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Home 2017-12-11T20:09:57+00:00

LIKE A FINE WINE

Much Like Fine Wine Your Credit Report Needs to Age

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On time payments account for 35% of your credit report. Checking your credit daily or weekly is the most beneficial way to ensure your credit ages in the correct way. Banks will view  pay history and late payments as a glass of 2017 wine….the flavor hasn’t ripened yet. The key to the perfect credit report is five years of neutered pay history.

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ABOUT THE CREDIT CHEF | A RECIPE FOR SUCCESS.

We’ve all made mistakes in our lives. We’ve had tough decisions to make that may have not been in the best interest of our credit rating. We made decisions to take care of our immediate needs versus protecting our credit and as a result our credit took a blow. So when we hear the word “Bad Credit”, we begin to view ourselves as irresponsible versus viewing the situation and decisions that we made as necessary at that moment.

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PERSONAL CREDIT REPAIR  LAS VEGAS, NEVADA

The Credit Chef will work with YOU to challenge all erroneous items that affect your credit report.

We will ensure your credit history is up-to-date and accurate based on the Fair Credit Reporting Act.  Our clients are able to track their progress through our own credit-monitoring site. We have a credit expert available right now to take your call at 1-702-202-2828 for a free 20-minute credit repair consultation. You will see why we are the perfect ingredient for all of your credit needs.

BUSINESS FUNDING    LAS VEGAS, NEVADA

EVERY BUSINESS NEEDS CAPITAL TO SUCCEED.

Supporting business owners with simple and convenient alternative financing solutions is at the very core of what we do. In understanding the challenges of obtaining funds through traditional methods, we provide small businesses with flexible, easy-to-implement immediate working capital.

NON-PROFIT FORMATION SERVICES LAS VEGAS, NEVADA

We prepare the documentation and applications to establish all types of 501(c) nonprofits.

Our nonprofit specialists navigate complex IRS and state requirements so you can quickly receive your 501(c) approval and keep your organization in compliance.
GUARANTEED APPROVAL by the IRS. We will stay with you until you get your organization exempt.

BUSINESS CREDIT REPAIR    LAS VEGAS, NEVADA

WHY RISK YOUR OWN PERSONAL CREDIT TO BUILD UP YOUR BUSINESS CREDIT.

Our business credit repair program is designed to fix, change, correct and delete information that is hurting the credit scores and indexes of your company. There are many credit scores and indexes associated with the business credit bureaus that can fluctuate for a variety of reasons. Potential accounts, partners, and even executive talent that is on the cusp of making a decision to work with your firm could turn away based on red flags reported to credit bureaus whether the information is accurate or not. Score and index threshold changes can be caused by something as small as a recent late payment from a vendor account or a high dollar collection account caused by damaged goods returned to the supplier with a resolution pending.

TIME TO SCORE

SCORE DIFFERENTLY

We prepare the documentation and applications to establish all types of 501(c) nonprofits. Our nonprofit specialists navigate complex IRS and state requirements so you can quickly receive your 501(c) approval and keep your organization in compliance.

GUARANTEED APPROVAL by the IRS. We will stay with you until you get your organization exempt.

SHHHHHH…..

OUR SECRET SAUCE

The Credit Chef’s Secret Sauce uses no imitation, cookie-cutter or substitute dispute letters; we use THE FINEST INGREDIENTS when we are creating our client’s DISPUTE LETTERS. We are not using letters that say, “Not mine”, “This doesn’t belong to me” or “I’ve never had that account”. These types of letters are what we call “Fast Food Ingredients”.

You will find that “fast and quick” will yield unhealthy results versus a consistent regimen of hard work.  Remember trying that low carb diet many moons ago? You lost 25 pounds only to gain back 30 pounds over the next few months after you stopped.  To change your life, you must commit to a lifestyle change.  You cannot rely of quick fixes.

TASTE IT

FINANCIAL WELLNESS

So many credit repair companies hype you up into thinking you’re going to obtain a 700 credit score or enter into this elusive 800-credit score club. They play on your emotions and drive your decision to sign up with them based on your “new credit score” only without educating you on the credit matrix or the concepts that help accumulate your credit score. For example, the inquiries, payment history, types of credit accounts, etc. all work together to create the perfect 700 credit score.

When we say Score Differently, what we are asking you to do is not to be driven by the 700+ credit score mindset and be driven by the responsibility mindset that tells you to pay your bills on time, keep your balances low and have a mixture of various types of credit.

THE DIFFERENCE

EAT DIFFERENTLY

There’s a difference in a consumer who has a 700 credit score with three credit cards vs a consumer who has a 700 credit score for ten credit cards, mortgage and a car loan. Same score…different outlook. The Credit Chef will show you how to consistently pay your bills on time, keep your balances low and have a mixture of credit on your credit report all being paid at the same time on time. So rather than concerning yourself with your score you concern yourself with the entire picture.

Meet The Credit Chef

“Never trust a skinny Chef”

While many teenagers experienced a no-history credit profile when they begin applying for credit, I started out with good credit. I was able to obtain a healthy credit score because my father’s credit merged with mine at a young age. Although I would receive quick approvals and would hear that I had good credit, no one ever taught me about credit, how to pay your bills on time, what type of credit I needed, etc. Needless to say I bought everything under the sun and placed myself in tumultuous debt.

At 20 years old I had great credit, however, I didn’t know how to maintain my credit. I wasn’t aware of the impact of credit inquiries, late payments, or utilization. By the time I was 25 years old unforeseen circumstances hit my life and I lost everything.  Shortly thereafter I met a gentleman by the name of Ivory Mitchell. He taught me about credit. He taught me all about finances, business and personal credit. I became his protege and was willing to learn everything about finance. Sadly to say, he passed away not long after I began learning about credit.

Through the information I learned I begin repairing my own personal credit. The only problem was I had only 2 current items reporting on my credit report.  This go around I was hit with all the high interest credit cards and loans because I no longer had that history to back me up.

In 2012, I started my credit repair company, began attending credit boot camps, learned from mentors like Eric Counts and Rondi Lambeth. I was simultaneously creating healthy meals for celebrities, high net-worth individuals and family members while teaching them the importance of healthy eating and healthy living…and then The Credit Chef began.

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START COOKING IN JUST 3 STEPS!

NOW sit back and enjoy time with your family knowing The Credit Chef is in the kitchen creating magic for you!