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Rated 4.8 out of 5 Stars Based on 48 Google Reviews!

  • Kris Evans Avatar

    Highly Recommended Calling Credit World was one of the best decisions that I have made this year. Keith provided a step by step plan to follow, and my credit score went up over... read more

    Kris Evans
    Abra Kadabra Avatar

    Fixed Credit Issues. Mortgage Ready... Keith helped get my credit score to the highest I've had it in a very long time. I would recommend him to anyone trying to improve their credit. He is very... read more

    Abra Kadabra
    Maria Regalado Avatar

    Helpful First. Listen to issues. Then provide options He was very helpful!!! He was honest with my situation and referred me to get the help that I needed provided some documents at no cos

    Maria Regalado
    Javier Aguirre Avatar

    Free Consultation. No Hype, No BS, No Obligation.. Great place! I scheduled a free consultation and got all the information I needed in 5 minutes, and Keith was very nice and helpful with my questions, I feel much more confident... read more

    Javier Aguirre
  • Heidi Greasby Avatar

    Keith was Helpful! Keith was extremely helpful providing me with information to best help me and my credit. I completely recommend him.
    👍👍
    Thank you, Keith.

    Heidi Greasby
    Jason & Stacy Northey Avatar

    Credit Score was in the 400's Now a Homeowner We started with a credit score in the 400's. With Keith's advise and coaching we are now shopping mortgages and can buy vehicles with low rates. He was able to... read more

    Jason & Stacy Northey
    Carlos Rivera Avatar

    Boosted Credit Score, Bought a House I followed Keith's advise to a T. my score went from 560 to 685 in just a few months... i was able to purchase our home and investment property the same yr...... read more

    Carlos Rivera
    Steven Oates Avatar

    From Bad Credit to Re-Finance!! As an update. Credit score is now 811
    All I had to do is pay attention and pay my bills
    Kieth did all of the leg work and provided the guidance in the first...
    read more

    Steven Oates
  • Ron Reyer Avatar

    Needed a Mortgage. Wanted Some Help... While mortgage shopping on the Internet, I discovered that there were some issues affecting my credit score. Not totally understanding the reasons why, I called Credit World, and within an hour I... read more

    Ron Reyer
    Stephen Pesnell Avatar

    The Only Guy He Trusts... This Gentleman is passionate about his field and very intelligent when it comes to credit! The only guy i trust in AZ to tackle any credit related concerns! 🙂

    Stephen Pesnell
    Jeffrey Schmitt Avatar

    Keith Strikes Again! Great communicator, always available and got us GREAT results! Our credit is back on track thanks Keith and Credit World Financial Services. In fact, he did such a great job we are... read more

    Jeffrey Schmitt
    Savas Mak Avatar

    Turned Down for Re-Fi. Keith helped Savas get back on track! Keith is very straightforward about the whole credit repair process. He help me with my Credit situation, and he was there to answer my questions quickly via email and phone... read more

    Savas Mak
  • Stephanie Lovingood Avatar

    Amazing Experience It has been an amazing experience working with Keith. My credit score was not the best due to student loans falling into default when I moved overseas and as well as not... read more

    Stephanie Lovingood
    Bohica Ranch Avatar

    Credit Was in the 500's, Now 758 I asked Keith for help a couple of years ago. My credit score was in the 500s. I couldn't borrow a cup of sugar from anyone. Keith made recommendations... read more

    Bohica Ranch
    John Cornell Avatar

    Get Back On Track! Keith was a terrific help in getting my credit back on track. He has great follow thru and still is always available to answer questions and give advise. I Strongly recommend him... read more

    John Cornell
    Adam S Avatar

    Called Around Town, Got Real Help From Keith! The best phone call and service I have used so far, I have called at least 10 of these companies and got so tired of them pushing me in wrong directions because... read more

    Adam S

Rated 4.8 out of 5 Stars Based on 48 Google Reviews!

  • Steven Oates Avatar
    Steven Oates

    From Bad Credit to Re-Finance!! As an update. Credit score is now 811
    All I had to do is pay attention and pay my bills
    Kieth did all of the leg work and provided the guidance in the first...
    read more

    John Cornell Avatar
    John Cornell

    Get Back On Track! Keith was a terrific help in getting my credit back on track. He has great follow thru and still is always available to answer questions and give advise. I Strongly recommend him... read more

    Heidi Greasby Avatar
    Heidi Greasby

    Keith was Helpful! Keith was extremely helpful providing me with information to best help me and my credit. I completely recommend him.
    👍👍
    Thank you, Keith.

    Jeffrey Schmitt Avatar
    Jeffrey Schmitt

    Keith Strikes Again! Great communicator, always available and got us GREAT results! Our credit is back on track thanks Keith and Credit World Financial Services. In fact, he did such a great job we are... read more

  • Ron Reyer Avatar
    Ron Reyer

    Needed a Mortgage. Wanted Some Help... While mortgage shopping on the Internet, I discovered that there were some issues affecting my credit score. Not totally understanding the reasons why, I called Credit World, and within an hour I... read more

    Carlos Rivera Avatar
    Carlos Rivera

    Boosted Credit Score, Bought a House I followed Keith's advise to a T. my score went from 560 to 685 in just a few months... i was able to purchase our home and investment property the same yr...... read more

    terriandsteven Peña Avatar
    terriandsteven Peña

    Future Looking Good! I am absolutely excited about what my future looks like. Six month's ago my credit was as bad as it gets, buying a car was impossible and paying 24.6 % interest rate... read more

    Savas Mak Avatar
    Savas Mak

    Turned Down for Re-Fi. Keith helped Savas get back on track! Keith is very straightforward about the whole credit repair process. He help me with my Credit situation, and he was there to answer my questions quickly via email and phone... read more

  • Cheyenne Love Avatar
    Cheyenne Love

    Grateful for Help... I am extremely grateful to Keith for helping me. I was being sued by a law firm in regards to a charged off account. I was completely overwhelmed and Keith stepped in... read more

    Carol Lindsey Avatar
    Carol Lindsey

    Needed Help Getting Mortgage... When applying for a mortgage, I discovered that my credit score had gone from excellent to poor. The lender recommended that I use a professional to help me restore my credit... read more

    Bridogger6 Avatar
    Bridogger6

    No Cost Credit and Mortgage Preparation Consultation.. Unfortunately, Keith was not able to assist me directly. However, he was able to lead me to some good options considering my circumstances. We didn’t get overly in depth, but I can... read more

    Abra Kadabra Avatar
    Abra Kadabra

    Fixed Credit Issues. Mortgage Ready... Keith helped get my credit score to the highest I've had it in a very long time. I would recommend him to anyone trying to improve their credit. He is very... read more

  • Michael Calabretta Avatar
    Michael Calabretta

    Honest and Straight-Forward! Thank you Keith! What a great job you and your company did reconstructing my credit! From June to August, Keith was able to increase my score by almost 100 points. Keith was... read more

    Blake Jacks Avatar
    Blake Jacks

    Homeowner Had Credit Trouble. Not Any More Great Value!! Keith did exactly what he said he would and 6 months later I am buying a house!!! Thank you so much Keith for your help!!!!

    Kris Evans Avatar
    Kris Evans

    Highly Recommended Calling Credit World was one of the best decisions that I have made this year. Keith provided a step by step plan to follow, and my credit score went up over... read more

    Javier Aguirre Avatar
    Javier Aguirre

    Free Consultation. No Hype, No BS, No Obligation.. Great place! I scheduled a free consultation and got all the information I needed in 5 minutes, and Keith was very nice and helpful with my questions, I feel much more confident... read more

Our Services

Credit repair

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Debt relief

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bad credit mortgage

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identity theft

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CREDIT REPAIR in PHOENIX ARIZONA

Credit World Financial Services offers a no-cost, no-obligation Credit and Debt Consultation. Our primary focus is to identify the specific credit scoring and debt issues that need to be addressed. The goal is Credit Worthiness.

 

For those who want to fix credit and buy a house, Credit World is your one stop shop. First, we will create a step by step plan to help you achieve credit-worthiness. Second, we will guide you and help you every step of the way until you can apply for an auto or mortgage loan and get approved. Third, we will find you to the best mortgage terms available. Lastly, as with our network of licensed Real Estate Agents, we will help you find a house!

 

Remember, Bad Credit Happens To Good People .

 

The top 3 reasons everyday people have bad credit are:

  • Job Loss or Temporary Income Disruption
  • Medical Bills
  • Family Problems or Divorce
Bad Credit Does Not Mean You Are a Bad Person
 

Many look at the credit report like it is your permanent record, like a rap sheet, as if falling behind on your bills is a crime.

It is NOT a crime to have bad credit.

Let’s face it. It can be very difficult to restore your financial identity after you have endured months of economic turmoil.

In addition, as soon as you fall a little bit behind, the creditors start with their ruthless collection efforts, their outrageous fees and their hardball tactics. They want the money, all the money, and they want it now.

For Many People, Credit Reports Are Hard To Read and Harder to Understand.
 

Often times your credit report is incomplete and confusing. You will find:

  • Partial account numbers.
  • Addresses to places you have never lived.
  • Accounts that don’t belong to you.
  • Names, Social Security numbers, inquiries that are not yours.

Some of this information is the result of mistakes or a clerical error made by an employee of a credit union or financial institution. Some may have been put there deliberately. No matter what the reason, this information is hurting your credit score. Until you fix this, you will be stuck in an endless cycle of high interest, high fees, and continual credit rejection.

Bad Credit Can Be Overcome!
 

·        Challenge negative info on your report

·        Deal effectively with collection agencies

·        Re-establish credit, get your payments reporting

·        Coach, help, educate, and guide, you through the credit restoration process

Some clients have had bad credit for 20 years. Many have never owned a home. Some have paid 18% interest on a car. I am sure their credit was worse than yours. I am on your side. Hundreds of people have come to my office convinced that their credit was the worst on earth. They believed that nothing could be done. I helped them. Now they are buying the house they deserve. They are getting decent interest rates and terms. If I can help them, I can help you.

Your Credit Report is Filled With “Mistakes”, Negative Items That Are Inaccurate, Can’t Be Verified, or Were Put There Intentionally

 

Some mistakes in credit records are the result of sloppy data management on the part of the credit bureau. Other errors are not the fault of the credit bureau at all. There are times when inaccurate negative credit items are intentionally reported. Any of the following events can cause an error in your credit report:   Identity theft

  •   Variations in when credit data is received
  •   Confusion of your identity with that of another consumer
  •   Inaccurate reporting from a creditor
  •   Failure to show accounts as being closed
  •   Failure to show accounts that demonstrate a good payment history
  •   Deliberate reporting on false information by creditors and collection agencies
  •   Reporting the same negative item more than once
  •   Failing to report zero balance on paid negative accounts
  •   Discharged bankruptcy items that still report a negative, open status
Mistakes and Inaccuracies Are Common
  

These “mistakes,” as they are called, often times lower your credit score.

An error on your credit report can actually cost you money in the form of higher fees and interest rates on your loans and mortgages. Negative credit can even cost you a job. Over time, the cost of the higher interest rate can really add up. A mistake in your credit report could even cause you to be denied from receiving credit at all.

Have you ever noticed that these errors are never positive? Have your ever seen a mistake on your credit report that made your score higher? Why is that?

Because creditors and collection agencies and the credit bureaus profit from your bad credit– it can be difficult to recover from bad credit .

What If You Know That Your Negative Credit Did Happen? Can You Still Recover Your Credit Score?
 

The answer is YES! Just because you may have had difficulties with your bills in the past, that does not mean that every item on your credit report is accurate, verifiable, and in compliance with Federal Credit Reporting Regulations.

If you receive a traffic ticket, you can challenge that ticket. If there is no actual proof that you were speeding, the ticket is dropped. In the same way the creditors and collection agencies must be able to verify that the information reported to your credit report is both accurate and verifiable.

Also, a reputable credit rehabilitation company such as Credit World provides services far above and beyond simple Credit Repair. We can settle debts for a fraction of what you owe, help you re-establish your payment history with new lines of credit. We consult with you on an ongoing basis. We give you the credit help you need to fit your unique situation.

What About Those Credit Repair Scams?
 

Many quick fix Credit Repair Artists promise the world in 30 to 45 days. Big promises. No Results. Big Fees Upfront.

It only makes sense that if you have had credit trouble for 5, 10 years or more that it may take some time to work through your credit issues. At Credit World, we will evaluate your credit challenges and give you realistic time frames for restoring your credit. It may take 4 to 6 months. Maybe up to 12. Whether we help you or you find another way to fix your credit, it is going to take time.

You have to understand that there is nothing that my company or any other credit services company can do for you that you can’t do for yourself given enough time, trial, and error. The real reason to hire Credit World is to avoid the wasting 40 to 80 hours of your time and to avoid experimenting on your credit.

Financial rehabilitation is my full time job. We have the expertise to guide you through your current situation and achieve your goal of creditworthiness faster and more efficiently than you can on your own. Hiring Credit World makes sense in the same way taking your car to an experienced mechanic. I will get the job done right as quickly as possible.

Credit World Is Here To Help You, Whether You Sign Up For The Service Or Not!

 

It is easy to make big promises. It is difficult to produce great results. Schedule a No-Cost Consultation. I will give you the real facts about your credit profile. Where you stand. What we can do to help you. A realistic plan. Most Credit Repair Artists will try to push you into a program before you have all of the facts. Not Credit World. I have built a reputation on producing real results for our clients. Those results happen because I make certain that you fully understand what your credit report says, what it means, and what can be done to fix it.

What  Next?

Schedule a No-Cost Consultation. Get the facts you need and your questions answered.

Call me @ 602-288-8828 now. Schedule a no-cost, no-obligation, credit and financial profile review. We will access your free annual credit reports for you, detail your credit restoration options, and help find the solutions to get your credit house in order.

Call 602-288-8828. Don’t let your credit slip by any longer. This is important. This is for you.

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