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What is a credit score?

A credit score is a number that represents your creditworthiness. It is based on your credit history, which is a record of your borrowing and repayment activity. 

The higher your score, the more likely you are to be approved for loans and credit cards. A good credit score also grants you lower rates in interest payments.

What's Included?

We'll go over the specific details of your credit history with you and identify what items on your credit profile are damaging your credit scores. We will also share some helpful tips to increase and maintain your scores.

What our clients say about us

42 reviews on
Fadhia Vassor
Hasn't even been a full month an I am already extremely satisfied! Up 100+ points already! Highly recommended!
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She is the best really do care about her clients and make sure you understand everything pertaining to your credit. Breaks it down in a timely and understanding matter. I was able to get all my questions answered she also gave me some great tips /ways I can increase myself I would highly recommend this company & services.
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sherry hyman
So pleased with the results I have seen and how pleasant KY is to work with she so knowledgeable helpful and patient look forward to continued success ty
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Mirline A
I'm blown away by this company. I recently started working with Upgrade Financial Services and I am SO happy that I did! They are working hard and have already made a positive impact on my credit report. They've help remove negative items from my report which directly caused an increase in my score. I am very pleased with the service that I am receiving from Upgrade Financial Services and I will definitely recommend them to family and friends. Upgrade Financial Services gets an A++++
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Sarrindia Clark
Amazing company with amazing results! Very professional, and gets results in a timely manner!!! I would definitely recommend!!!
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Djerica Henri
The best credit repair company EVER!!! My score went up over 200 points in just two months!!! I'm honestly in shock! Jovencia and her team are amazing, communication is stellar, and they do all the work! I'm so happy I went with them. I can't believe how much my score has went up in such a short amount of time! Thank you thank you!!!!
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Flo Flo
I'm so happy that I come across Upgrade Financial Svc. Very professional and responsive any questions you may have it's answered quickly. My credit score has improved tremendously. To the point I've gotten approved with new credit cards with high limit.
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Desiree Kimbrough
I literally been trying to fix my own credit for years! I’m just 2 months working with them I’ve finally got approved for real credit cards to start building more! Score up over 70 points in 2 months! Thank you sooooo much!
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cherland decius
Jovencia is the best She really do care about her clients and make sure you understand everything pertaining to your credit. she’s also professional with an excellent respond time. She is also very affordable she was able to have my credit jump by 50 points I’m so excited
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Frequently asked questions

Get answers to your credit repair questions

What can I do to raise my score?

This may vary from credit profile to credit profile. However, we do have a list of preferred partners that offer accounts that aid in the boosting of your account.

What should I do about calls from collection agencies?

If you are receiving calls from a collection agency please let us know immediately. In the meantime do not provide any information or make any promises to the representative over the phone. It is their sole purpose to get information out of you. Simply state “I’m not sure what this matter is about please send any correspondence to whatever address you have on file. Thank You I am ending the call” and hang up.

After your company removes those negative items from my credit is the debt gone?

Credit repair does not erase your financial obligation. You are still personally responsible and legally liable for that debt.

Do I have to do anything?

We work together as a part of a team to get you the results that you desire. Deletions alone will not improve your credit score. Our main focus is a healthy report, a healthy report will lead to a healthy score. In addition to the work my team and I complete for you, you assist us by:

a) Not applying for any new credit anywhere

b) Pay all bills that report to your credit report on time every time

c) Not maxing out your credit card during the repair process regardless of if you pay in full every month

d) Email all documentation from bureaus and creditors to us within 5 days of receipt

e) Do not make any promises to collection agencies or creditors over the phone

f) Pay down your credit card balances to as low as possible. Keep your credit card balance lower than 10% (start with the card that has the smallest balance)

What is a credit score and how is it calculated?

A credit score simply tells lenders about your creditworthiness. It is calculated using the information in your credit reports.

Should I just pay my collection accounts?

No, you should not. The first step in the process is to actually check it for errors and dispute the account.

How will I know what your company is working on?

As a client, you have 24/7 portal access that will keep you updated on what we are doing for you. It shows you exactly what accounts have been disputed, removed, or verified as well as your progress with your score among other things and we do monthly consultations to keep you updated.

What is credit repair & is it even legal?

Credit repair is the process of identifying any negative items on your credit report. There are laws that protect you as a consumer from having items on your credit report that are inaccurate, outdated, and unverifiable. We leverage those laws to get negative items removed from your report.