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!
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.
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
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.
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)
What can be removed/repaired?
Incorrect Personal Information
How FICO Determines Your Score
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.
500-559 Very Poor
700-719 Very Good
Most Frequently Asked Questions
By Appointment Only
Email: firstname.lastname@example.org | 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!