Credit Consulting

Happy Credit Care consulting is a service provided by professionals who specialize in helping our customers, establish, build, and manage their personal or business credit profiles. These consultants offer guidance and expertise to help businesses optimize their creditworthiness and navigate the complexities of business credit.

Here's what credit consulting typically involves:

• Credit Profile Evaluation:  We review credit reports, credit scores, and other relevant financial information to identify strengths, weaknesses, and areas for improvement.
  
  
• Credit Building Strategies:  Consultants develop customized strategies to help our customers businesses build and strengthen their business and personal credit. This may involve identifying appropriate credit opportunities, such as trade lines, business credit cards, and vendor relationships.
  
  
• Credit Reporting Agencies:  Happy Credit Care work with various business and personal credit reporting agencies (e.g., Dun & Bradstreet, Experian Business, Equifax Business) to ensure that accurate and up-to-date information is being reported. They may help correct errors or inaccuracies that could negatively impact a business's credit profile.
  
  
• Credit Utilization Management:  We provide guidance on managing credit utilization, which is the ratio of credit used to the total credit available. Proper management of credit utilization can positively impact a business's credit scores.
  
  
• Establishing Vendor Relationships:  We help our customers and businesses establish relationships with vendors and suppliers who report payment history to credit bureaus. Positive payment history with these vendors can contribute to a stronger credit profile.
  
  
• Credit Policy Development:  We assist in developing credit policies and procedures that help businesses make informed decisions about extending credit oor customers. This can reduce the risk of late payments and non-payment.
  
  
• Dispute Resolution:  If there are inaccuracies or discrepancies on a business's credit report, consultants can guide the business through the process of disputing and correcting these issues.
  
  
• Educational Workshops:  Many business credit consultants offer educational workshops or training sessions to help business owners and their teams understand the importance of business credit and how to manage it effectively.
   
  
• Monitoring Services:  Some consultants offer ongoing monitoring services to keep track of changes in a business's credit profile and provide timely updates and recommendations.
  
  
• Funding Opportunities:  We also help our customers businesses explore funding opportunities, such as loans and lines of credit, based on their improved credit profile.
  
  We can be particularly valuable for small businesses and startups that want to establish a strong credit foundation, as well as for established businesses seeking to optimize their creditworthiness for growth and financial stability. It's important to choose a reputable and experienced business credit consultant to ensure that the advice and strategies provided are tailored to the unique needs of your business.
  
  
  166 +
  Satisfied clients
  
  190 +
  Success of works
  
  
  
  "Happy Credit Care Changed my life after someone in my contact randomly sent me a random promotional text of Happy Credit Care. I decided to join right after reading the text message. Best descision I ever made in my life. Thumbs up."
  Robert Stern
  Customer
  
  "I hired Happy Credit Care to remove 33 Negative accounts of my mom's credit. Two weeks later they were able to remove all 32 negative items and 18 inquiries. I'm so excited for my mom. Highly recommended. Grest Job..."
  Terrance Valentines
  Customer
  
  "Choosing Happy Credit Care was a game-changer for me. Their efforts and strategic approach revitalized my credit score in no time. I'm truly impressed with their professionalism and commitment."
  Kevin White
  Customer
  
  "Thanks to the incredible work of Happy Credit Care, my credit score has soared to new heights. Their expertise and dedication are truly commendable. I'm now on a solid path towards financial success!"
  John Summers
  Customer
  
  "Before I was reffered to Happy Credit Care, I was having a hard time getting approved for an auto loan. A month and half later after signing up for thier services, I was finally able to get approved for my brand new car of my dreams."
  Jacob Mullen
  Customer
  
  "Thank you so much Happy Credit Care for helping me improve my credit. It took a little over 3 months to get my credit just where I needed it. Now I’m pre-approved for a mortgage and am currently house shopping!"
  Bryan Whitlock
  Customer
  
  "Happy Credit Care did a fantastic job on my credit, I had a very low credit score I couldn't get approved for any credit cards, which was very disappointing for me. I started Fixing my credit in March of 2023 and now my credit score is 700+.
  Tim Newton
  Customer