Have you ever wondered how fast you can improve your credit score? Most cleaning credit companies would like you to think it takes 1-2 years, but that’s not true.

Realistically, you can improve your credit score in 3-6 months (not years). All it takes is:

• Understanding the mistakes you made and the traps you fell into early in life.
• Having an income to support a new loan.
• Learning how to use a broader product mix, more aggressive underwriting, and companies who actually take on extra risks.

We truly believe we can teach you how to negotiate your debt, and how to do it right.

And how to do it fast!

Another credit card downfall many people need to be aware of is how much they’re making versus how much they’re spending. If you have more bills than income, creditors will frown upon you.

This tends to happen to many of us when we’re in our 20’s. At this time in our lives, we’re often presented with a minefield of temptations, bad decisions, and hard lessons.

It’s okay.

As Smart with Debt, we want to help you cross that minefield unscathed. Or, if it’s too late and you stepped on a financial bomb, we want to help put your life back together so you can own a home and save money.

A lot of money!