Platinum Credit NOW Services
Do-It-Yourself
FREE DIY Credit Acorn
Take control of your credit journey with DIY Credit Acorn, an empowering, user-friendly platform designed to help you understand, improve, and monitor your credit. Whether you’re working toward financial independence or preparing for major life goals like buying a home or starting a business, DIY Credit Acorn provides the tools and resources you need to succeed—all at your fingertips.
FREE with SmartCredit credit monitoring for just $34.99/month (cancel anytime, no hassle), you get access to powerful tools and resources designed to help you confidently take control of your credit journey.
Features:
Easy-to-Follow Guidance: Step-by-step instructions to help you navigate the credit dispute process confidently.
Educational Resources: Learn about credit, finances, and strategies to maintain a healthy credit score for the long term.
Credit Building Resources: Get credit building resources all at your fingertips on our Credit Acorn’s website.
DIY Credit Acorn gives you the power to take control of your financial future without the need for expensive services or lengthy commitments. Start building the credit you deserve today!
Do-It-With-You
$150 Setup/Initial Plan Fee
$119/month*
Get the best of both worlds with our Do-It-With-You Credit Acorn Program, designed to empower you with DIY tools while providing expert guidance to ensure your success. Whether you’re repairing your credit, preparing for a big financial milestone, or just want professional support every step of the way, this program offers the perfect blend of independence and expertise.
FEATURES:
Easy-to-Follow Guidance: Step-by-step instructions to help you navigate the credit dispute process confidently.
Educational Resources: Learn about credit, finances, and strategies to maintain a healthy credit score for the long term.
Credit Building Resources: Get credit building resources all at your fingertips on our Credit Acorn’s website.
Personalized Credit Action Plan: Receive a detailed, customized roadmap created specifically for your unique financial situation and goals.
Monthly Updates: Stay on track with regular progress reports and action plan adjustments to keep you moving toward your credit improvement goals.
Expert Support: Work alongside a dedicated credit expert who’s available to answer questions, provide insights, and guide you through challenges.
Secure Client Portal Access: Easily manage your credit journey with a private, secure portal for updates, resources, and communication.
Unlimited online communication with a credit coach through a secure portal: Stay connected with your credit coach anytime through secure, online messaging for guidance and support.
The Do-It-With-You Credit Acorn Program is perfect for individuals who want the flexibility of a DIY approach but value the added support of a professional. Together, we’ll build the credit you deserve and help you achieve financial freedom.
*Must set up Credit Acorn: www.creditacorn.com
Do-It-For-You
$150 Setup/Initial Plan Fee
$139/month*
Sit back and let the experts handle your credit improvement journey! With our Do-It-For-You Program, we take care of every step—from creating a personalized action plan to managing disputes and updates—so you can focus on your goals while we work to build the credit you deserve.
FEATURES:
Easy-to-Follow Guidance: Step-by-step instructions to help you navigate the credit dispute process confidently.
Educational Resources: Learn about credit, finances, and strategies to maintain a healthy credit score for the long term.
Credit Building Resources: Get credit building resources all at your fingertips on our Credit Acorn’s website.
Personalized Credit Action Plan: Receive a detailed, customized roadmap created specifically for your unique financial situation and goals.
Monthly Updates: Stay on track with regular progress reports and action plan adjustments to keep you moving toward your credit improvement goals.
Expert Support: Work alongside a dedicated credit expert who’s available to answer questions, provide insights, and guide you through challenges.
Secure Client Portal Access: Easily manage your credit journey with a private, secure portal for updates, resources, and communication.
Unlimited online communication with a credit coach through a secure portal: Stay connected with your credit coach anytime through secure, online messaging for guidance and support.
Unlimited telephone support: Get personalized assistance whenever you need it with unlimited access to a credit coach by phone.
Home loan preparation: Receive expert advice and actionable steps to prepare your credit for mortgage approval and homeownership.
The Money Game / Budgeting: Transform your finances with a personalized review of your situation. We'll create a tailored strategy to help you save money, lower your debt-to-income (DTI) ratio, and pay off debt faster, setting you up for long-term financial success.
The Do-It-For-You Program is perfect for busy professionals, first-time homebuyers, or anyone feeling overwhelmed by credit challenges. Whether you're preparing for a major financial milestone or want a hands-off approach to improving your credit, this program lets experienced professionals handle it all so you can focus on your goals.
*Must set up Credit Acorn: www.creditacorn.com
Areas of Expertise
Credit education
In the ever-changing world of credit, our coaches keep up-to-date with the newest information regarding credit and how the information reporting on your credit report will affect your credit score and hence your ability to get approved for credit. Dealing with credit is not always common sense, but our coaches know how to manage the complexities of the different credit algorithms. We take pride in clearly, explaining and navigating the often foggy landscape of credit and how it affects your credit score.
STUDENT LOAN MANAGEMENT
Student loans have been a major financial issue for individuals all across the nation, but most people don’t realize the devastating effects they can have on credit. As a matter of fact, most people don’t even realize the magnitude of its effects on their finances. If you have student loan debt we will help you understand how to best manage this debt, this may involve consolidating debt, paying interest-only payments during deferment periods, and applying for forgiveness programs. Don’t just assume you know how to manage student loan debt, instead let our coaches educate you and help you manage them in the best manner possible.
Foreclosure prevention
Maintaining the integrity of your public image is an inseparable part of human nature. We at Platinum Credit NOW understand that going through a foreclosure is not just a private struggle, but can very fast become public knowledge exasperating the problem. Our coaches can review your situation and investigate your options to prevent a foreclosure. We work quickly and diligently to devise and execute a plan to save your home.
establishing credit
Establishing credit is an important part of having an excellent credit rating, in fact, lenders require active and open tradelines to determine your creditworthiness. Most lenders today are looking for at least three tradelines and like to see at least 12 months of established credit. Credit can be hard to establish if you have had a rough past or if you have never established credit, but this is where our diligence to align with resources comes in handy. We are here to provide you with the resources for the best ways to establish credit, maintain credit, and use credit wisely.
Home loan preparation
We understand that many of our clients have major credit goals and one of them is oftentimes buying their first home credit is a huge part of making that a reality. However, don’t make the mistake that working with a credit repair company and disputing items on your credit will prepare you to be get qualified for a home loan. You need a credit coach that has several years of experience as a loan officer. At Platinum Credit NOW our coaches have been trained by a home loan specialist to look at credit with a lender’s eyes so that you get a tailored plan that will improve your credit and put you in a position to be approved for a home loan. If your dream is to own your own home you owe it to yourself to work with credit experts that know what needs to be done and are dedicated to creating a step-by-step plan so that you can obtain homeownership.
pre & post bankruptcy counseling
Are you considering filing for bankruptcy? Do you have debt and are feeling buried? At Platinum Credit NOW we do pre-bankruptcy counseling. We will take a detailed look at your credit, discuss your current financial situation, and help you weigh the pros and cons. Our counselors are not attorneys and can not answer bankruptcy questions, but we can help you review your options and if bankruptcy is the best option we will advise you on how to proceed so that when the bankruptcy is finalized you can come out of it with good credit. We set the stage before the bankruptcy and after the bankruptcy, we review and start the rebuilding process while also looking at what steps you can take to be proactive about your credit and financial future.
Debt settlement
Defaulted debts can feel a little bit like your fighting a battle that you can’t win. The weight of these debts can be overwhelming and dealing with debt collectors can be an emotionally exhausting task. Let’s just say it, “collection agencies and debt collectors do not work well with consumers, they bully consumers and are insensitive”. Then there are the debt collection laws that can work to your benefit, but they can be convoluted and vague at best. Our debt settlement specialists are skilled at knowing how to handle debt collectors. We specialize in negotiating terms that work for you to resolve your debts. We make sure to have the debts verified and get the chain of title for the debt so that we protecting you from paying a debt or debtor without proper documentation. Our settlement specialists are professional negotiators that know that sometimes it takes creativity and flexibility to negotiate the best terms for you. No debtor’s situation is cookie cutter and no negotiation is handled in a cookie-cutter manner. If you have defaulted debt let our settlement experts help you lift the weight of debt off of your shoulders.
business credit preparation
Business credit works radically different than personal credit, but having excellent personal credit is oftentimes a necessary first step to establishing business credit. If you are a business owner or are planning to start your own business we can help you prepare for business credit. There are the best practices to start the process, things you should do, and things you should avoid doing when it comes to establishing and maintaining both your personal and business credit. Your coach at Platinum Credit NOW will create a plan based on where you are now to get you to where you want to go. Your personal credit and your business credit could stop you from growing if it is not handled correctly. Don’t stunt the growth of your business due to credit and financial issues. Our holistic approach is essential to any company looking to grow.
the money game
Our senior credit counselor has a unique eye for looking at how you are using your money and creating financial strategies that will save you hundreds of dollars a month. This out of the box thinking has been coined “the money game”. Playing the money game will give you the edge to reach your credit goals faster, allow you to save money, reduce debt to income ratios, and enhance your quality of life.