Debt Consolidation

Lets make sense... Specific for people with a high level of debt or paying a lot of bills. In these tough economic times many Americans are faced with significant credit card debt and are looking for help reducing their monthly payments

Personal Strategic Planning

Armor Credit Literacy LLC. are trained professionals . We are determined to educate you every step of the way.

Family Budgets

A personal or household budget is an itemized summary of expected income and expenses for a defined period of time, most frequently one month

Credit Restoration

Credit repair is about making sure the credit reporting agencies are creating that report mark "fairly". Making sure that what's on that report belongs there. It's about restoring your credit report to it's highest potential, Your credit report is optimized so it can produce the best possible credit score.

Debt Consulting

Armor is not only professional and confidential, but you create and maintain a relationship with the same individual throughout the process.

Debt Dispute Program

This approach to debt relief requires debt collectors to provide proof that a debt is 100% Legal, Collectible, Valid and Verified, or Cease Collection Efforts!

Finiancial Freedom

Personal debt management and self empowerment is not just about getting and being out of debt, it is also about living a fulfilled and rewarding life. That does not mean necessarily getting rich. It is for each person to decide their own level of what financial success

Credit Report Help

Fair credit reporting statutes are the first place to look for credit report help. These federal and state laws promote the accuracy and privacy of information kept and distributed during the consumer credit reporting process. Credit reporting violations include where your credit report contains information that is inaccurate, incomplete, disputed or outdated. Fair credit reporting requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job.

Establish Credit

When you have little or no credit history, applying for loans and credit can be difficult, if not impossible. Lenders like to see a record of payment history and a current credit score before they extend credit or loans. This information also helps them determine what interest rate to offer. If you do not have a credit history, here are some ways to build it one: