"You don't need to know everything about credit. you just need to know me!"

Brian Chamberlain
Credit and Credit Scoring Expert

Get The scores you need for the loan you want!

Our Credit and Credit Scoring Expert is dedicated to your journey. Some of our clients started in the low 500s, others in mid 700s… regardless of where you start, the end goal is the same: getting the scores you need for the loans you want.

Our Services

Lifetime Credit and Lending Tech Support

Get ongoing, personalized support for all your credit and lending needs — for life. Whether you’re rebuilding credit, applying for loans, disputing errors, or navigating financial tools, we’re here every step of the way. No more guessing, Googling, or going it alone — just real answers, real-time help, and long-term support.

Auto and Home Loan Finding

When it comes to major purchases like a car or home, it’s important to get it right the first time. We help you find the best loan options tailored to your credit and budget — and that means real savings. Our clients typically save at least 0.25% in mortgage interest, over $500 at closing, and at least 0.50% in auto loan interest, plus $500 or more off the purchase price of their vehicle. Whether it’s your first home or your next car, we make the process simple, smart, and built to save you money.

Let's Get Started!

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Read What Some of Our Clients Have To Say

Don't Just Take Our Word For It

On January 14th, 2023, we hired Brian. We were legitimate identity theft victims in 2020. Not once were we ever given good advice. Having found our dream home, we decided to try to settle our bad debt. Brian was referred to us by our lender; he stepped in and quickly formulated a plan. Step one was to stop paying the credit repair company we have used for the last 2 years. Step 2 Brian settled $61,000 in charged off credit cards for just over $10,000. Then Brian got several of the accounts we settled deleted. We closed on our dream home on March 14, 2023, 60 days after we hired Brian. Our scores went from sub 540 to over 620. Mission accomplished. Thank you, Brian.

Adrian and Katrina A

My middle score was 596 now it is a 680. I bought my dream home and my dream pickup truck. My bank told me they would have charged me 19% on my truck loan with my old scores. I got my truck loan at 4%. I saved $187.90 per month for the next 60 months on interest to my truck loan. That equals over $11,000 I saved in interest and I don’t pay rent anymore. W. Ayers I met Brian through the landlord of the last house we rented. Mine and my wife’s credit scores were 530-560. Brian absolutely went above and beyond calling collectors with me and negotiating settlements, making payment arrangements and demanding the collectors remove the entries from our reports upon payment. After hiring Brian, our scores went to 650-680. We bought our first house after 18 years of marriage. The man knows his stuff. I recommend Brian over and over. I know of one friend who hired him as well off my recommendation. This isn’t a one sided deal mind you. You have to commit to paying these debts on your credit report. Brian will help you decide when and where your money should go. Listen to him. Brian will show you the way…

Lee and Jennifer B

I have worked with Brian regularly since 2018. He has helped me on several difficult, score-challenged loans. He returns my clients back to me quickly and with higher credit scores. The loans Brian helps me close would not have closed otherwise.

Michael S.

I own a mortgage company in New Jersey. I do conforming and non-conforming loans. I have used Brian since 2018. Here is what I tell my clients when I refer them to Brian – He is good at what he does; he does what he says he can do, and if you listen to him, you will quickly have the scores you need to close your loan.

Joe P. Northstar Funding

I hired Brian on 11/8/24; my middle score was 664. Ten days later, two settled and deleted collections and one resolved credit management issue, and my new middle score was 742. I will be closing on 11/22/24 with the best rate and reduced fees.

Grady B.

I own a very successful business. When I started with Brian, my score was 547 after a series of surgeries. He settled several large collections for me and helped me get the credit-building accounts I needed. In a matter of months, I closed on my house with a 752 middle score. Since then, I have gotten a large unsecured line of credit at my bank and bought rental properties at 100% LTV. I use my line of credit and not my savings.

K. Wallace

Realtors...

Our Credit and Credit Scoring Expert can help you close five new sales per quarter. For over two decades, he has worked with sellers who would sell if they could buy and people who could buy with a little help. Let’s talk.