careful because some companies offer services that are unethical and sometimes even illegal. CPNs (credit privacy numbers) and paying for tradelines are a couple ways that credit repair companies are aggressively increasing scores. CPNs are ILLEGAL. Buying tradelines is not necessarily illegal, but is definitely deceptive and could be considered fraud.

We do not use these tactics because we want to make sure your credit has long-term improvement and not just a quick fix. We want to build relationships with our customers so we all can be successful.

Contact me today for a free and ethical credit consultation. Have more questions? Email me at [email protected]. 

Your credit score can be low for many reasons. Some of those reasons include:

1. Incorrect or incomplete personal information.
2. Outdated items past their statute of limitations.
3. Account details and status are incorrect.
4. Accounts you don't recognize.
5. Late payments you didn't cause.
6. Duplicate accounts.
7. Inquiries you didn't approve or that are over 2 years old.

​If you are experiencing any of the following, you could benefit from credit repair services. Contact me today for a free consultation. No strings attached.

How do the credit bureaus calculate credit scores?

While we can't know for sure how the credit bureaus calculate your score, we know credit scoring is affected by your payment history, revolving credit utilization (comparison of your balance to credit limit), length of credit history, amount of new credit accounts/balances, and having a credit mix (meaning a wide range of the types of accounts reporting).

• 35% payment history
• 30% amounts owed
• 15% length of credit history
• 10% new credit
• 10% credit mix

The payment history includes if you've had any late payments over the previous 10 years on accounts. Amounts owed includes revolving accounts where a high balance can negatively impact your credit score. This also includes amounts owed on installment loans. The length of your credit history affects your credit score. If your open accounts are new, this could impact your score negatively. The credit mix is the type of accounts you have open. You want to have a mixture of revolving and installment loans as well as an auto loan and a personal loan and mortgage loans.

If you want to learn how you can increase your score, contact me today for a free consultation! Click the "Signup Now" button at the top of this page.

What do most people with good credit have on their credit report?

1. 3-6 open revolving (credit card) accounts with balances less than 30% of the credit limit
2. 1 or more installment loans (mortgage, auto, personal loans)
3. Several accounts with 20+ years of history
4. No late payments for the previous 7 years
5. Credit inquiries - very few
6. No negative accounts

I promise no one can afford to have bad credit. If you have some things that you want to clear up, contact me for a free consultation today! Click on signup now to get started.

The Fair Credit Reporting Act (FCRA) was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. This law gives you the right to dispute information on your credit report. Aside from inaccuracies, if the credit reporting agency can't verify the information, they must remove it and they must do so quickly.

• You have the right to ask for your credit score.
• You have the right to dispute incomplete or inaccurate info.
• You have the right to know what is in your file.
• You have additional rights if you are a victim of identity theft or active duty military.

Contact me for a free credit consultation! You can signup now on this website. Just click on "SIGNUP NOW" in the top-right corner of this page.

Most of my career I have worked in the financial services industry. I have been a mortgage loan officer, personal loan officer, assistant manager, branch manager, and escrow officer. I have 25+ years of experience working with credit reports and helping consumers qualify for loans.

When I worked in the mortgage industry, the least favorite part of my job was having to call someone and tell them they did not qualify to buy a home. I believe everyone should be able to own a home, so I started helping my customers improve their credit scores. That's how I got started with credit repair.

I believe everyone deserves good credit. That is one reason why I started my credit repair company, to help consumers improve their financial health and save money on interest.  Our rates are very competitive and priced so that it's easy for you to hire me to improve your credit.

If you need help repairing your credit, contact me today! I want to help you reach all your financial goals.

There are so many credit repair companies offering services to help consumers repair their credit. You have to be careful because some companies offer services that are unethical and sometimes even illegal. CPNs (credit privacy numbers) and paying for tradelines are a couple ways that credit repair companies are aggressively increasing scores. CPNs are ILLEGAL. Buying tradelines is not necessarily illegal, but is definitely deceptive and could be considered fraud.

We do not use these tactics because we want to make sure your credit has long-term improvement and not just a quick fix. We want to build relationships with our customers so we all can be successful.
​
Contact me today for a free and ethical credit consultation on FB or at [email protected].

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