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The Process

                                                                    My Process Curious about how I can help you? It's simple, here's how it works.  First, please understand I am NOT Credit Repair. There is no magic button that I, a consultant, or any Credit Repair company can push to just delete all your negative accounts from your credit report. What I do is look for ways to increase your score asap, and I will also prioritize which accounts you need to deal with, and which ones you DON'T need to stress about. This has been so much more beneficial and helpful to my customers, rather than just sending out frivolous dispute letters month after month, wasting time and getting nowhere. We need to get to the bottom of what IS on your credi...
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FAQ

*FAQ'S* Q: How much does it cost? Is there a monthly fee?  A: It is a flat fee of $59 for Individuals and a flat fee of $109 for Couples. There are no monthly fees and your payment information is not stored. We can accomplish what needs to be done in one month.  (Watch my social media for special discounts!)  Q: How long does it take?  A: Cleaning up and building credit is not an overnight process, and every credit profile is different, so it's difficult to say how long it will take to reach your desired credit score. Creditors report to the credit bureaus once a month, not in real time and certainly not on our time, with that being said, we usually see some changes in score within 30-45 days.  Q: The debt belongs to my ex-wife. She was suppose to make the payments. That should simply be deleted, right?  A: No. Creditors and the credit bureaus do not care about your personal arrangements as far as to whom the debt actually belongs to. If you both sign, it b...
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Obtaining Your FREE Credit Reports

Obtaining Your FREE Credit Reports Once you sign up, Ill ask you to visit AnnualCreditReport.com to download all three of your FREE credit reports. These reports contain the most complete information so that I can put your game plan together as accurately as possible. This way, I will not have to pull your credit, which would result in an inquiry on your report. When you get to the site, you will verify your identity, access your report and save it, then repeat the process for the other two bureaus.  Find the Download or Save buttons on each report and Save them as A PDF.  On Equifax it is a big blue button that says DOWNLOAD REPORT.  On Transunion it is a small blue link right above your personal information that says PRINT OR SAVE REPORT.  On Experian it says PRINT REPORT on the top right. Click it, then select SAVE AS PDF instead of print.  Then email them all to me.  From there I will create dispute letters for you, as well as put together a Step by Ste...
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Who Is Niki Williams and Why Credit Consulting?

Hey! If you’ve landed here, it’s probably because we’ve crossed paths and you need some help with your credit profile. But first, you want to know who I am before you share all your financial secrets with me. I get it. My name is Niki. I’m a single mother, business owner, and credit junkie. Don’t forget forward thinker, optimist, beach bum, mermaid, nature lover, and on again off again vegan. I live in sunny Florida, mostly on land, but usually under the sea. I believe strongly in doing the right thing, and life will treat you alright. Ok, I think I’ve covered everything. Back to the credit junkie part…. Seriously, I am obsessed with all things credit. But believe it or not, I have been in your shoes before. Everything was good, and then life happened. This is why I firmly believe bad credit happens to good people. We weren’t taught this stuff in school,right? But, thank goodness for second chances! I was able to get my credit back to excellent standing and have learned the ins and ou...
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