My Credit Guy is a full-service credit restoration firm helping clients across the United States qualify for mortgage, auto, and other types of financing. We address every aspect of the credit report in an effort to help our clients qualify for the best loan programs and interest rates possible. Our business model involves four steps for credit help.

Step 1

Start with your non-obligatory, FREE credit review with one of our highly trained, experienced team members.

Step 2

Receive a personalized game plan specifically designed to fix your credit and obtain your credit goals.

Step 3

Let’s get to work! The best part… My Credit Guy charges NO UPFRONT FEES to begin!


If you have bad credit, you understand the challenges you face as a result. However, have you ever really calculated the estimated amount of money that a poor credit score is costing you? You might be shocked to find out just how much it is — It saves you thousands of dollars to seek credit help as soon as you can!


Financial experts estimate that a less-than-perfect credit score can cost the average American tens of thousands of dollars over the years, since you’ll be paying higher interest rates on everything from mortgages to retail credit cards — if you can even obtain those things. One conservative estimate is that a lower credit score costs the average consumer $4,500-$6,000 per year or over $75,000 or more in a lifetime due to extra charges that are assessed simply because of your bad credit score. What does this mean for your bottom line? When it comes to mortgages, auto lending, credit cards and insurance, the higher your score, the lower the interest rate you’re going to pay. Seek credit help today to save you thousands in the long-run!

See These Two Examples

2016 Toyota Camry 66 Month Term

New Home 30 Years


It is not only your credit cards, mortgages, and other loans that are impacted by poor credit scores. A low credit score can also cost you more when it comes to your auto and home insurance. Insurers use credit scores as one of the key factors to determine what is known in their world as an insurance score. Some studies find that people with lower credit ratings file more claims, which obviously makes them higher-risk. Many theories have been tossed around as to why. One of the more popular theories is that low-credit-score individuals are more likely to defer important maintenance on their cars, homes, etc. The impact of credit scores on insurance rates can vary depending on the company and state you live in. Some insurers only use insurance scores for screening new customers, while others routinely check the credit of existing policyholders when it’s time to renew. Consumers can improve their chances of qualifying for the best premiums available to them by keeping their score in the mid 600’s or above. Working with a credit restoration agency is one of the best ways to improve your credit.