Self Credit Repair

Licensed Bonded Insured

All credit from the lowest to the highest score. 

Fico Score

What Is a FICO Score?

A FICO score is a type of credit score created by the Fair Isaac Corporation. Lenders use borrowers' FICO scores along with other details on borrowers' credit report 
to assess credit risk and determine whether to extend credit.
FICO scores take into account various factors in five areas to determine creditworthiness: payment history, current level of indebtedness, types of credit used, length of credit history, and new credit

FICO scores range from 300 to 850, where 850 is considered to be the best score 

More banks and lenders use FICO to make credit decisions than any other scoring or reporting model. Although borrowers can explain negative items in their credit report, the fact remains that having a low FICO score is a deal-breaker with numerous lenders.

Credit Bureau

There are three major credit agencies. The fourth one is a collective of 22 smaller reporting companies. 

I know these agencies can be intimidating; however, be not discouraged. The agencies are private own companies. They are not government institutions and we know exactly how to tear down all their barriers.

In this course we will cover and repair ALL reported information on

  • Experian
  • Equifax
  • Trans union 

Why Should I Repair My Credit

The question shouldn't be why! The question should be why not? 

Getting a loan, financing, lease, and even a job will be determined by your credit score. 

Insurance companies, banks, credit unions, are not approving many applicants because of their credit history. 

Imagine being charged the highest monthly rate for auto insurance because of your personal credit history. 

Your neighbors home could be worth less than yours; however, you will pay three times as much for your mortgage. 

Let's look at this scenario:

Sarah is a 25 year old college graduate. She has been employed for 2 years with the same company.

Sarah is making $30,000.00 a year. She has $20,000.00 in savings, and $12,000.00 in her checking account. 

Sarah has a CD with a few funds and a IRA with $4,000.00 in her account. 

Sarah's credit score is 534. Unfortunately,  Sarah did not have medical insurance and sadly had a few late payments. 

Sarah did not have any student debt because she attended college on a scholarship. 

Sarah also had a few lay payments on her car note which is $299.00 Monthly! 

Sarah is turned down by 3 lenders for a mortgage loan on her greatly anticipated condo! 

After exhausting leads and receiving more inquiries on her report, Sarah was approved for a loan. 

The loan was high and she ended up paying double at %14 Interest Rate. Normally a condo interest rate will be more expensive  than a house, especially if it's in a high rise building. 

Sarah paid more due to her fico score and history on her credit reports! With a credit score and all debt erased her interest rate would of been in the low 3.04 - 6.06% area. 

To wrap this up...Sarah ended up paying around $1790.00 a month vs $800.00 due to her awful credit! 

Don't be like Sarah!

Erase all debt immediately!

Repair Credit

Personal and business debt can cause emotional, financial, and physical strain. We specialize in Trauma Recovery. As Counselors, Life Coaches, and Survivors we understand the importance in eliminating debt!

False, inaccurate, overcharges, and out dated, information is reported daily.

In this course you will learn the important and only steps to repair your credit. You will download templates, follow the directions precisely, utilize every wording verbatim, and repair your credit.


This course is straight forward, pre-recorded, and accessible on all smart devices. You will be instructed in order with no reservations. Take a quick glance at what you will learn.

  • Length Of Credit
  • Credit History
  • Delinquencies 
  • Inquiries
  • Erase all debt
  • Derogatory Marks
  • Open & Closed Accounts
  • Summary
  • All Personal Information

    The above photo is one example from our mini workshop! Repairing your credit is the beginning of your future. This is what we call pocket change. We have financial webinars biweekly and we help shape lives from the inside out!

    Follow us on our Web page, YouTube, Instagram, and Facebook for upcoming webinars and learn the right steps to become wealthy with out guilt!


    We have made the enrolling process simple! Click the enroll now button, the fee is affordable at $39.00 USD. Sign up with your e-mail. Start your 3 hour course! 

    Grab a snack, drink, pen, paper, and write down your pass word! Follow every detail verbatim, with out detouring. Please do not go off path it’s imperative that you follow detailed information. 

    If you have any questions, comments, or 5 star reviews please comment and contact us! 

    Refer to our home page and view all the amazing courses!

    All sales are final. This is a three hour course. Contact us for further assistance!

    New Enrollment
    Removing All Debt
    Forms/ Report
    Final Quiz

    Frequently Asked Questions

    I still have a question, how can I contact you?

    I'd be happy to answer any questions you might have. Send me an email at


    Google Reviews...

    Nice Job Reviews...

    Facebook Reviews...

    E-mailed & Comment Reviews...

    I was afraid of rejection to apply for credit cards. Now my record is in good standing.

    gracias senorita

    "Maria Gomez"

    • My wife left me and I was suicidal. Tracy helped me cope, Six months in and I am happy, divorced, back in the gym and my finances are great"

      — Bobby J e-mail
    • I am happy and She helped me get through my dark space in life.

      — Joe Fullift Facebook
    • Tracy is amazing. She came into my life when I had no car, my fiancé at the time was in rehab, and I didn't. know what to do with my life. Just talking to her has completely changed me for the better. I finally know my worth. She has guided me with God's help down the right path!

      — Cassie Davis Facebook
    • Thank you Tracy Parente for helping clear up all my student loans! I was able to purchase a new pick up truck and I was approved for two credit cards. This is a great running for the New Years! Thank you Ma'am!

      — Antonio S
    • My FICO score was at 360. I had major credit card debt and a repossession. My repossesion was from 11 years ago. The lender kept reselling my debt. With Tracy's accurate instructions I was able to clear it all up in 12 business days; however, it took me 5 weeks. Mines too extra time because I called the lender. She told me not to. I should have listened. It took me a total of 5 weeks. My advice is to follow all her instructions so it's done right the first time! Thank you again Tracy.

      — Anonymous (ON GOING CLIENT) E-MAIL
    • If I could give you 100 stars I would. You are fantastic and amazing! My report is clean and my score is rocking! 550 is where I started and now I'm at 800. Thank you dear for this course. I recommend to all! Shot out from Wisconsin

      — Abigaile
    • I am satisfied completely. Appreciate your help. Good day.

      — Robert Giovanni
    • 🌟 🌟 🌟 🌟 🌟 🌟 Everything worked accordingly. Now I can borrow money to finance my son's HVAC schooling. Blessed! Thank you!

      — Mrs. Sharie H.
    • I was skeptical at first because I tried a credit repair agency prior. I'm glad I tried this. I seen the ad on Instagram. She's 100% honest. She is blunt, straightforward and will tell you to do exactly as she says! I'm not use to a woman bossing me around! I'm glad she did! Thank you Mrs. Parente you saved me from debt!

      — John Paul Woodard Jr.
    • 🌟 🌟 🌟 🌟 🌟Thank you for all your help. My score has rose from 508 to 811 in a total of 3 weeks.

      — Cantrell Jacobs
    • 🌟 🌟 🌟 🌟 🌟I am unsure what I would of done with out your course. There is no way I could afford to pay someone to do the service. Thank you. I am satisfied.

      — Anonymous
    • 🌟 🌟 🌟 🌟 🌟All those hard inquiries are off my report. I can't believe it. It held my score down to 424 now it's a 705 after 14 days. I still see items rolling off every week. Now on the 19th day it's 786. So I know it will be over 800 in the next 2 weeks. Thank you Tracy. Thank you for accepting all my calls because I got confused. Although you are direct I still got confused! I see exactly what you mean now. I see the Patten and instructions! Thanks a million!

      — Ebony L
    • 🌟 🌟 🌟 🌟 🌟Good deal! I'm not complaining. Get the course fix your credit.

      — Micheal P
    • 🌟 🌟 🌟 🌟 🌟Amazing course

      — Fantay G
    • 🌟 🌟 🌟 🌟 🌟

      — Alicia Turner
    • 🌟 🌟 🌟 🌟 🌟All I can say is yippee!!! Thank you Tracy Parente Life Coach!!!!! I feel normal again.

      — Marissa N
    • 🌟 🌟 🌟 🌟 🌟I wish I had the promotion! I paid the $59 45 days ago! I'm pulling your leg Tracy! Thank you my score went from 513 to 800 all in 14 days! I'm ready to really build my credit now.

      — Timothy B W
    • 🌟 🌟 🌟 🌟 🌟I will state this! Once your credit clean, it's clean! Go back and get the development course. It will teach you how to apply for the correct cards that won't hurt with inquiries. .My report was the worse. It's the best now. 400 to 805.

      — Isaiah M
    • 🌟 🌟 🌟 🌟 🌟I just bought a new car. My score went from a 389 all the way up to 781 in 7 days. On the 28th day it went to 825. I have a car loan its now 805 . I'm satisfied. Thank you very much.

      — Gloria k
    • 🌟 🌟 🌟 🌟 🌟Life was hard for me. You came along at the right time. My credit is fixed and my you fixed mu business credit on the side. Thank you! Every extra $$$ for that was well spent. You're a cool counselor.

      — Nicole S
    • 🌟 🌟 🌟 🌟 🌟No problems here. Everything went according. Great mini course.

      — David D
    • 🌟 🌟 🌟 🌟 🌟Easy mini course worth even more. My credit is 100% restored. I got approved for a 20k Visa and I'm responsible now. Also you helped me get rid of inaccurate information. Thanks chief!

      — Lawrence Y
    • 🌟 🌟 🌟 🌟 🌟Mrs. Parente, Your course is the real deal. Satisfied customer/student and I have sent you 12 people. Thanks for the free life coaching session. You do give perks! Now I'm investing! I will have you around for ever! My life has changed.

      — Miranda Y
    • 🌟 🌟 🌟 🌟 🌟Proud moment I finally finished the few steps 2 weeks ago. Wow! Impressed score was 490 and Now its 802. I just booked a private session with her. She will be my life Coach because she's about business.

      — Sheila Z
    • 🌟 🌟 🌟 🌟 🌟It worked! I'm out the woods thanks to Tracy's self repair. Good course.

      — Gerold K
    • 🌟 🌟 🌟 🌟 🌟I didn't think it would work. Why not try it. I thought okay $59 bucs. What do I have to lose. Best investment ever.

      — Basildon HHW
    • 🌟 🌟 🌟 🌟 🌟I want to thank you Mrs. Tracy for helping me with my finances! This is a unique course. It's easy and the exact steps to take.

      — Elizabeth Q
    • 🌟 🌟 🌟 🌟 🌟Good Course!

      — Tonya Annete J
    • 🌟 🌟 🌟 🌟 🌟This class is easy and factual. Thanks.

      — Matthew Sweeney
    • 🌟 🌟 🌟 🌟 🌟My boss told me about this course. All six of us in the office took it. All six of us are happy with out results! Fico scores were at 350, 497, 505, 564, 598, 623 Now the Fico scores are, 800, 805, 809 813, 815, 820

      — The NE CALL Center
    • 🌟 🌟 🌟 🌟 🌟My score is high and student loan is off

      — Aiesha U
    • 🌟 🌟 🌟 🌟 🌟Your class is wonderful. I am squared away. Thanks much.

      — Gladys
    • 🌟 🌟 🌟 🌟 🌟Tracy my wife and I appreciate your help. The mini course is set up perfectly. We have our results. Great news. All fraud and inaccurate INFORMATION, all the incorrect marks as well. We are in the 800's now. I sent you tip nice bonus! Thanks kid!

      — Edward Sr.
    • 🌟 🌟 🌟 🌟 🌟I love the class. It was in order, easy, and affordable.

      — Yolanda Woodered
    • 🌟 🌟 🌟 🌟 🌟Us Tracy's are amazing! I met you at Target in Charlotte. You told me about your course in 3 changing moment. I'm back in action. Fico score is above 800.

      — Tracy A
    • 🌟 🌟 🌟 🌟 🌟 My Score went up to 815 from 500 in 12 days. I applied for phone from Verizon one week after I finished the course. They just reported to my CREDIT Report. Now it's at 780 with one hard inquiry. Not too shabby. I am scheduling regular sessions with you. I need help with my life.

      — Abram F
    • 🌟 🌟 🌟 🌟 🌟Proud camper... Awesome mini class

      — Austin Yates
    • 🌟 🌟 🌟 🌟 🌟I have been eagerly waiting to post my results. It took 5 weeks because I had more inquiries coming in. The course saved my life. I went from 452 455 503 to 819. Now I got approved for a $10,000.00 credit card and I am attending the second webinar to learn how to invest. This credit card couldn't have came at a better time. I need gas just to go to work. Corona Virus hit the economy hard.

      — Jenny M.
    • 🌟 🌟 🌟 🌟 🌟This was a great course. All my debt was removed. I also noticed that someone else had a car in my name??? That is squared away and now I cant prepare to buy a home. We are fixing my boyfriends credit now.

      — Angie Cahoon
    • 🌟 🌟 🌟 🌟 🌟I am satisfied. My score went from 500 up the 822 I am now able to sleep at night

      — King J
    • 🌟 🌟 🌟 🌟 🌟Good course

      — Micheal Williams
    • 🌟 🌟 🌟 🌟 🌟Student loans erased!!!! Credit score was 401 379 and 413 Experian was the lowest. Now my score is 790 815 and 805. I need to rebuild my credit now. I am registered for the credit restoration course. Thank you Miss Tracy for your help.

      — Shaniya L
    • 🌟 🌟 🌟 🌟 🌟I'm proudly announcing that it took me 12 days!!! Only 12 and Now my credit reports are clean.

      — Rodney S
    • 🌟 🌟 🌟 🌟 🌟I called for help because I don't have patience. Sherry helped me! Thank you. All three credit reports are repaired. Thank you very much.

      — Kay C.
    • 🌟 🌟 🌟 🌟 🌟Tracy helped me with my business credit as well. It all worked up perfectly.

      — Jonesha Lane
    • 🌟 🌟 🌟 🌟 🌟 more hard inquiries. Everything was removed.

      — Keven Y.
    • 🌟 🌟 🌟 🌟 🌟I'm kicking myself like why didn't I do this 5 years ago! Everything was deleted. I have a fresh start.

      — Sarah Q.
    • 🌟 🌟 🌟 🌟 🌟This training took about 2 hrs and it was good information. My credit is clear.

      — Tricia T.
    • 🌟 🌟 🌟 🌟 🌟These ladies are the best. Tracy runs a great firm. I will send you as many clients as I possibly can.

      — Paul V.

    "I am satisfied 100% my score raised to 790 in 12 business days. Then I checked on the 16th business day and it was 835!!! 

    Thank you Mrs. Tracy! I am enrolling in your full Credit Finance class next week. "

    Ashley Juisha

    🌟 🌟 🌟 🌟 🌟Elated I was at a 508 now I checked!!! 21 days later i'm over 800!  My Trans union score would not populate. After I switched browsers my phone died. I checked back and it was 801. I will wait another 2 weeks and when I get paid I will take your personal development course. Thank you!

    Julisa C.