I help hardworking people to rebuild their credit score, just like you. You’re working hard and trying to save, but your credit score is really killing your chances to have the American Dream. This is exactly why I created the Credit Concierge Service, so that we can reduce your risk, increase your opportunities and help you buy with confidence.

Do any of these sound familiar?

  • Sitting in a finance office on pins and needles awaiting their response
  • Nervous about not being able to buy presents for your kids at the holidays.
  • You’re only option for date night is a happy meal and happy feet on DVD
  • Living in your parents basement instead of in a bachelor/ette pad
  • You’re forced to brown bag it while your friends are heading to the new trendy place down the block

If you answered YES, to any of these questions you suffer from Bad Credit Stress Disorder or as I like to call it BCSD but you don’t have to. You can improve your credit and I can help you.

Imagine how good it will feel if you a borrower was no longer a slave to the lender because of your credit score. Dream with me for a minute.

What if…

  • you could pursue your dreams of furthering your education, starting your business, purchasing a home?
  • you were able to raise your credit score,  refinance your house for a better interest rate and pay it off your sooner
  • you could stop paying late fees and worrying about your family’s future, kids college education or planning for retirement?

Why does any of this matter?

Credit Affects Everything and you deserve the freedom to pursue your dreams without living in the shadow of bad credit. You want to provide a better future for you and your family. You deserve it and the people who need you deserve it.

The Credit Concierge will handle all the communication between you and the credit bureaus as we go in this journey to a better credit score that will give you the freedom to pursue your American Dream.

The Credit Concierge Service is a monthly membership that includes:

  • A partner by your side every step of the way to help you experience freedom of a better credit score.
  • Private Client Portal for communication as needed so that you always aware of your next step.
  • Live Status Updates so you can see the changes as they occur and the light at the end
  • Credit Education so you can get faster results, and maintain great credit after our work is done.

This is for you if…

  • You are too busy to work on your credit
  • You will do what is expected of you
  • You will implement immediately

This is not for you if…

  • You want to fix your credit own your own
  • You are not willing to do the work
  • You are not willing to listen

Imagine everytime you apply for credit they pull out the red carpet.

Investment: $299 Set Up Fee then $125 per month

Are you ready to stop being a slave to the lender?  Let’s chat.


Once I became a member of The Vault and started completing the exercises it made me take a long look at myself and I didn’t like it. But, it also gave me insight as to how to correct unhealthy behaviors.

Since working with Nefateria I have been able to pay off an account that I didn’t even realize was even close to being paid off. What I enjoyed most about working with Nefateria was her warm spirit. You will find that she is a good listener, always encouraging and never sitting in judgment of you. My breakthroughs through this journey was learning to recognize unhealthy behaviors and making baby steps to change those behaviors. You should know when you work with Nefateria she is living by what she teaches. A major change for me during this journey was I felt less stressed about my financial situation. In this program I meet my expectation of becoming a better steward of what God has blessed me with. So, much so I was able to bless someone financial and not worry or hurt about getting it back. I was surprised by the fact that with commitment and dedication you can move into your rightful place and become a lender and not the borrower. I would like anyone reading this to know that when you step back an examine yourself and ask God to reveal to you what he desire’s for you. You then will be able to apply the bible with the coaching. Just like the bible provides instruction, establishes guidance and wisdom for a better you. This program does the same! D. Johnson

Government Official

When I first started I wasn’t sure if I was really going to “find” money or if I could really be financially successful. Since we started working together I have not been shopping as much and have disciplined myself a lot. What I like most about working with Nefateria was her opinion.

You will find when you work with her, she is very open, honest, and genuine! She remained flexible throughout the process and was willing to work around my needs. Since my Personal Credit Concierge experience I have more faith in myself and my financial situation. One thing you should know about working with Nefateria is she genuinely wants people to succeed.

As I went through my coaching journey I saw changes in myself. I was able to build up my courage and my knowledge when it came to controlling my finances and getting out of debt. My only expectation I had was to at least to make back my investment, for the program. I did that plus more. One of my biggest surprises were I was able to survive on the money that I had saved, in my bank account.

Additionally, Nefateria gave me the courage to speak up and ask for the money that was owed to me. I also had the courage to apply for financial assistance for my hospital bills. Nefateria, thank you for all of your support and encouragement! Nezjma Smith

Fashion Merchandiser