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Rectify Bad Credit with Credit Experts

A good credit score ensures you enjoy favorable loan products, lower interest rates, and premium credit cards. But if your credit score is bad, you will not enjoy these deals and will be forced to pay very high interest on loans, mortgages, and credit cards.

At Hart Financial, we have experts who will help fix any bad credit by removing all negative and inaccurate data in the credit reports.


We'll give you a professional consultation and credit analysis to see if you are a good fit for our credit repair program.

Learn a Wide Array of Strategies

Our company has invested in a wide array of credit-building tools to increase your chances of improving your credit score. We customize them to suit our clients' needs.

Achieve Positive Results

When you register with us, you will have a personal dashboard where you can monitor the progress of your credit score in real-time. You can note an improvement within 30 days.

/ Hart Financial Coaching Program

Hart Financial Repairing Credit by Challenging Derogatory Itemson the Credit Report/Score

A derogatory mark on the credit report is any negative item that affects your credit score, such as foreclosure, collections account, or late payment. You will have issues obtaining loans if you have any derogatory marks. Getting a mortgage can be challenging if you intend to purchase your dream house. Some lenders will only issue loans on mortgages with exponentially high interests if you have these marks. Some of the negative items that our experts can challenge primarily include:

Collections Accounts

Collections accounts hurt your credit score and will remain on the credit report for seven years. You will have a collection account if a lender transfers unpaid debts to the collection agency. Once the account is transferred to the collection agency, it will be a separate account on the credit report. Hart Financial can help in disputing the collection accounts and ensure they are eliminated from your reports.

Charge Offs

A charge-off is classified as a debt that the lender deems uncollectable. The lender can refer to a debt as a charge-off if you have become delinquent. The creditor then decides to write off the account as part of the loss. Even if the creditor has decided to charge off the account, you are still obliged to settle the debt. Charge-offs are damaging to the credit score and will remain on your report for seven years.


Repossession is when the lender decides to seize your property due to nonpayment. If your property, such as a car or house, is repossessed due to missed payments, it will remain on the credit report for seven years. Repossessions will hurt your credit score and lower your chances of acquiring properties via loans in the future.

Hard Inquiries

When a creditor requests to analyze your credit report when applying for a loan, it is referred to as a hard inquiry. Hard inquiries lower your credit score. Several credit inquiries on your report can indicate that you are trying to expand credit which will increase the risk to your creditor. Our experts help to make disputes if there are any inaccuracies. We can also appeal for Goodwill Courtesy Removal by requesting the lender to remove anything negative reports on your credit as an act of kindness.


Foreclosure is a process by which a creditor attempts to recover money owed by taking ownership of the property and later reselling it. It occurs when you miss making several monthly payments. The creditor is legally allowed to seize your mortgaged property if you default on your payments. The foreclosure entry appears a month after the creditor starts the process and will remain on the report for an average of seven years. We can help you challenge a foreclosure and ensure it does not affect your credit score.

Bankruptcy Filings

Bankruptcy filings can assist you in discarding existing debts or finding a suitable method to repay your debts. It can be an alternative if you cannot pay your debts, but it will negatively affect your credit score. Declaring bankruptcy will reflect that you cannot handle debts, and creditors will be unwilling to extend your loans. Bankruptcy filings will remain on your report for 7-10 years. But we can help you challenge bankruptcy filings and help rebuild your credit score.

Civil Judgment

If a creditor has filed any lawsuit that requires you to pay any damages or debt, it can appear on your report for seven years. Hart Financial can help to challenge these judgments and ensure that your credit score remains good.

Credit Repair Plan


  • $50 Enrollment Fee
  • & 100/month
  • Free consultation credit repair services
  • Unlimited deletions
  • Secure and real-time credit monitoring
  • Customized dispute strategies
  • 24-hour professional support
  • Unlimited challenges to derogatory and erroneous items
  • Money-back guarantee (4 months)
  • No templates
  • Free credit analysis
  • Comprehensive credit audit

Credit Repair with Monthly Coaching Call


  • $150 Enrollment fee
  • 149/month
  • Free consultation services
  • Unlimited monthly call
  • Professional ways how to budget
  • Learn the best ways to earn more money
  • Budgeting tools
  • Credit card tracker
  • Cancel anytime
  • Credit building ebook
  • Top-rated credit repair strategies

Financial Coaching Consultation

Awesome! I can’t wait to get to know you and see how I can help bring more balance and joy to your life! Your future self is going to be so glad you took this step today. Let’s get going with achieving those goals!

Financial Coaching

1 Call: $97 per month

2 Calls: $197 per month

  • finance course,
  • determine financial goals and create a plan to achieve them,
  • set up tracking tool,
  • pay off debt, 50/30/20 rule,
  • money mindset,
  • learn about personal finance and how to make good money decisions,
  • explore ways to increase income,
  • learn how to make your money work for you,
  • drive behavior change by understanding how your money habits and financial life affects other areas of your life

Rebuilding Credit to Show Lender, you are Credit Worthy

Good credit can make making various financial decisions cost-effective and seamless. You will get easier approval for your mortgage and loan when you have good credit. You will also qualify for ideal interest rates and better terms. Our credit repair service will help clean up your credit report by eliminating negative items. Once all negative things are eliminated, your credit score will improve.

Your credit score dramatically impacts your life and will influence your accessibility to loans and your ability to secure future employment. Our Hart Financial experts help fight any inaccurate and harmful data on your report. We will help add positive information to your credit report. We have a customized and comprehensive approach that promises results.

/ Our Expertise

Hart financial Coaching program

“I intimately understand how finances can add to a person’s stress levels. I also know that it doesn’t have to be that way. I help people to manage their household finances in a way that gives them ease of mind.”


Successful Student

We would like to offer you a FREE Credit Consultation with a Professional Credit Analyst who will review your reports with you and get you set up on the path to a Better Credit Life.

How Do We Improve Your Financial Information?

Challenge any Negative Information

Late payment of debts or filing for bankruptcy will appear as negative information on your report. The data will appear as negative items even in some unfortunate circumstances, such as identity theft. The negative items will affect your ability to acquire credit and damage your credit score.

Identify any Inaccurate Data

Inaccurate data can significantly lower your credit score. We help to identify any errors and dispute them with the credit reporting bureau. Our experts are pretty proactive in identifying things such as:

  • Closed accounts that appear as open
  • Accounts that are wrongly reported as delinquent or closed
  • Incorrect dates in payments or account opening/closing
  • Similar debts listed multiple times
  • Accounts that have false balances or credit limit
  • Incorrect accounts


We assist all our clients in opening different lines of credit that will add positive data to the credit report. Our primary goal is to ensure that you have easy access to credit approvals.


Ensuring your finances are in order can be challenging. Experts at Hart Financial can help you build and maintain a great credit score.


We will help recover your credit report. Then we'll go over the specific details of your credit history with you and identify what items in your history are damaging your credit. We will also analyze your positive credit and explain how to optimize your report using techniques for paying bills and opening or closing credit. You are billed nothing until this is complete and you've decided to move forward with our service. Truly no obligation. Whether or not you sign up, Will bet you'll learn something.


Credit damage is only half of what influences your credit report. You need to build a balanced report by continuously generating new months of positive history. We will show you how

The federal law that governs the credit repair industry is called the Credit Repair Organizations Act (CROA). CROA prohibits certain practices including the following:

/ Testimonials

What My Clients Have to Say

“Working with Danielle has given me the clarity and accountability I needed to get my head out of the sand with my finances. The way I choose to spend my resources began to change as soon as we had our initial meeting and the follow-up has helped me create a plan to take charge of my financial life and create a spending plan that reflects my values. If you are looking to wake up and take charge of your money, Danielle is a great coach to partner with. She offers understanding and challenge to keep that growing edge, with creative strategies and solid resources. I highly recommend Hart Financial Coaching; you won’t be sorry.

“In general, I feel fairly competent in my finances, budgeting, and debt payoff plan. But when suddenly faced with prolonged unemployment and rapidly changing financial circumstances, Danielle was an immense help and comfort. She talked me through my current debt payoff plan and how to amend and suspend some things for the time being. She made me feel less panicked about depleting my emergency personal and business savings funds which I saved up in case of situations like this. I ended our conversation feeling like I had a plan and some immediate steps I could take to make the best of a difficult situation. Danielle is calm, compassionate, and gently funny, all helpful in this time!”

Frequently Asked Questions

The credit repair process is progressive, and you cannot achieve results in just one day. It is not a quick-fix solution, and you will need the integration of modern tools and expertise to give a positive outcome. You will start to note an improvement in your credit score within one month.

Your credit affects very many aspects of your life. When you have a poor credit score obtaining credit financing can be quite problematic. You will also find it immensely challenging securing future employment since you are deemed a credit risk. Credit repair plays a critical part in your life and will influence different areas of your life. 

Credit repair costs with Hart Financial will attract a monthly fee of $ 89 per month and an initial enrollment fee of $99. The prices are pretty affordable, and you will reap numerous benefits from an improved credit score.

You will have a real-time account where you can monitor the progress. Through the account, you can get 24 hours assistance and real-time updates.

We are the leading credit repair agency, and our effectiveness in delivering exceptional results is unmatched. The challenges we make are custom arguments and will guarantee that your credit problems are resolved within no time.

In rare circumstances, a creditor can re-report items that had been previously deleted. However, all credit bureaus are required by Fair Credit Reporting Act to inform you of those scenarios.

Derogatory marks are any negative items such as foreclosures, bankruptcy filings, late payments, and repossessions. The marks will remain on your report for seven years. We can help in disputing the negative items and requesting them be removed from the credit report.

Hard inquiries have negative impacts on your credit score. Removing them will help to better your credit score. We help analyze your reports and find the best strategy to help eliminate credit inquiries.

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