Trusted Choice For Everything Credit 

At Credit and Conversation, we don’t just fix credit—we build knowledge, confidence, and community.

Why credit and conversation?

Flexible Learning

Our courses are designed for maximum engagement and understanding. Learn at your pace.

Expert Coaches

Learn from experienced and  certified credit coach. Get access to one-on-one lessons with a certified coach

Proven Systems

We track and monitor progress using our cutting edge tools and  systems.

Credit Literacy

We help clients not only improve their credit scores but also develop sound financial habits for long-term financial stability.

We are trusted leaders in the Credit Industry
Credit repair is a method of credit rebuilding for people with a low credit score or past credit issues. Past delinquencies, missed payments, charge-offs, bankruptcies, foreclosures, and even an error on your credit report can affect your creditworthiness. Good credit can be helpful in getting loans, a job, or an apartment and can affect an interest rate or insurance premium. Credit repair is just one method of improving your credit, at Credit and conversation, we show you all you can do to help improve your standing with the credit bureaus.

Our Process For Fixing Your Credit

Set Up

Share your personal information securely through our online portal. We’ll retrieve your credit report without affecting your credit score.

Review 

A credit specialist will thoroughly review your credit report, identify any factors impacting your score, and confidently dispute them with creditors and credit bureaus.

Optimize

Use our secure online portal to share your personal information with confidence. We'll get your credit report without harming your credit score.

Are errors on your credit report holding you back? Our team of credit experts is here to help. With years of experience and a proven track record, we'll work with you to:

- Identify and dispute errors on your credit report
- Remove negative marks and late payments
- Improve your credit score and unlock better loan rates

What our clients say

Alicia Jekkins

Jaqkeshia led the Ladies Entrepreneur Empowerment Circle entrepreneur program I was in and was ABSOLUTELY AMAZING! She taught us things we would’ve never thought about and I’m forever grateful to sustain and expand my business. I look forward to working with her again.

Ina Shyree Sidney

I've been busy behind the scenes gaining knowledge to get where I need to be. Big thanks to Keshia Kesh Carr and her book credit and conversation...Do yourselves a service and buy the book instead of a bottle!!!

Todd Godawa

Jaqkeshia really knows her stuff!!! Very informative & I learned a lot!!! Thanks for coming to our local & educating us!

Frequently asked questions

What is credit repair?

Credit repair is the process of identifying and addressing errors, inaccuracies, or negative items on your credit report to improve your credit score.

How does credit repair work?

Credit repair involves reviewing your credit reports, disputing inaccurate information with credit bureaus, negotiating with creditors, and adopting better financial habits to build a stronger credit profile.

Is credit repair legal?

Yes, credit repair is legal. The Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA) protect consumers' rights to dispute inaccurate or unfair items on their credit reports.

How can I check my credit score?

You can check your credit score through credit bureaus (Experian, Equifax, TransUnion), financial institutions, or free credit monitoring services.

What is considered a good credit score?

A good credit score typically ranges from 670 to 739 (FICO score), while excellent credit starts at 740 and above.

Our courses

Become a member. Join our community.

Join us now, and ensure a better future both for your finances. Get access to up to date financial resources and guidance.
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