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WELCOME to Your Healthy Credit Journey!

We want to Educate and Empower you in American Finance!

Let's START with Your Credit!

Your score is derived from five key factors :

Credit scores are one of the most confusing and misunderstood parts of personal finance. In simple terms, your credit score is a three-digit number based on your bill-paying history and debt profile along with statistical information about other borrowers. Lenders use this data to determine the likelihood of certain credit behaviors, including whether you will pay on time.

Once negative items get reported to any of the three major credit bureaus, they generally remain there for SEVEN years, with the exception of bankruptcy, which remains there for TEN years!

An accurate credit score can make the difference not only in interest rates charged on loans, but also on the availability and cost of insurance, an important essential for most families.

Here's What the Credit Bureaus WON'T TELL YOU!

None of these items need to be on your credit report! There is no legal requirement for any of these items to appear on your credit report. You have STATE and FEDERAL laws that protect your rights! We utilize these laws to help you improve your credit report.

Since there are no laws that require the credit bureaus to report any negative information on you -- with the exception of past due child support -- you may wonder why the bureaus often refuse to remove negative information. It is because that negative information is owned by the creditor or collection agency that reported it. These creditors and collectors are the CUSTOMERS of the credit bureau. So they have a monetary relationship with each other and their allegiance is with EACH OTHER not YOU!

TAXES  take about 1/3 of our Income! 

The IRS suggests that ALL Americans do a "Paycheck Checkup".  That is going over your W4 withholding using the Online Withholding Calculator on the IRS website or the Worksheet provided with the new W4 form.  A Paycheck Checkup can help you see if you’re withholding the right amount of tax from your paycheck.  The IRS reports that over 80% of Americans tend to Overpay their Taxes and those overages are given back as a "Refund".  Most people who do a "Paycheck Checkup" realize a Tax Savings and will take home a larger Paycheck!  Too little withholding could mean an unexpected tax bill or penalty!

INFLATION = "Silent Income Killer"

Inflation means an increase in the cost of living as the price of goods and services rise. It causes an approximate %3 loss in the value of your dollar each year!  How much was a gallon of milk 15 years ago?  How much is it now?  When inflation is too high of course, it is not good for the economy or individuals. Inflation will always reduce the value of money, unless interest rates are higher than inflation. And the higher inflation gets, the less chance there is that savers will see any real return on their money.  In order to combat this people use Savings and Investment accounts that yield an interest rate comparable or ahead of the Inflation rate.  These can be employer sponsored 401K plans, Traditional or ROTH IRA's, CD's, etc.  If you save your money by burying it in jars in your backyard or by stuffing it under your bed mattress, you will lose to inflation because the cost of living grows while the value of your money does not! In fact, you may still lose to inflation even if you save your money in a bank account or Certificate of Deposit (CD).

For example, the average historical rate of inflation is roughly 3.20%. Let's say you are feeling financially responsible and put your hard-earned cash into a CD, earning 2.00%, at the local bank. Doing some quick math, you can calculate the difference (3.20 - 2.00 = 1.40) and see that you are still losing to inflation by 1.20%.

The best way for most people to beat inflation and to achieve returns averaging more than 3.20%,  is to invest in some combination of stock and bond mutual funds.

DEBT "Social Ball and Chain"

Due to Taxes and Inflation most people use Loans to bridge the gap between what they earn and what they purchase.  Mortgage  loans, Auto loans, Student loans and Credit Cards make up majority of the Debt that American face. The "catch" is, Banks approve loans based on a person's Gross Income when that is not how much they have access to!  Most people (after taxes) live on approximately %65 of what they earn.  This leads to a cycle of debt that is hard for most people to get out of!


Entertainment costs play a huge role in the debt some people incur.  Vacations, dining out and leisure activities tend to eat away at our income as well! People like to spend time with their friends and family, and a lot of times will use credit cards to fund the occasion. 

It is so much easier to swipe a piece of plastic than it is to hand over your hard-earned cash. Sometimes we get so caught up in the convenience of credit cards that we do not realize how much we have charged until the bill comes at the end of the month.

How much did you spend on Holidays last year?


Did you know that 80 is the new 65?  Yup!  It's being reported that a lot of working Americans will have to work an additional 15 years beyond today's anticipated retirement age! WHEW!  When asked, most people can't tell you what they are doing NOW, to keep from meeting that reality!  It's a scary realization for  people because they aren't thinking about their life in retirement and how much they would need per month to maintain their standard of living.  A recent survey from GoBankingRates.com found over half of Americans have no more than $10,000 saved for retirement, and 1 in 3 have nothing saved at all. 


 As the American workplace turns away from pension plans, the onus is increasingly on workers to secure their own retirements. The fact is, though, relatively few succeed. According to thestreet.com, in 2019 a typical couple in the 56-to-61 age bracket without any retirement accounts had just $17,000 in savings. For many of us, that’s not enough to live for a year, let alone a whole retirement.

Are you maxing out contributions to your 401(k) or 403(b) if you have one, or, at the very least, saving enough to get the company match?

If you don’t have a plan through your job, or you’re fortunate enough to max out your plan each year, you can supplement your savings with an IRA or ROTH IRA. For 2019, you can contribute up to $6,000 a year to an IRA, or $7,000 if you’re age 50 or older.

INCOME Protection = Life Insurance

In the Financial Services industry, Life Insurance, is considered Income Protection.  The sad reality is that about half of Americans don't even have Life Insurance.  This can be a financial strain on the family of the person who dies.  They are left with Debt and the loss of Income that person brought in.  Wealth people use life insurance to protect their Assets in the event of their death. This keeps the family from liquidating valuables to offset final costs! This is where a lot of Middle to Lower Income people tend to make mistakes.  They don't consider the financial effect of their death on their loved ones when their gone.  Those that do, opt for the least amount of coverage, leaving little left to replace your missing income.  This usually leads to Debt, Bankruptcy or Foreclosure!

How WE Help Our Clients!

We offer two software programs designed to help each client achieve Financial Success in just about every area that would affect their finances.  Both programs cover Credit, Tax, Debt Elimination and Investment knowledge! 

The My Credit System by MyEcon includes the 750 Credit Plan with 26 step by step How To Repair Your Credit videos, 4 Rounds of Dispute Letter Templates and help you with re-establishing new credit via little known sources! It also includes a Debt Elimination Calculator to help you rush to Financial Freedom. An Investment Calculator to let you see how your money can grow and an Income Shifting video to show you how to Immediately Increase your Cashflow! 



This program gives you the Education and Tools to be your Own Financial Expert!

We understand that living in a "Microwave Society" that a lot of our clients really just want someone to do the work for them. That is why we offer the Financial Edge Membership by MWR Financial! This program gives you everything you need to Succeed like a Financial Expert, without having to become one! This Membership includes:


Money Max

Get Unlimited Financial Advice on Demand and receive UNLIMITED access to top rated CPA’s and CFP’s, without having to pay $125-$200 per hour!  They also show you how to Get an Instant Pay Raise!

Credit Max

Unlimited Personalized Disputes processed and sent on your behalf to assist with the correction or deletion of any information you believe is inaccurate, misleading, outdated, obsolete or that is no longer able to be verified.

Equity Max

EquityMAX system will show you how to pay off all of your debts, including your mortgage(s) in 1/2 to 1/3 of the time, or even less, without spending any more per month on your debt than you do right now! 

Wealth Max

Get Your Money Making Money For YOU!

Achieving time and financial freedom is based on your ability to get your money making more money for you.

Schedule a Financial Needs Analysis, TODAY!  Let US help You get on the right Track!

P.S. If you follow the systems in either one of these programs you WILL achieve Financial Success!

CHEERS to Your Healthy Credit Journey!