We Have A Credit Rx For You

We are in this together

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We have a team of credit experts standing by to support you in your credit recovery!

Credit Diagnosis

Our goal is to assist clients in obtaining the best possible credit to enrich their lives. The Consultation is about turning your financial dream into reality. A Plan of action is created for your file.

A credit specialist is assigned to coach you thru the process, answering any questions you may have but more importantly gives prospective client the prescription to resolve current credit issues.


There are various ways that we work with you to achieve credit enhancement such as:

Removal of negative items impacting credit profile. ( Expert methods used to resolve derogatory issues).

Replacing negative items with Credit boost trade lines when necessary.

Add history to file, making a thin file appear stronger , reducing credit utilization, and increasing credit scores quickly).

Credit Rehab

The PHD Credit team joins you in your credit recovery. In our experience client participation insures success. Often results occur in as early as 21 days.


The client achieves good credit, learns how to manage credit with routine credit checkups, has control of buying power, no longer pays high interest rates, and client are confident that they will be approved for what they desire before they apply.

Start your recovery now by completing a credit examination.