We are here to Eliminate Bad Credit
Credit is a winnable game. Our main goal is to get you to the finish line.
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.
Future Focused
If our service doesn’t help you years from now, then we aren’t satisfied.
One on One Management
Your own personal credit counselor from start to finish.
Extra Benefits
The only way we want to beat the other guys is to give you more and more and more.
Satisfaction Driven
We will not stop our work until your expectations have been met!
What problem are you trying to solve?
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!
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!
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.
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.
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!
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!
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.
