My name is Kimma Mack and I have 33+ years lending experience.  During the years I’ve seen individuals' dreams crushed all because they didn't have the credit score it took in order to qualify for a loan or other services.

I retired in June of 2022 and it has become my mission to educate those who are struggling with credit issues on the process of how to fix and manage their credit so that they can dictate their desired interest rates to creditors vs creditors dictating their terms and rates to them.

 I give you the tools you need, but I stress to my clients that unless you follow the  instructions that are given to you will not see results.  THERE IS NO MIRACLE CREDIT CLEANUP!  It takes work on the back end from you, my client, to ensure that you are doing everything necessary to make this process work.