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We are here to Eliminate Bad Credit

Credit is a winnable game. Our main goal is to get you to the finish line.

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  • Knocking out the tough items.

  • Educating you for the future.

  • Creating endless possibilities.

“We want to build relationships for years to come.”

Maddie Johnson

Operations at Axx Financial

We exist to help families across America conquer their personal finances.

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Marketing Expert
Credit Counselor
with Axx Financial
Have a Counselor Review your Credit Outlook
(888) 314-1589

What problem are you trying to solve?

What if I dont have any credit? I have nothing negative to repair.2020-12-09T00:54:45+00:00

In many cases of clients with no credit at all, we recommend that they skip Step 2 of our processing and move straight on to Credit Building. This is not a bad thing at all! It just means we can get you to a desirable score just a little bit faster!

There is an account on my credit report that I didn’t even apply for, what do I do?2020-12-09T00:57:12+00:00

Well this could be a very serious matter. Identity fraud happens every day in America, and Axx Financial deals with these accounts all the time. On a lighter note, it could still just be a mistake by the creditor or a parent’s account that slipped to you by mistake. We can handle all of these!

I have really bad interest rates on my loans right now, how can I get better ones?2020-12-09T00:59:42+00:00

You most likely were given high interest rates based on your low credit score. While we are just credit counselors, we can only help to improve your credit score. However, when it is complete, we can refer you out to get these loans refinanced into better terms. This alone could save you hundreds per month.

How can I get good credit if no one will ever approve me?2020-12-09T01:02:43+00:00

Classic question. You are right, it is very hard to get unsecured loans and lines if you have no credit. However, it is easy to get approved for secured cards, credit builder accounts, gas station and purchase cards, and a few other items we can tell you about! Do well with those and you will prove credit worthy to the real lenders. Just speak with your counselor.

What credit score do I need to buy a house?2020-12-09T01:04:33+00:00

There is no exact answer for this, however, we recommend that you wait until your score is at the very least 650 – preferably over 700-750 to start house shopping! Your interest rate will thank you!

What is the FCRA?2020-12-09T01:06:18+00:00

The FCRA is the Fair Credit Reporting Act. It is a set of laws passed to protect consumers from unfair practices involving your credit and debt. This law is what gives you the ability to dispute any item you want!

Why is Credit Karma not recommended by my counselor for this program?2020-12-09T01:09:56+00:00

Credit Karma is an amazing tool, and we suggest everyone in America have their own account. However, you will find that your score can look different across all platforms, Credit Karma included. Credit Karma uses the Vantage Score 3.0 for their scoring methods. They also only have access to 2 of the 3 bureaus, which can create issues when we are dealing with your accounts. Experian is not integrated with Credit Karma, so if you decide to use this as your monitoring account, we will not be able to see items reported to Experian. On the upside, Credit Karma is free! So it is completely up to you.

Let’s Make Things Happen

Marketing Consultant Expert

Axx Financial

Credit Counselor
(888) 336-3143
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