The credit industry can be a battlefield for those suffering from negative and derogatory credit scores. Many individuals have the disadvantage of higher interest rates, credit denials, and the inability to find experienced help to navigate through the bumps and bruises in this ever evolving economic world. We are here to help direct you to better credit living by engaging in a number of innovative, financial avenues to improve your credit score. We work with credit bureaus to challenge questionable account history and reports to give you the upper hand in gaining back financial freedom. We help our clients can save hundreds and thousands of dollars in interest, and leverage the best options to consolidate and reduce debt. We aren’t like other credit counseling providers. Our services include educational modules and resources to further aide in your credit recovering process. You don’t have to battle the credit industry alone. With our expert experience, we fight all the hard battles for you with our groundbreaking credit programs.  See what on your credit report—->Order Here.

“I’m so glad that I went to Hillcrest Financial, they really helped me repair my credit.  I had a lot of collection accounts due to a loss of job a few years back.  It took about 60 days, but my score jumped 180 points over the three credit bureaus!”

Jackie Haysmith, Salinas, CA

…another happy client:

” I cannot express my how happy I am we decided to go with Hillcrest Financial.  I had major credit challenges from medical illness that resulted in a foreclosure.  I cannot believe that Hillcrest Financial found discrepancies in the reporting and now that foreclosure is removed from my credit file in under 90 days!”

Rodney Villanova, Houston, Texas


As part of our exceptional services, we provide educational resources and tools to help you not only rebuild your credit, but to keep it. We keep you informed of the latest credit regulations, laws, and more so you are fully equipped and empowered through the myriad of obstacles in the credit world. We work with the top three credit bureaus Experian, Equifax, and Transunion to refute, question, and challenge anything which appears unverified or debatable on your credit report. We communicate with creditors to remove and push forward on your behalf any account mistakes to clear your history and repair credit scores. This enables our clients to secure lower interest rates for home and auto loans, or to finance other sizeable purchases. With our services, clients are able to refinance or secure a home loan faster than the typical wait period of 5-7 years.

We also help our clients understand the importance and meaning of FICO scores. Most clients are unaware of how important your FICO score is and how it is calculated. We walk you through payment history, amounts owed and more so you are fully knowledgeable about how the credit industry works. We have a full source of credit jargon to familiarize yourself with all the ins and outs of the credit bureau industry.

Contact us today for your free consultation and let us go to work to restore and repair your good credit rating. We are restoring lives, one credit report at a time!