Who We Are

Let's Talk

We have many years of experience in evaluating credit and guiding consumers to assert their legal rights. We do it every day! We guarantee honesty and dependability, virtues which most people seem to have forgotten. 

Credit repair firms cannot do anything that you couldn't do yourself, but we can help you to achieve results in  a fraction of the time without making costly errors. Thank you for your time and God Bless.

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Clean up your past

We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score.

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Track your present

Easy access to your account 24/7 for live status updates on improvements on your credit reports and scores.

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Change your future

We’ll maximize your score so you can achieve your goals and learn how to maintain your awesome credit long after our work is done.

Our Services

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Credit Consulting Services

A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness.

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Business Bookkeeping & Accounting Services

Create a plan of action to be debt-free and financially stable.

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Business Services

Ready to start your business? Here is everything you will need.

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Budgeting and Financial Services

Ready to start your business? Here is everything you will need.

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How it works

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We'll give you a free consultation and credit analysis

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While we use the law to challenge negative items on your report

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See Results

Log in to see real time progress every step of the way

We guarantee results
or your money back!

If you do not see any results after 90 days your last 30 days of service is free.

Schedule An Appointment

Get your free consultation
& credit analysis today!


  • I would advise everyone who is suffering from negative items on your credit report to use Let's Talk. I seen a huge difference and I will not stop using them until I am in the 800 club.

  • Let's Talk has made a huge difference in my credit score. They have removed over 56% of negative items off my credit report! It's worth your time and money to use this service.

  • Let's Talk customer service definitely get's an A+! The price they ask for is more than fair and I am pleased with my service.

  • After graduate school I was in a lot of debit. Paying bills on time wasn’t that important to me, so they’d pile up. I’d be 30, 60, and sometimes 90 days late. I really didn't think it was a big deal until I went to purchase a car. I was unable to get the car that I wanted and had to settle for something different with an extremely high interest rate. At that point I knew things had to change. I contacted Let's Talk and received a Credit Analysis. I quickly signed up because of the affordable rates. I am very satisfied wit the service I received and more credit score is definitely increasing. They were able to remove 8 negative items from my report.

  • After getting a divorce with 2 children to support, I was in a awful place. My credit score had sunk to an average of 416, with the lowest reported score among the three bureaus at just 320. Thanks to the staff at Let's Talk my score increased 60 points within 45 days!