Credit: The ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future.

The Key to Financial Success is in Your Hands

Credit affects every aspect of your life and you may not even know it. Credit has a profound impact on your ability to make purchases and save money. Buying a house or car, applying for a job, purchasing insurance or a cell phone, applying for a credit card, and even opening a checking account will require your credit to be checked.

Your credit score says more than you think....are you listening?

Lenders, landlords and potential employers get your credit history by obtaining your credit score from the three main national credit reporting bureaus such as TransUnion, Equifax, and Experian. These bureaus report on how well you pay your financial obligations back. Were you late? Did you default? Or, are you on time every month? But what is also important is that the information that these reporting bureaus have on file is correct. It is up to you to research and know if what is being reported is in fact accurate. If you detect a problem, it must be disputed and that could take a lot of time and knowledge to get through. Plus, once you finally get your credit restored, you need a financial plan to help you not fall back into the clutches of bad credit ever again. But don't worry, we can help you with this entire process.

We're Here to Help!

Heritage TRA is committed to fully addressing all areas of your financial health and we understand the importance of excellent credit. We have partnered with, a credit revitalization and funding company that helps our clients get their credit back on track. offers a variety of programs that focus on a number of critical issues in order to strengthen credit and maximize buying power. In doing this, it creates greater leverage with banks, lenders, and private funding organizations when borrowing money. They help boost credit scores, repair credit reports, and establish credit. will offer you their services even if your only goal is to become a more educated consumer about the complexities of credit.'s main responsibility is to help consumers and business owners create a road-map that leads to complete financial freedom. "It's not just identifying the problems," says Jerome Nelson, Senior Partner at "We want to provide specific solutions so each of our clients can successfully achieve their goals." "We guarantee results in less than 90 days or your money back," Nelson says.

If you are interested in learning more about how to improve your credit score, fill out the form below.

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For more information on repairing your credit, please fill out the form below.

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