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Got Denied For A Loan?

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Have you ever faced loan rejections? Have you encountered situations where the interest rates for car or home loans were unexpectedly exorbitant?

We Are Trusted


No Fraud Alerts

Filing false fraud alerts can be illegal in many jurisdictions. It may be considered a form of fraud or providing false information to credit reporting agencies, which could result in fines, penalties, or even criminal charges.

Real People. Real Reviews

Tiffany W.


I was skeptical at first about using a credit repair service, but New Beginnings came highly recommended by a friend. From the very beginning, I was impressed by their professionalism and dedication to their clients. They worked tirelessly to dispute errors on my credit report and negotiate with creditors, and as a result, my credit score has gone up by over 100 points!

Emily T.


I can't thank New Beginnings enough for helping me get my finances back on track. I was drowning in debt and had no idea where to turn, but they provided me with a clear plan of action and helped me stay motivated along the way. They truly care about their clients' success, and it shows in the results they deliver.

Dequan J.


I never thought I could dig myself out of the debt hole I was in, but JT made it happen. They were patient, knowledgeable, and always there to answer my questions. Thanks to their help, my credit score has improved significantly, and I'm on track to achieving my financial goals.

Michael J.


I had almost given up hope on repairing my credit until I found The Credit Experts. They took the time to understand my unique financial situation and created a personalized plan to help me improve my credit score. Their team was always available to answer my questions and provided me with regular updates on my progress. Thanks to their hard work and dedication, I now have a brighter financial future ahead of me.

Just a few of our results...

What you get when you sign up

Your own private secure portal
Informational credit tips & tricks emails
Progress review every month
Assistants that will answer your question
Flexible payment options at anytime
Complete required steps
Make sure you've signed up for Smartcredit using our link. It is only $4.99 the first month
Be ready at the scheduled time
Be sure that you can make it at the scheduled time, if you can't then let us know and we'll re-schedule.

During the appointment...

One-on-one report overview
While on the phone, JT will go over your report with you and help you understand what's going on
Understanding the process
After you understand what your credit report shows, he'll go over how we attack the bureaus
How much is it gonna cost?
Once we've gone over your report with you, we will give you your pricing. Our payments are flexible so we offer weekly, bi-weekly and monthly payments.

After the appointment...

Required documents
After the appointment, you will be required to send us your ID, SSN, and a Utility Bill.
Get your own secure portal
After you send documents, one of our team members will build out your portal for you. After they do, you will receive a text from them with the link including email & password.
Sign documents & add billing
Once in your portal you will be required to sign the required documents, as well as add billing. If this is neglected then your account will be terminated.
Ready to go!
After you have completed all required steps, you're now ready to get going! A member from our team will get your letters sent out asap.
What now?
Just trust the process! Credit repair can take a while, and not every report is the same. It's like a fingerprint, not everybody has the same one. We'll list below some things you can do while getting your credit fixed...
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