Call Us Toll Free: 855-722-8669
  • Fix Your Credit Quick & Easy

    Most People do not find out they have bad credit until they apply for a car loan or a mortgage. Their dreams shattered and the likelihood of the new car smell and or a white picket fence and a yard for a dog named Fido are dashed. Many people in the past would just wait till 7-10 years pass when all that bad history likely disappears. Not the case at all as many creditors resell old debt in the hopes of collecting something. So a retreat back to the apartment or worse yet the shady used car lot in a bad side of town. Presently, there is no need to do that as there is an affordable and quick way to remove all your bad credit history. Credit Repair is an art and it can be done in stages and it requires your engagement and commitment. Much like a fitness trainer we will help you but much of the meaningful change comes from your own effort. Our Past results are 70% of all blemishes are removed. Some people are all set in 6 months and others a little under a year. It mostly just depends upon collectors and creditors working with us to help you. We offer a free over the phone consultation where we can help you review your credit report. If you identify many areas that need improvement we can set up a forensic audit of your credit where all debts are analyzed for accuracy, amounts, and owner. We utilize ethical established methods based upon the Fair Credit Reporting Act. Your items reported to the three private company major credit bureaus must be both verifiable and accurate. If the data on your report does not meet that criterion it must be removed or the bureau faces fines and fees. Bankruptcy is a common area where a debt that has been dissolved is still appearing on your report and an unscrupulous collector is still making attempts. We make certain that that collector is put on notice and we use your legal filings and notices to get that old history off your credit report. Medical debt is one that burdens many Americans and in our practice we utilize HIPPA and other requirements to make sure bill collectors are following the law. Other areas we can help you in are Short Sales and Foreclosures, Open Collections, Liens both IRS and Municipal, Charge-Offs, judgements, and Repossessions. Our pricing structure has a two tiered program where you can rest assured we are being compensated for results and not just our good looks. Call us on our toll free line at: 855-722-8669 We operate in most states with the exception of GA, NY, and UT.

  • Obama Student Loan Forgiveness...

    One of the greatest opportunities for stressed out college graduates is student "Student Loan Forgiveness" or "Loan Repayment Programs". These programs offer to eliminate some or all of your student loans in return for choosing certain careers, military service, and even volunteer work.There are several plans available that you may Qualification for and we can help. Such programs can eliminate anywhere from a few thousand dollars to $100,000 of student loan debt. Ironically, many of these programs receive a relatively small number of applications indicating that many graduates are completely unaware of these opportunities. At the Student Aid Center, we can show you your options and submit all the paperwork. Loan Forgiveness vs. Loan Repayment For Graduates Looking for Student Loan Forgiveness or a Consolidation Plan Take The First Step Today In Getting a Student Loan Consolidation Plan Student loan forgiveness programs are those backed by the Federal government and cover loans issued through Federal programs such as Stafford and Perkins student loans. When you participate in one of these programs, portions of your debt are literally erased from your lender's books. Student loan repayment programs, which are more widespread than forgiveness programs, may be used to eliminate any type of loan excluding private loans. The amount eliminated under loan forgiveness or repayment programs may be considered taxable income in the year received. In other words, if you have $5,000 in loans forgiven next year, that may increase your taxable income in the eyes of the IRS by an equivalent amount. While that's never fun, it should't discourage you from using one of these programs since the benefit far outweighs the cost. Additionally, any loan repayments made under the National Health Services Corps (NHSC) Repayment Program or any state program eligible for funds from the Public Health Services Act are considered tax-free. The Teacher Loan Forgiveness Program is intended to encourage individuals to enter and continue in the teaching profession. Under this program, individuals who teach full time for five consecutive, complete academic years in certain elementary and secondary schools that serve low-income families and meet other qualifications may be eligible for forgiveness of up to a combined total of $17,500 in principal and interest on their FFEL and or Direct Loan program loans. (Note: As of August 14, 2008, an otherwise eligible borrower may Qualification for forgiveness if the borrower has provided Qualificationing teaching services at one or more locations that are operated by an educational service agency. Please contact us for Eligibility Requirements. How Student Loan Consolidation Works The first step in consolidating your student loans is applying for a consolidation with us We will Locate Your Student Loan information. As a result of recent changes at the Department of Education, you'll need to provide your student loan information with your consolidation application. There are several ways that you can locate your student loans and the easiest is to contact the Borrower Tracking office of the Department of Education Sign and Mail. Once you have reviewed the promissory note, and understand the terms, you will sign and return the application by sending the originals back to us via mail for our review. Received Student Loan Forgiveness Application Processing After your application is submitted for processing, the "loan retrieval" begins. The consolidating lender will contact your lenders for the exact amount you owe; this information is sent to them on a loan verification certificate, or LVC. This process can take up to 60 days depending on the response time from your lender(s).

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  • Funding Your Business & Building Business Credit...

    Are you using credit to help finance your new business venture? You’re not alone as statistics show that over 65% off all business owners use credit for business purchases. But what’s alarming, is that only 50% of those cards are actually in the business’ name. As a business owner using personal credit cards for business is a risky approach since you assume total liability and if your company is sued or fails you risk losing personal assets and good credit ratings as well. So how do you go about building credit in the company’s name without putting your personal credit on the line? For starters, if you operate as a sole proprietorship you’ll need to incorporate your business and obtain a Federal Tax Identification number. As a corporation your company is treated as a separate being with its own tax registration with the IRS and state agencies. It files its own tax returns and it can also create its own credit files completely separate from that of its owners. Your company’s Tax ID Number or Employer Identification Number is the number that you will use to get registered with the business credit bureaus like Dun and Bradstreet. You will also be required to furnish this number on corporate credit applications because lenders use this information to conduct a business credit check on your company. Before you start to apply for credit make sure your corporate records, state filings and required business licenses are all up to date. In addition, get your company’s phone number listed in the 411 directory so a supplier or lender can complete every aspect of its verification during the underwriting process. After you meet these requirements you will be ready to apply for credit and the best place to start is with suppliers. Many types of suppliers, including major brands, extend lines of credit to businesses like yours giving you the opportunity to finance purchases and conserve your company’s cash. You can obtain products like office supplies, computers and marketing materials with payment terms ranging from net 30 to net 60 days. You should focus on applying for credit with suppliers that provide products and/or services your company needs in order to make regular purchases using your credit line. By paying invoices on time you will build business credit history and increase your company’s creditworthiness. With a strong business credit report you can stop relying on your personal credit to qualify for the financing your company needs. Since a creditor, lender or supplier can now easily determine your company’s risk level with a business credit check qualifying will be a much easier process. As a startup I know it can be tempting for you to decide on operating your business as a sole proprietorship and using your personal credit to fund your business simply because it’s one of the easiest structures to create and you already have the cards on hand. But by building business credit for your start up, you can improve your company’s image, protect your personal credit, limit your liability and increase your credit capacity since businesses can obtain 10 to 100 times greater financing then an individual..

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Our companies founder has a twenty year positive history in the financial services industry and was a board member of both the East Bay Chamber of Commerce locally and an advisor to Roger Williams business school. We are a member of the National Association of Credit Service Companies or NACSO. Also we are members of the Sakonnet chapter of Business Networkers International.
Credit Planner Corp


Our advisors have trained for an average of 300 hours and have passed our national associations stringent testing standards here in our office we have a combined 50 years of experience advising people, business, and professionals. Our spending on technology rivals 90% of our competitors. With our client portal at and our many hours of credit education content and the advisors who can help you implement them separate us from other firms trying to do credit services.

Affordable Advice

Our programs for credit repair membership services are as low as $79 a month. Our Student Loan consolidation fees are as low in many cases as 1% of the loans outstanding. Our Business Credit Services and Portal may have compensation for services contingent upon performance. Our fees are based on action and delivery. If there is not a definable value given to our client then there is no charge. Our goal is not to further burden our clients. We do not offer debt consolidation or debt management plans as we can help negotiate your debts for a small fee and not add a hefty percentage to the amount negotiated.

Free Initial Consult

Call us at 855-722-8669 to schedule a free overview consult with one of our credit services advisers. In that initial call we determine whether there is difficult or easy items on your credit report. We also measure your credit utilization which makes up 35% of your score. Our advisers can also provide you with our free DIY guide if you have minor issues. That is free of charge and is a $20 value.

Why Work With Us?

Our Advisers help you set goals and achieve them. We pride ourselves as being the most proactive credit repair company out there. Our concierge members get access to a hotline number and a utilization monitoring service that other firms do not offer. We help you re-age credit cards and other lines so you can get a lift even before your negative items are removed. Our associates are Student loan consolidation experts and can address that better than any other credit repair company out there. Our staff and our clientele is 70% millennials so it is likely you will not be helped by someone so much older than you that they can't relate to your specific situation. Also we use only ethical methods that are industry accepted standards of disputing. That way you won't have anything come back to you. Our concierge services guarantee we will make our best efforts to help you with unpaid collections and we do not over promise as it is highly likely when sold that those open collections reappear. In those cases we will make our best efforts for six months after reappearance on our classic plan and one year on our concierge.

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