Welcome to Extra Credit Coaching

Personalized Credit Coaching Services

Extra Credit Coaching is here to help you obtain the score you deserve.

What Extra Credit Coaching offers

Extra Credit Coaching Services include sending consistent challenges to the Bureaus and Creditors requesting removal of the items dragging on your score while providing coaching tips to improve your positive credit.
Your personal credit coach will send you a detailed Audit and Summary of changes to your Credit File monthly while providing steps to gain a qualifying credit score. Your coach is Extra supportive of your progress and offers practical ways you can reach your goal for a home loan qualification, refinancing, and more!

ABOUT US

Rebuild, Repair & Improve Your Credit Score!

Home Buyers

Extra Credit Coaching commits to helping people buy a home! We are extra passionate about credit and have years of experience helping clients build the credit they need to qualify for home loans.

We aren't done yet

Plus, Extra Credit suggests a suite of quality products to help get you there quickly and smoothly. Once you obtain your loan pre-approval Dallas and Ohana Style Realty will help you shop for your new home.

That is how we ensure your home buying success!

Ask about our Credit Buy Back Program to get your $1,000 at closing!

How does credit repair work?

Credit repair involves identifying inaccurate or unfair negative items on your credit report, disputing them with the credit bureaus, and working to have them removed or corrected. Our company specializes in navigating this process on your behalf, leveraging our expertise and resources to improve your credit profile.

How long does credit repair take?

The timeline for credit repair can vary depending on the complexity of your case and the responsiveness of the credit bureaus and creditors. While some disputes may be resolved quickly, others may take several months. Our team works diligently to expedite the process and achieve the best possible results in the shortest time frame possible.

Is credit repair legal?

Yes, credit repair is legal under the Fair Credit Reporting Act (FCRA). Consumers have the right to dispute inaccurate or incomplete information on their credit reports. Our company operates within the bounds of the law, adhering to ethical practices and guidelines to advocate for our clients' rights to fair and accurate credit reporting.

Do you offer credit coaching?

In addition to credit repair services, we offer personalized credit management coaching to help you understand and improve your credit habits. Our experts provide guidance on budgeting, debt management, establishing positive credit behaviors, and maximizing your credit score potential. Empowering our clients with financial education is an integral part of our approach to long-term credit wellness.

Credit Evaluation

Your credit coach will preform a full analysis to pin point what is affecting your credit.

Set a Goal

Your credit coach will formulate a plan of action to achieve your goals.

Get Results

We will continue to work with you and update you monthly until you obtain the score you deserve.

Credit Coaching Services

We provide a variety of services to help you achieve the score that you deserve.

Credit Coaching

Credit Monitoring

Credit Builder Cards

7 day Free Do it Yourself Guide

HOW WE WORK

How Our Credit Coaching and Restoration Works

Review Credit Reports

Together we review your Smart Credit 3B reports to discover what negative items may be affecting your score.

Fix or Dispute Errors

We dispute any negative or erroneous items on your report using the Fair Credit Reporting Act.

Pay Your Bills On Time

Paying your bills on time is 35% of how the credit bureaus determine your score.

Pay Down Outstanding

Best practice is to keep your credit utilization below 30% of your total credit limit.

Keep Old Cards

Never close accounts. A closed account will drop your score. When closing accounts you lose the positive history behind the account.

Watch the Progress

Follow our coaching advise while we help you dispute the negative items and watch your score rise to the score you deserve.

How Credit Restoration works

Discover how Credit Coaching and Restoration Works

Services

Choose the service that works best for you.

3B Credit Reports through Smart Credit

3 bureau credit reports

Real time credit monitoring

Money management tools

$1M Identity Theft Insurance

Credit Builder Card

Build positive lines of credit

Reports to the credit bureaus

Lowest initial deposit of $200

Low annual fee of $29

FREE 7 Day Credit Coaching

7 days of credit coaching

Access to order 3B reports

Access to credit builder card

Access to do it yourself E-book

WHY CHOOSE US

Benefits of a Better Credit Score and Restoration

Approval for Higher Limits

Good credit may help you qualify for
lower interest on credit cards. It may also help you get a higher credit limit on credit cards.
.

Qualify for Better Options

Have more housing options, landlords may check your credit history when you apply to rent. Good credit may also help you get a mortgage for a home.

More Negotiating Power

Get utility services more easily. Your credit may also be considered when you set up accounts for utilities like electricity or internet service.
Get a cell phone without prepaying or making a security deposit. If you have poor credit, some cell phone companies may require a security deposit or ask you to prepay when opening your account.

OUR TEAM

ASHLEY HIDALGO

Owner

DALLAS HIDALGO

Preferred Realtor

amanda bumbala

Credit Coach

TESTIMONIALS

Our Client Reviews

Not only was the service phenomenal when I was working with Dallas but my credit score went up over 100 points in the first month of doing all the things that Dallas told me to do. If you need help building your credit extra credit is the place you want to be!

Since working with Extra Credit my credit scores have been increasing. Every month I receive a report on what items are being removed as well as how much credit I have or have not been using. My goal is to stay under 30 % and I have been at 18% utilization which is helping my credit score to increase each month. Ashley has been great to work with and always answers by questions or concerns promptly.