In a Credit Report: Revolving vs Installment Accounts

So you just got your hands on your most recent credit report, and as you’re looking through, you notice that there are generally two categories of credit: revolving and installment. What’s the major difference between these two? How do they affect your credit score? Let’s go over what each one means. Revolving Accounts These are […]

Repairing Late Payments on Your Credit Report

Life has many ups and downs, and nobody is perfectly on time for everything. For instance, a traffic jam could make you ten minutes late, or a blackout could occur while you’re sleeping, resetting your alarm clock. These events are unforeseen and can affect anyone down the line. A late payment on a line of […]

Simple Things to Do to Quickly Boost Your Credit Score

You just got your credit score and/or report and saw that you’re a few points off from getting a good deal on a car loan, installment loan, or even a mortgage, so what are you going to do? Luckily, there are a few things that can help improve your credit score in a short amount […]

Understanding Your Credit Report: What’s What?

When looking through your credit report, you might see some things that look unfamiliar to you, whether it be a strange name for a creditor, the difference between an open-end account versus an installment account, or inquiries that may pop up. All of these things affect your credit score in some tangible way. Let’s go […]

Credit Card Maintenance: Keeping Up Credit Health

So you have a few credit cards in your wallet, but you might be worried about the impending avalanche of debt that may fall upon your head or the looming destruction of your credit score due to a single mistake. Credit cards are helpful in a multitude of ways: financial security, fraud prevention offered by […]

Banking: How to Avoid Being Nickeled and Dimed

Banking has become a very important service in the modern world. Hiding cash-money in a mayo jar under the mattress simply does not cut it for a variety of reasons. Banking, either checking or savings accounts, is needed to receive direct deposits from jobs, transfer money electronically, or keep assets in a safe place backed […]

Budgeting With Your Credit Card

Hello everyone in the Fix Your Credit Consulting community! Today we will be exploring the topic of budgeting and how to best utilize your credit cards to keep control of your expenditures. During these uncertain times it is more important than ever to budget your expenses. Often we find ourselves at the end of the […]

Different Scores with Different Bureaus: What’s the Deal?

When checking a credit report that displays all three credit bureaus (Transunion, Experian, and Equifax), you may notice that the three scores may be different. This leads to the inevitable question: Why is this and does it affect my chances of getting a good loan?  First off, keep in mind that the credit bureaus do […]

Credit Score Breakdown

Hello everybody, today Fix Your Credit Consulting is going to explore credit scores and what exactly goes into calculating those numbers. Understanding your credit score can be a tricky thing and can sometimes feel like you are trying to decipher an archaic text in another language. And the people that calculate the scores don’t make […]

  •   Ok so I've been holding off writing this review for about 7 months. And as you can see by the 5 stars I left I'm beyond happy with the services this company provided me. I was skeptical at 1st even though they had stellar reviews (which is why I chose them) but there's always that thing in the back of my mind of "well they probably won't be able to help me though, I will be that exception they cant fix". Needless to say they absolutely crushed getting EVERY collection I had off my report!!! I had about 5 grand worth of stuff on there that they managed to make disappear like magic. My credit has shot up over 150 points! I cannot say enough good things about them. I even referred my coworker to them after and they sent me a $50 referral check back! If you're looking to clean up your credit, don't wait, call these superstars and get on your way to feeling confident about your credit again. I feel like a huge weight has been lifted off my shoulders and I'm so grateful. Thank you fix your credit!!!

    thumb Rob ..
    8/27/2022

      I worked with Mia and Said for over a year, I believe. They were beneficial and responsive. Although we were not successful with all of my accounts, they still helped me raise my credit by about 100 points. So I stand satisfied. I recommend them. Not to mention there prices are very competitive. Thank you all.

    thumb Alex G.
    8/17/2022

      I called this place about 3 months when I decided it was time to fix my credit.   I spoke with Mia, she walked me thought the whole process in a 5 minute phone conversation.  It was simple enough so I decided to pull the trigger and signed up.  Its only been 3 months and already they have removed negative items and improved my score significantly.   I strongly recommend to give them a call as soon as possible, I waited too long and I wish I would have called sooner. I will update in a few months with the final results.

    thumb Ivan A.
    5/25/2022
  •   These guys are legit and professional at what they do and very quick as well very responsive and knowledgeable and they will do everything they can on your behalf
    ASK FOR MIA SHE IS THE BEST.

    thumb Edward N.
    3/22/2022

      I highly recommend Fix Your Credit Consulting. They helped remove my Bankruptcy and did it within 9 months. I'm very impressed. I was referred to them by a very reputable Credit Repair Attorney who works with them as well in between things, so they know their stuff and all of the legalities regarding fixing your credit.

    I worked with Mia Lopez who's the greatest and did a very good job of taking care of me and my friend tackling every issue or challenge that we faced. My credit score is now over 800 on all 3 of my credit reports. I referred my friend who had a 480 credit score and it's now over 700.

    They are one of the best if not the best credit repair companies out there. I will definitely work with them again if I need credit repair. Mia Lopez, you are the Greatest! Thank you so much for all of your help Mia. You deserve several raises. Job Well done! I'm one happy customer!

    God Bless!
    Cornelius Williams

    thumb Cornelius W.
    3/07/2022

      Sandra is the best!! Thank you for helping me and get all my negative items removed from my credit!!!

    thumb Carlos M.
    1/14/2022
  •   Fix your credit consulting was able to help me and family buy a home after fixing our credit, if you are looking for an honest reputable company to work with, Fix your credit consulting can help you like they helped me, I highly recommend them.

    thumb jon b.
    1/10/2022

      I have been working with Said from Fix Your Credit Consulting since July of 2020 (over a year). A few years ago I was in an auto accident (not my fault) and there were several incorrect things that accumulated on my credit reports. Unfortunately, my credit score suffered because of these errors and I eventually decided to take the plunge and sign up with Fix Your Credit Consulting after reading all the other great reviews here on Yelp.  The service has been totally worth the money I spent.  All three of my credit scores have significantly improved (over 100 points) and in June I was able to qualify for a 30-year fixed mortgage with a great interest rate. Thank you again to Said and the fantastic team at Fix Your Credit Consulting.

    thumb B P.
    10/25/2021

      Said has been extremely helpful and diligent throughout the process of repairing my credit. He is responsive and informative with all my questions and concerns. He has been an integral part of helping me reach my goal of buying my family a home. 6 stars!

    thumb Maria B.
    10/20/2021
  •   These guys are the best , check their reviews yourself. I retained them to take over from another credit repair company who were nothing but scammers and they corrected and removed two negative collections that was put on my credit by mistake. I was getting a run around from this other company for the whole year and finally decided not to waste my time anymore and go to these guys .please give them a try if you have issues with your credit.

    thumb Shirin H.
    9/30/2021

      I originally contacted FYCC through chat on their website, and not even 20 seconds later I got a response from Jeff! He then proceeded to answer my questions and said that someone would reach out to me after looking over my credit reports. Fast forward, I received a call later in the afternoon from Mia, who is super helpful and friendly. She was straight to the point, told me what they could help with and I started to get more optimistic about my horrible credit score. Mia not only answered my questions thoroughly, but she also gave some advice on upping my credit score. She walked me through the process of what would happen if I did decide to sign up for their services. After hearing the price, I was all in! Such a nominal charge compared to other places, and they continuously work on your credit for up to 6 months.
    I will provide an update in the coming months!

    thumb Noah Z.
    7/18/2021

      I have been working with Said for the last 5 months or so and I have to say that my experience with him and his team has been nothing short of great! So far my credit has gone up about 90 points and I know that Said is still working to improve my credit even further. I was very skeptical about how this would all turn out, but I am so beyond happy with the results and recommend their services to anyone considering it.

    thumb Adrienne V.
    7/14/2021
  •   I have been working with Fix Your Credit Consulting and Said for the last 6+ months. It's been an incredible experience. They are knowledgeable and clear. My credit score has improved and even though I had a collection come back, the entire team was on it and had it fixed quickly. I am so grateful for Said as well as the other staff that supports him! I've already sent a referral (which got me a referral bonus $) and I will continue to recommend them to anyone who needs credit help!

    thumb Ali O.
    7/12/2021

      I was referred to this place by someone who also had the help of fix your credit. First of all thank you Said! Said has helped me from the start and has been extremely helpful. Anything I need or any concerns I have he is always quick to respond. He also has a great and fun personality so he's easy to talk to. Fix your credit definitely helped me credit score and continues to do so. Thank you so much for helping me get back on track!

    thumb Ashley V.
    7/09/2021

      Great communication great service I feel blessed working with Said and he help me along the way now just today I got my credit card approved so happy and they are the only way to go if you wanna get your credit fix up

    thumb Peter L.
    6/02/2021
  •   After years of waiting for erroneous collections from my youth to fall off my reports, Mia and the staff at FYCC were able to get them all removed from all 3 bureaus within a month or so and my credit score shot up 100 points, enabling me to increase my credit limit by 10 fold, which in turn made it easier to maintain a higher score going forward since my debt-to-credit ratio is much lower than before. The higher credit score has greatly alleviated worries I've had about apartment, credit card, and auto loan applications.

    Initially I was hesitant to reach out for help on this issue for many reasons, but after spending hours on FICO and Reddit forums, I decided it wouldn't hurt to let some professionals take a crack at it before I waste god knows how many more hours writing and sending out letters myself into the bureaucratic void hoping these bureaus would even consider my side of the story. Mia is super patient, listened to my story, and explained my options in a clear manner. FYCC provided progress reports and were easy to reach for additional questions that I forgot to ask in the first consultation.

    It's taken me a long time to write this review, maybe a year or two after my initial consultation, but I'm happy to report the collections haven't returned and I've had no other credit issues since I started. I would highly recommend Mia and FYCC to friends and family without hesitation.

    thumb Duncan V.
    5/27/2021

      It's been about 40 days or so since I've had Mia start working on repairing my credit and dealing with the collection accounts I had. I was skeptical, I felt it was too good to be true, but I was desperate. I contacted Fix Your Credit Consulting and Mia was the one who told me the process step by step, as well gave me a lot of good advice to what I can do on my end to help my credit. I was still skeptical. Days passed and Mia kept checking up on me to see if I was still interested. Again letting me know what process they take to fix credit scores. I was still skeptical. I finally gave in and Mia and her team started to go to work right away. Within a few days, Credit Karma sent me an alert that there's been changes to my credit scores. Sure enough my score went up by a few points. Few more days passed and I get another alert. This time it alerted me that a couple of my collection accounts have been deleted from my record. The next couple of weeks were just the best, watching my credit score rise.

    In case anyone thinks this review is too good to be true, I added a screen shot from my credit Karma account showing you how real this is. Yeah its kind of a personal thing to show, but maybe it will convince a few people to take that chance on this beautiful company and get results. I started with a 516 credit score. It's now 581 and they're not even finished yet!!

    thumb Eliseo S.
    5/12/2021

      I felt so insecure about my score and intimidated that this service (as I have never looked for a credit fixing service) would be astronomically priced that this would not go well. But I was completely wrong, and I refuse to go to anyone else after the five-star service Said Mneimne gave me.

    He was calm/nice and patiently went through options on how to work on/improve my score. Without any judgement he gave me the best tips I know are realistic and achievable for me.
    I feel confident and able to drive my future finances, with his help, so I can eventually rent an apartment and buy a car.
    judgment

    I'm sure everyone on their team is amazing but if you can request anyone, ask for Said Mnimne. Thank you so much Said!!

    thumb Stacey P.
    5/06/2021
  •   Said has worked with me and the overall experience has been absolutely fantastic. He responds to all my annoying questions and concerns in a timely manner and it's like we are friends but more importantly, he delivers RESULTS. My equifax went from a 500 to a 749 in about 5 months. That was mind blowing and way more than I expected. Fix your credit consulting is amazing and I have referred some of my closest friends to them as well. Knowledge is power and these guys know what is best.  I mean this when I say this, this is by far the best investment I have ever made into my self. 🙂  
    -Lee M.

    thumb Lee M.
    4/26/2021