Savvvy Resolutions Resource Hub
Real Tools. Real Results. No Fluff.
Start Here: The Tools I Trust (Because I’ve Used Them Too)
Let’s be honest—there’s a lot of noise out there when it comes to fixing your credit. What actually works? What’s a waste of time? What’s a scam?
I built this page for you.
Every link here is something I’ve used, tested, or seen help real clients make major progress. No fluff. No junk. Just tools that move the needle.
Must-Have Tools to Kickstart Your Credit Journey
These are the top tools I recommend no matter where you are in your journey—from rebuilding after a denial to building from scratch.
SmartCredit
All-In-One Credit
Monitoring Powerhouse
Track your score, see your full credit reports, AND get alerts when something changes.
👉Start Your 7-Day Trial for $1.99
Why I Love It:
“I use this with my clients every day. It shows exactly what’s hurting your score—and gives you the tools to fix it.”
Kickoff
Build Credit Without the
Credit Card Trap
Perfect for anyone starting over or starting out.
Why I Love It:
“It’s super simple, reports fast, and doesn’t require you to carry a balance. My go-to for young adults and fresh start clients.”
Experian Boost
Get Credit for Paying Bills
-You Already Pay
Yes—Netflix, utilities, even your phone bill.
Why I Love It:
“It’s fast, free, and I’ve seen clients get a score bump the same day. Nothing to lose—everything to gain.”
Need a Credit Card That Helps You Build?
If you’ve been denied in the past, don’t worry!
I’ve got two Savvvy-approved options that actually help, not hurt.
Credit Card Broker
Pre-Qualify for Cards That Match Your Credit Profile
No hard inquiry. No guessing. Just matched options that work.
Why I Love It:
“This avoids the ‘shot in the dark’ card applications that can hurt your score. Smarter credit decisions start here.”
Credit Builder Card
Guaranteed Approval Secured Card
Use your own money to build credit safely.
Why I Love It:
“No credit check, low risk, and it reports like a traditional card. Ideal if you’ve been denied elsewhere.”
Ready to Go Digital?
A Bank That Builds Credit
GO2Bank
Mobile Bank with Credit-Boosting Benefits
Open an account, set up direct deposit of $100+, and build credit as you bank.
Why I Love It:
“Great for folks who don’t want to deal with big banks—and who want their bank to help build their score.”
Want to Build Credit Without a Credit Card?
Self
Credit Builder Loan + Secured Credit Card Combo
Save while you build. No hard pull. Reports to all 3 bureaus.
Why I Love It:
“I used this personally. It helped me show positive payment
Why I Love It:
“I used this personally. It helped me show positive payment history AND gave me a savings boost. Double win.”history AND gave me a savings boost. Double win.”
Not Sure Where to Start?
You're not alone—and you're not beyond repair. If you’re still feeling stuck or unsure what’s right for you, schedule a free clarity call.
We’ll look at your credit, talk about your goals, and map out your next best step together.
Frequently Asked Questions
How often do you pull credit reports?
Every 35–45 days. That’s when I check for deletions/updates and send recommendations. You’ll always know what I’m working on and what steps you should be taking too.
How long does credit repair take?
It depends on your credit situation, but most of my clients start seeing results within 30–60 days. Full repair can take anywhere from 3–6 months, sometimes more depending on your goals and what's on your reports.
Do you work with people buying a home?
Yes! I work with buyers, loan officers, and Realtors every day to help clients get mortgage-ready. If you're trying to qualify for FHA, Conventional, or other loans — let’s make a game plan!
Can I still sign up if I’ve tried credit repair before?
Yes, even if you’ve tried before, my approach might be different. Whether you did it yourself, used another company, or gave up halfway — let’s talk. You deserve a fresh start.
Can I pause or cancel services?
Yes! Just give me notice before your next billing date. You can pause and come back when you're ready — just keep in mind there’s a reactivation fee if you stop and start again.
Do I need credit monitoring?
Yes. I use both MyScoreNow and SmartCredit to track your score, see changes, and monitor all three bureaus. It must be active the whole time we’re working together. A 7-day trial is available
Need More Help? Contact us
Email us at [email protected] or book a free call.
[Book a Free Strategy Session] 📱 Text Support Available: (559) 574-3465
You’re Not Stuck,
You Just Need a Plan.
Savvvy Resolutions
Build Credit. Build Confidence.
(661) 485-4453
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