We are Surplus Financial Consultants

A nationally certified credit repair and personal finance company

Here at Surplus we understand the importance of a first time impression and the blessing of a second chance. In the financial world your credit report and score are your first impression. They have the power to cost you thousands and limit your access to the things you truly want in life.

When you choose to make us your credit experts we not only see you, but we see your legacy, our goal is to make you a champion for your family. If you are ready to make a change, live a life of purpose, passion, and financial freedom---then let us partner with you TODAY!
Get Started Today!


There are two things I have a love and hate relationship with: About Me sections, and networking events. I love them because it’s an opportunity to discover someone new, and to be exposed to another perspective. However I dread them because it clearly points out the POWER of a first impression. Did you know that it takes only 7 seconds to make a first time impression? Imagine that!

Did you also know that your credit score & report is your first impression in the financial world? Statistics show that 47% of employers will check your score while reviewing your job application. Out of that percentage many use it in consideration to management and executive positions.

This three- digit number can completely affect your livelihood.
This is why Surplus exist. My mission is to restore second chances to families through financial literacy and credit repair. I’ve learned the hard way the importance of credit and a solid personal finance foundation. My goal is to educate those commonly forgotten by the financial industry on how to be CHAMPIONS for their families.

Schedule Appointment Today!

The Benefits Of Working With Us

“Take your finances and credit to the next level”


Personalized financial coaching

Money Back Guarantee

Lower Interest Rates

Amazing Customer Service

Better Approval Rates

Real Results!

Live in Overflow


Credit is a key financial tool in your wealth building toolbox.

Bad Credit Is Expensive! Click to find out more!

Whether you live a primary ‘cash is KING’ life or not bad credit is expensive. Our goal is to educate you on how to maximize this tool while at the same time building a solid personal finance foundation. When you enroll you can expect your credit reports to be pulled in order to identify the negative accounts that we will be disputing.

A plan of action will then be put together and you will receive detailed instructions on
your roll in the process. Next, we will contact the bureaus and creditors to legally dispute on your behalf. You will be connected with the whole process through our secured client portal for your peace of mind.

The Law Protects You.

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    Laws that Protect You

    FCRA (Fair Credit Reporting Act)
    FCBA (Fair Credit Billing Act)
    TILA (Truth In Lending Act)
    FDCPA (Fair Debt Collection Practices Act)

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    What can be removed/repaired?

    Student Loans
    Collection Accounts
    Charge Offs
    Identity Theft
    Incorrect Personal Information
    Unauthorized Inquiries
    Medical Collections
    And more…….

How FICO Determines Your Score

Payment History

Amounts Owed

Length Of Credit History
New Credit
Types Of Credit Used

What Is A Credit Score?

A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. Credit scores range from 300-850. The higher your score is, the more likely you are to get a loan. The lower your score is, the less likely you are to get a loan. If you have a low credit score and you do manage to get approved for credit then your interest rate will be much higher than someone who had a good credit score and borrowed money. Therefore, having a high credit score can save many thousands of dollars over the life of your mortgage, auto loan, or credit card.

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    500-559 Very Poor

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    560-619 Poor

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    620-674 Fair

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    675-699 Good

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    700-719 Very Good

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    720-850 Excellent

Most Frequently Asked Questions

Is saving and building wealth important? Do you hate being denied access to a better job? Home? If your answer is YES to these questions than investing in credit repair is important. Whether you do it yourself or pay someone to do it the key is to invest in your future.
Can you build a website yourself? Bake a wedding cake? Create an amazing workout plan? What about grocery shop? These are just some of the things that you can do for yourself but choose sometimes to pay someone else to do on your behalf. If you have the time and knowledge to do this yourself, that’s great! But if you are like many who have too much on their plate already, you are paying for expertise, financial education, peace of mind, and an advocate that is on your side.
The reality is, most of our clients are enrolled in our program between 2 and 8 months. Our goal is to get everything taken care of as fast as possible, we believe in working with a spirit of excellence. The holdup will always be the bureaus and your creditors.
All of the packages are tailored to fit the needs of every single client. Being that every profile is not the same, we offer FREE consultations to everyone interested with the goal of educating you before selecting the package that fits your needs and budget.
YES! Your information and privacy are 100% secure because we receive your sensitive information through your client secured portal.
The reality of it is, Surplus Financial Consultants may not be a great fit for you, 25% of clients who seek our services don’t fit the requirements for our program. Requirements are discussed during our free consultation. Our goal is not to be another unnecessary bill but an investment into yourself and legacy. The heart of this business is to educate and empower so if in this season our services don’t fit you, or you’re just not ready to commit please join our mailing.
Let’s schedule a consultation in order to pick the package that best fits your needs and start off with the credit analysis. To be prepare for this call please download your free credit report via annualcreditreport.com. Please feel free to send via this email in advance.




Processing Fee
  • $89 Per Month
  • 24/7 Client Portal Access
  • Unlimited Disputing & Support
  • Detailed Report Analysis
  • Credit Education
  • Personalized Debt Repayment Plan
  • Budget Plan
  • Inquiry Assist
  • Initial Results in 30-45 days
Enroll Now!



One Time Fee
  • For My DIY Champions
  • Credit Builder
  • Personal Finance Foundation Builder
  • Accountability Group
  • Self-Directed Program
Coming Soon!

Our Office

By Appointment Only


Email: info@surplusfinancialconsultants.com | Fax: 1 (857)-301-6690


1 (877) 583-9328

Hours Of Operation

M-W 9am-5pm | Th-F 9am-6pm | Sa-Su Closed

Schedule With Us Today!