Solutions
with integrity

We help guide you toward a better credit score by identifying different items on your report.

WELCOME TO

SWI - SOLUTIONS WITH INTEGRITY

Pay only after you see results!

Are you tired of having the bad credit score?

Many people are aware of the important role the credit rating plays in their lives. However, understanding what actually goes into a credit score (the credit score breakdown) might present a bit more difficult. There are several different methods of scoring, but most lenders and banks rely on the FICO method that has been in existence since the 1980s when it was developed by the Fair Isaac Corporation. The three prominent credit bureaus (TransUnion, Experian, and Equifax) all worked with Fair Isaac in order to come up with the FICO method.

Your credit score may be any number from 300 to 850. The average American falls at about 690 which is deemed relatively good credit. However, while this score should secure you a loan, it will not get you the very best interest rates on a loan.

Understanding what goes into the credit score breakdown is the first step in improving your score.

HOW TO GET STARTED

STEP 01

ENROLL

We’ll give you a professional consultation and credit analysis to see if you are a good fit for our credit consulting program.

STEP 02

LEARN NEW STRATEGIES

We have a wide assortment of credit-building tools that put you in a position to maximize your credit score!

STEP 03

SEE RESULTS

We’ll Walk you through any changes to your credit report, So you can see and discuss the results with a profiessional!

HOW WE CAN HELP YOU

Collections Account

A collection can result from a debt that has not been paid on time. If you become significantly delinquent on a debt, such as a medical bill or credit card bill, the original company owed will often write off this debt as a loss and sell it to a collection agency. The collection agency will then attempt to recover the money owed.

Repossessions

Can stay on your credit report for up to seven years, making it harder for you to qualify for other loans.
have a severely negative impact on your credit and can show lenders that you may not be able to make payments on the property you purchase.

Whether you voluntarily ask your lender to come and pick up their property or you are forcibly repossessed, the message is the same: you are unable to pay your loan and the lender is taking back their property.

Late payments

A late payment is an amount of money a borrower sends to a lender or service provider that arrives after the date that the payment was due or after a grace period for the payment has passed.

How much a payment is late and other factors can have a negative impact on a person’s credit score and, indeed, their ability to obtain credit at a favorable rate.

Charge offs

When a creditor believes that a debt is unlikely to be collected, they can write off this debt as a loss. This type of debt is known as a charge-off. Like a collections account, this usually occurs after an account has significant delinquency.

Hard Inquiries

A hard inquiry can affect your credit score and remain on your credit report for two years.
But what does that means? Because hard inquiries can potentially drop your credit scores, they can result in your paying higher interest rates on loans.

Student Loans And More!

Bankruptcy, Inquiry removals, Pay-Day Loans, Child-Support, Public Records, and much more!

Don't Know If Hiring A Credit Repair Company Is Right For You?

Schedule Your FREE - No Obligation - Credit Report Analysis Below

SEARCHING FOR A FIRST CLASS CREDIT CONSULTANT

What PEOPLE ARE SAYING

Catherine Brazilian Spa
Catherine Brazilian Spa
2022-10-20
Excelente serviço. Fundamental para quem quer começar a construir crédito. Esclarece dúvidas de forma detalhada e com bastante cuidado
Fernando Arce
Fernando Arce
2022-10-19
La mejor asesora bilingue Diana Foster, recomendadisimo al 100% una persona muy capacitada y entregada a su trabajo y al cliente.
Agatha Dias
Agatha Dias
2022-10-17
Amazing service, Loved Diana’s work!!
Nilda Rodriguez
Nilda Rodriguez
2022-10-17
Excelente trabajo
Pretty Prinny
Pretty Prinny
2022-09-30
Very professional and informative young lady, I really appreciate her step by taking us thru the process and being honest of getting our business done on time we really appreciate your time and effort! I will definitely be looking forward to do multiple more business with you in this field area....
Connie Martinez
Connie Martinez
2022-09-13
Los servicios que ofrece Financial Life Solutions son muy amplios y profesionales. Al igual que muchas personas me encontraba con muchas dudas y sin saber en qué agencia poder confiar al tratarse de un tema tan importante como lo es nuestro crédito. Desde la primer llamada Diana Foster me inspiró confianza y se tomó el tiempo para explicarme cada proceso. Lo más importante y por lo que hago este review es la empatía demostrada en todo momento.
Jason Santana
Jason Santana
2022-09-12
I want to congratulate Diana for her excellent work!
Hernán Vídeos
Hernán Vídeos
2022-08-18
Realmente muy buena me ayudo muchísimo la mejor Diana foster
Young Swaggy
Young Swaggy
2022-08-14
Diana is the best!
Carlos Oliveros
Carlos Oliveros
2022-06-24
They are scelent and professional people..thank you for your help....