Repairing or establishing credit may  seem a little scary but my wife Carey & I will walk with you through the entire process. Lexington Law and other "credit repair" companies are charging you for a process you CAN do yourself ~ if you only knew how. That, a nutshell is our free program. We know how and we not only teach you but will provide a step by step process you can progress at whatever pace you want to take control of your future financial independence. Some may only need a couple months while other may need 12-16 months and regardless of the time it takes you,..these are the areas every person will be credit strong in:

  • Debt to Income and Credit Utilization ratios
  • FICO scores from all three credit reporting bureaus
  • Eliminate high interest credit cards & pay-day loans
  • Good if not GREAT pay history
  • Settle collection or charge off accounts at $0.35-.50 on the dollar

Before you read to learn more about our free credit repair program,..there are three REVIEWS from people just like you - that we have helped,..that I'd like to ask that you read. After reading,..ask yourself if the experience we provide them - is what you desire? When you click HERE below, will arrive at my Facebook business page. Please click on the REVIEWS tab along the left border and then select MOST RECENT when the review page opens. Look for reviews from: Chad Lancaster, Jessica Campbell & Mariana Martinez. Please click HERE

You will be required to contact me to start our program,..and the links below are information from websites you might consider reading up on before we start. My contact info is at the bottom when you are ready.

CREDIT LITMUS TEST: This document is a great start and begin by explaining many of the pitfalls that may have contributed to your current credit situation. Next,..I provide information that explains how FICO scores are calculated, links to the Fair Isaac Corporation (FICO) website and to the website where you can get copies of all three credit reporting bureaus once a year. Federal laws require these reports are available to you free each year. Towards the end of the document, I embedded a couple links to some supporting information. Be sure to open each link as you go. The page builds on the information.

REPAIRING YOUR CREDIT: There are many strategies we will employ and one of the most common is credit card debt. Take comfort knowing it will be much quicker to repair your credit than those who have to establish their credit by starting trade lines.

ESTABLISHING CREDIT: There is no complicated process or programs you need to set up to begin this process. Having credit has a positive impact in areas such as: Rate you pay for ALL insurance, Applying for employment, Down payment requirement for lease properties, Interest rate & down payment required for vehicle loans or mortgages to buy a home,...and many more.

Unfortunately,..we live in times where trusting programs that are free and with no obligation are viewed as scams or at the very least - with a lot of suspicion. Please visit my Facebook real estate page and view what real people say about our heart for serving and what they accomplish in the REVIEWS tab.

We hope by the time we help people achieve their your credit goals that the people that have a dream of home ownership will use me as their REALTOR. But at no time in the process will you sign anything or be required to commit to buying with me. Know that we help everyone that wants to help themselves and there are no geographic restrictions.

Thank you for taking time to read this and we hope you will contact us soon to help you too!

Blessings ~

Carey & Billy Waddell


p.s. There really isn't anything secret about what I do as a REALTOR or what my wife Carey does at Texell Credit Union to help people repair or establish credit. Texell has programs designed to help people establish or repair their credit that no other financial institution offers and we'll use one as the first step in over 90% of the credit repair programs we help people with. It's called a "YES Loan." It's reported to the credit bureaus as a "loan" but you should think of it as a forced savings account. It's call Yes Loan because NOBODY is turned down when you fill the loan application out. Texell sets up a savings account for you and for the next 9 months you'll make (on time) a $61 payment. $6 is interest on the "loan" and $55 goes into YOUR savings account. At the end of 9 months, will have: 1) applied for and been approved for a "loan" 2) made 9 payments on time 3) paid off a loan and 4) have a $500 savings account that is yours! You'll use the $500 savings account to begin the next step in the credit repair process. Completing the YES Loan and step 2 will raise your FICO scores an average of 100 points (you have to pay your bills on time and no collection/closed accounts).