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Owning a home starts with strong credit — and we’re here to help you get there.
Life happens. Mistakes, setbacks, or lack of guidance can keep you from qualifying for the home you deserve. At Chames Financial, we specialize in helping you rebuild your credit and position yourself for real homeownership success, not just better scores, but keys in your hand.
Take the first step toward your home today. Your Credit Comeback starts here.
Book Appointment
Our private trainings are taught by certified professionals who explain the secrets of restoring great credit.
The Chames Financial Team works diligently on your behalf to remove all negative items using the current laws.
Knowledge-Is-Power, so stay in the know with our new "Do It Yourself" credit restoration kit.
First, you'll speak to a credit specialist who will explain how the process works and answer any questions you have. Together, you'll determine whether our services are the right fit for you. Then you'll choose the membership that's right for you and complete enrollment. Welcome to Chames Financial! It's time to start you on the road back to good credit!
Your assigned credit repair specialist will take a close look at your credit and begin working on your credit profile each month. Your specialist will begin to determine which negative items are errors by comparing your credit report from each of the three major credit bureaus. These errors can then be challenged. While your specialist is working hard to repair your credit report, you can do your part by building your credit history and maintaining positive credit habits. Your specialist will be there to answer any questions you have and to guide you every step of the way.
Our goal at Chames Financial is to help you increase your fair credit score to 660 or higher. This will require us working together with you as you do your part to learn and put positive credit habits into practice. How long it takes to get to that number or higher will depend on your personal credit situation and your commitment to working alongside your credit specialist. Our goal is not only to increase your score, but to also help you to gain a better understanding of how credit works and teach you to develop the positive credit habits to maintain that great score!
24/7 Client
Portal Access
Month to Month
Credit Updates
Support via
Phone/E-mail
Unlimited Disputes
Credit Education
Unlimited Disputes
Most People See Results
as Little as 90 Days
Most People Complete
Within 240 Days
Results or Your
Money Back
"Very informative. Clear. & helped my score go up fast and easy!"
"Mr. Chames has been amazing helping me repair my credit and work toward buying a home. He’s been on top of everything, keeping me focused and working with a great Realtor and mortgage lady as a team that he’s been working with previously. I’m finally seeing my credit score go up and getting closer to my goal. Highly recommend!"
"I can’t say enough about how thankful I am for Mr. Chames! He cleaned up my credit in just three weeks. I used to be skeptical about credit repair companies, but he was the first to provide exceptional service at an affordable rate. I’ve recommended him to several people who also received top-tier credit repair and have since become homeowners because of his help. If you’re considering it, give Chames Financial a try — you won’t regret it. Customer service is a 10/10!"
"I am SOOO THANKFUL for this service. I’ve struggled for years with my credit and now I can see the light. It’s been a pleasure working with Tarique. He make sure you fully understand the process and after one month, my credit score jumped up 43 points. Now I am able to purchase a new home at a 3.9 interest rate. I highly recommend Tarique with Chames Financial if you are truly ready to improve your credit score."
"Tarique is sincerely a genuine guy. If you're having any doubts, trust Tarique and his team's process. I promise you will not regret it. Also his prices are fair and they have done an excellent job helping me fix my credit score thus far. My score jumped up on average 60 points across the board on all 3 credit bureaus. My score went from a 640 to a 702 with one round of disputes. I'm looking forward to seeing where my scores will be once Tarique and his team are actually finished. Keep up the great work sir! "
"It has only been a couple of months and my credit score has gone up 20 points working with Chames Financial!"
"Definitely gets results. Budget friendly. I am one satisfied customer. Highly recommended."
"Working with Chames Financial has been absolutely outstanding! They helped me fully comprehend everything I needed to know and answered all of my questions. It was an easy process and they delivered quick results!"
"Wonderful customer service and very patient and considerate! I'm a homeowner now thank you Mr. Chains for all you do."
"Tarique is amazing… Superior service,Professional and Highly recommended…Thank you again for helping me and my clients"
"Tarique was very knowledgeable and experienced working with my credit…I literally seen results in less than 2 months! Thanks Tarique"
"I was really skeptical about taking a chance with Chames financial but in the end I found out that my risk was very rewarding. Chames financial provided great service, quality business, professionalism every step of the way witch help me with my credit tremendously. Taking my low 400 credit score to high 500 in the matter of months. Put your trust in Chames Financial you will not regret your choice"
"Very professional compared to the last company I used. They know their stuff when it comes to credit. Medical bills came off in 2 months"
"Results speak louder than words. Tarique literally, single handedly helped me increase my credit by 200 points within 90 days! Words can't express what it feels like to finally go from poor to great credit. Tarique lifted years of weight off my life. If you can get on this man's books consider yourself blessed."
"It is an absolute pleasure and delight working with the stellar Chames Financial team!!!! Due to a few life challenges I went from a high credit score to poor credit, add the student loan debt to the scenario and I felt a little helpless. I am forever filled with gratitude to the Chames Financial team for going above and beyond in taking me from poor credit to excellent credit. Seeing the monthly progress as my score went up made me very happy. One of the best decisions you can make in trusting and giving Chames Financial the go ahead to take your credit to the place that will better your financial health and future. Thank you thank you once again."
On average the dispute process is 2-4 months. We have specialized attorneys who help maximize and expedite deletions.
Your credit score can impact more than you realize. Most people know that a low credit score can prevent you from being approved for a personal loan, a car loan, or a mortgage. But did you know that bad credit can cost you thousands of dollars even if you do manage to get approved for a loan? Your credit score impacts the interest rates financial institutions and creditors will offer you and you could be paying them thousands more than you need to! A low credit score can also prevent you from being approved for certain types of insurance and cause you to lose out on great job opportunities, costing you even more! Having bad credit can hinder you from being able to make important decisions and can be a road block on your path to financial success. Call us today to learn more about how repairing your credit can positively impact your life!
Credit repair is the legitimate and legal process of removing inaccurate, negative items from your credit report. Many people are unaware that inaccurate, out dated, or false information may be negatively impacting their credit report and as a result lowering their credit score. This process is very effective, however, it is lengthy and can take several months. It is not a quick fix. If any "company" promises a quick fix for a substantial fee, it is a scam.
Yes, you can! There is a lot of information available online that can help you learn how to repair your own credit. We offer Do-It-Yourself Kits available for purchase right here on our website that will provide you with the tools you need to get started yourself. You are able to do anything a credit repair agency can do. So, why doesn't everyone just do it themselves? It is important to note that the process of repairing your credit will require a lot of research and learning. Communicating with creditors and agencies, gathering information, and working out settlements requires a large commitment of time and patience that most people just don't have. A lot of people choose to hire a credit repair agency to do this tedious work on their behalf.
Please give us a call today for more information on our DIY Kits or to schedule a consultation with a credit repair specialist.
At Chames Financial, we specialize in finding the errors and inaccuracies that are negatively affecting your credit score. You may not be able to recognize an error by just looking at a single report. Our credit repair specialists are trained to analyze your credit report from all three major bureaus and to recognize unsubstantiated, outdated or inconsistent items. Call us today and learn more about how we can help you!
We can send out Cease and Desist letters to your creditors to ask them not to call you anymore.
You can trust that every time call you will speak to a knowledgeable, friendly and professional credit repair specialist.
Errors and inaccurate information are legally and permanently removed from your credit report. We are committed to producing results within 180 days.
At Chames Financial our specialists are trained to analyze your credit information from all three major credit bureaus. We will make sure the items on your reports are as accurate, up-to-date and as fair as possible.
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