Newport Beach Credit Experts

Dear Southern Californians, Since 2015, we have been assisting California business owners with their business credit, business debt, personal credit and personal debt. We have exceptional business affiliates working in Los Angeles County, Orange County and San Diego County, majority are commercial lenders, some CPAs and commercial real estate brokers. In other words, we are […]

Can the CARES Act Deferment Program Help or Hurt My Credit?

When you asked for a deferment during the COVID 19 pandemic, mortgages and other creditors will report this status on your credit report. If you are not seeking new financing but used the CARES Act to assist you during the pandemic to help your credit rating, ultimately the program will protect your credit scores and […]

Credit Counseling is a Bad Strategy for Your Credit

Most people who seek credit counseling do not have tarnished credit, they just cannot afford carrying over extended debt any further. Instead of seeking legal advice or professional advice from a credit expert or attorney, the consumer seeks a credit counseling company. The credit counseling company will give you the worst advice which is to […]

To Credit or not to Credit is the Question…

Welcome to 2020, more business owners are seeking new credit. There are many business owners with blemished credit or who are examining to fine tune their credit scores back into the mid 700s to 800 plus range again. There is nothing wrong of pursuing better scores, a professional business owner always seeks for improvement. For […]

Who Qualifies for Credit Restoration?

Credit restoration is for professionals who inquire on improving their personal credit and business credit because they are interested in expansion, purchasing new inventory, new real estate or reducing overhead by obtaining new business financing. Majority of our clients are business owners who we serve and appreciate. The following is a list of examples for […]

Avoid Credit and Financial Mistakes While Divorcing

Divorce is not an easy process. However, your credit and finances necessarily  have to suffer while you are in the process of a divorce. We have worked with numerous clients who had murky divorce cases.  Included below are some helpful dos and don’ts of protecting your finances and credit through the divorce process: Financial dos […]

A Free Credit Consultation Solved Problem

A potential client was referred to us to improve his credit scores. The client contacted me and sent me a copy his three merge credit report. After reviewing his credit, the client did not need credit restoration services but only credit advice. The potential client had impeccable credit meaning he had no late payment history, no collections, no […]

A Commitment is needed to Restore Your Credit

Most of our clients are self-employed small business owners, real estate investors and independent contractors. Our clients who commit to our credit restoration process are very determined and committed to fine tune or fix their personal credit or business credit or both. For Example: A small business owner downsized his business; he closed one of […]

Q’s and A’s on Paying a Collection Account

Question: I am applying for a short term business loan for my business and I was just notified by my bank representative that I have a collection account which is reporting on my business credit. I have called the creditor numerous times to negotiate some type of settlement but they refuse, so now what? Answer: […]

A Simple Need to Have Good Credit

What are the need to haves than the want to haves when apply for new credit? A need to have would be an auto loan, a business loan, a commercial real estate loan or a home loan. A want to have to apply credit would be a department store credit or another credit card after […]

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