WE ARE NOT A CREDIT REPAIR COMPANY.
WE DO NOT OFFER CREDIT REPAIR AS A STANDALONE SERVICE.
QREDIT QALL
Free Consultation
If you have any questions or want to order any of our services, we can schedule a free 15 minute consultation using our community platform on WhatsApp. By using direct messages, phone calls, or video conferencing, we can address your concerns and get you started on your Qredit Quest journey.
QREDIT QRITIQUE
Credit Report Assessment
This service is for Qredit Qonsumers who are preparing for a large purchase or Qredit Qompanions who need their clients to qualify for a loan. Anyone can request an assessment of their credit report and we will use our Qredit Qode to decypher what tactics and techniques will increase you credit score. If our advice doesn’t boost your score in the estimated time we predict, we guarantee a full refund.
QREDIT QONCEPTS
Credit Reporting Origins & Biased History
Credit scoring and reporting have always been biased and inequitable from inception. The credit scoring system has historically and systematically been linked to practices that denied loans and other financial opportunities to marginalized people. This is the reason we do not focus on credit repair. We would rather focus on an unbiased algorithm that provides everyone with a fair and equal opportunity to build their credit score.
- 1800s – Formal credit reporting began to emerge, showing bias to the lower classes from the beginning, as credit was mostly extended to the rich and prominent.
- 1841 – The first credit reporting agency was founded on a system that factored in the character and assets of credit consumers, holding bias against underserved groups.
- 1956 – The Fair Isaac Corporation (FICO) created a scoring system using custom scoring models, but it remained biased by only allowing negative items to be submitted.
- 1971 – The Equal Credit Opportunity Act made it a legal requirement to report positive items, but there were no reporting mechanisms in place to enforce the law.
- 1989 – The FICO credit score model was introduced, which finally factored in positive payment history, but credit consumers remained unaware of its existence.
- 2019 – Experian finally launched a reporting service directly to consumers to add positive payment history, after 50 years of the law that made it a requirement.
- 2026 – A new credit era begins, as AI and supercomputing make credit building more balanced and beneficial, compared to the over 200 years of biased practices.
QREDIT IQ
More Than Just A Credit Score
We focus on building solid credit scores, but that is not our primary focus. Our first priority is to build strong credit consumers who have a high QreditIQ: the knowledge and discipline to maintain their score after they achieve it.
QREDIT QREED
Credit Building Principles
Credit scoring and reporting have always been biased and inequitable from inception. The credit scoring system has historically and systematically been linked to practices that denied loans and other financial opportunities to marginalized people. This is the reason we do not focus on credit repair. We would rather focus on an unbiased algorithm that provides everyone with a fair and equal opportunity to build their credit score.
“Estimates show that 60% to 70% of consumers who use credit repair see their scores drop back into “subprime” territory within 24 months if the repair wasn’t accompanied by a fundamental change in financial behavior.”
Core Principle #1
BUILD THE CREDIT CONSUMER
NOT JUST THE CREDIT SCORE
We teach our clients how the credit system works by breaking it down into understandable parts and easy tasks. The outcome of our training is someone who is intentional and strategic in their use of credit as a tool. You are not fixing a score, and you’re not building a score. You are building new habits, mindset, and lifestyle that make building your credit effortless and inevitable.
Core Principle #1
A CREDIT PROFILE GOING FORWARD
NOT CREDIT REPAIR GOING BACK
It is far better to build a new road forward than to repair potholes behind. We focus on building a new, dominant credit identity, one so strong, consistent, and strategically constructed that past mistakes lose influence over time. Never worry about what’s on your credit report or the need to repair it. Your current efforts to build a positive credit profile will overshadow any past negative credit history.
QREDIT QODE
Credit Scoring Algorithm
The is a better way to build and manage your credit score without using credit repair. Its more effective to build a new road forward than fixing the old road behind you. We proved that the credit reporting system has been biased for 200 years and that the credit laws have been biased for 50 years. But we discovered that the scoring algorithm is not biased; its just a calculation that doesn’t see anything but the numbers. Focus on engaging with the automated scoring system and you can control and predict what your score will do.
QREDIT QOACHING
Increase Your QreditIQ
Our parent company is LifeIQ, a life coaching firm that mentors in several life disciplines. One of those disciplines is financial training, which we offer guidance through our CreditIQ curriculum.
QREDIT QOUNSELING
Credit Building Assistance
We work with our clients to provide a specialized approach to achieve a high credit score through financial choices.
QREDIT QONSULTING
Credit Building Guidance
We work with our clients and partners to provide a holistic approach to achieving a high credit score through lifestyle choices.
Qredit Quest Programs
Our QreditIQ Programs are designed to organically transform relationships with credit and money, by mastering financial literacy, discipline, and habits. Choose from 1, 3, 6, 9, 12, & 18 month durations.
Qredit Qollege Course
You can take the personal coaching out of the QreditIQ curriculum and allow you to train yourself to build your credit score. Follow our interactive course, which comes with 3 months access to our online materials.
Qredit Qomplete Programs
We can customize our QreditIQ programs to work seamlessly with our Qredit Qompanion services. We can white label our services or offer them as an outsourced option.
QREDIT QOLLECTIVE
QreditIQ Services
All of our credit advisory services will include Refine, Rebuild, and Recon. The rest of our services are add-ons that will expand, accelerate, or maximize your credit building progress.