#1 Rated Financial Consultancy
Build Your Future with Stronger Credit!
Rebuild Your Credit, Rebuild Your Life!
Welcome to Advanced Credit Therapy
At Advanced Credit Therapy, we believe that everyone deserves a second chance. Whether you’re a newcomer to the U.S., a single parent trying to provide for your family, a student preparing for your future, or a senior citizen looking to secure your retirement, self-employed or business owner trying to get business funding and expand your business, your credit is matter. We are here to help you establish and rebuild your credit.
Understanding credit is not just beneficial; it’s essential for achieving your financial goals. A strong credit score can open doors to opportunities such as:
- Lower Interest Rates on loans and credit cards, saving you thousands over time.
- Better Loan Terms, making it easier to purchase a home or finance a vehicle.
- Increased Financial Freedom, allowing you to make significant life decisions without the burden of poor credit.
Join Us Today
Is your credit application declined due to a limited credit history or a low credit score? Don’t worry—we’re here to help you every step of the way!
Unlock the doors to financial opportunities and watch your future thrive!
Join us today and take the first step towards a brighter financial future!
Importance
Why Establishing Credit in the United States is important for newcomers?
Establishing credit in the United States is important for newcomers because it can help them access financial products and opportunities, such as:
- Loans and credit cards: A good credit score can help you get approved for loans and credit cards, and may also get you better interest rates
- Renting an apartment: Without a credit history, you may have to pay a deposit or may not be able to rent an apartment in your own name.
- Buying a car: A good credit history can help you buy a car.
- Insurance: In some states, your credit history can affect your insurance rates.
- Jobs: Some employers may check your credit as part of the hiring process.
- Security clearances: Your credit history may be a factor in whether you can get a security clearance.
Importance
Why Establishing Credit is Important After Filling Bankruptcy?
Credit Score
A bankruptcy filing can cause your credit score to drop by at least 130 points, and sometimes as much as 200 points or more. The exact impact depends on your overall credit file.
Credit Card Closures
Credit card companies will almost always close your cards when you file for bankruptcy.
Length of time on Credit report
A Chapter 7 bankruptcy stays on your credit report for 10 years, while a Chapter 13 bankruptcy remains for seven years.
Increase Rates
Any credit you obtain after bankruptcy will likely come with higher interest rates.
Job Prospects
If you work in an industry where employers check your credit, it may be more difficult to get a new job or be promoted.
Why Choose Our Services
- Expert Guidance: Our team of experienced paralegals and credit coaches specializes in credit repair and rebuilding. We understand the complexities of credit reporting and can provide you with tailored strategies to navigate this journey effectively.
- High Success Rates: We pride ourselves on our proven track record of helping clients improve their credit scores. Our techniques are designed to yield high success rates, ensuring that your efforts lead to tangible results.
- Education and Empowerment: We don’t just fix, build/rebuild credit; we empower you with knowledge. Our coaching sessions will teach you how to build and maintain a strong credit history. We want you to feel confident in your financial decisions and avoid repeating past mistakes.
- Support for Everyone: We are proud to offer our services to all families, single parents, students, senior citizens, and immigrants in the U.S. We understand the unique challenges faced by each group and tailor our services to meet your specific needs.
