At PHD Credit, our first priority is our customers and helping them get their financial health back. Our firm specializes in improving your credit positioning and financial future thru credit education and restoration. We offer education on what makes up credit, credit restoration, building credit, debt settlement when needed, and dealing with debt collectors and creditors. Financial literacy is the key to restoring your credit. We help people establish and build a solid, well-rounded credit foundation. PHD Credit rehabs a client's current credit profile. This results in getting clients qualified for mortgages, auto loans and paying better interest rates. Credit stability aides in smarter financial investments, thus putting money back into your pocket.