Welcome to Expert Financial & Credit Services, Inc. (EFCS)! I am Tammi Smith, owner of EFCS, a Nonprofit Corporation located in Georgia.
I became passionate about finances and credit resolution when my own credit became compromised by the credit bureaus merging my credit report with someone else’s by reporting my first and last name and my date of birth incorrectly, along with eleven (11) listings from collections agencies that were NOT mine. I disputed all inaccuracies myself and was able to have them all removed from my credit report, along with other payment inaccuracies.
I have developed these simple but powerful sample letter kits packed with educational materials, along with steps that I used, allowing you to customize for your specific credit issues in an effort to legally Repair Your Own credit (RYO) and increase your credit score.
I am also a Board Certified Credit Consultant (BCCC), a Certified Credit Score Consultant (CCSC), and a member of Credit Consultants Association, Inc (CCA), which is a National Trade Association for the Credit Service Industry.
Thank you for your interest in our Repair Your Own (RYO) Credit services and cheers to good credit!
Ms. Jajuan Smoot , M.ED is currently a certified Master Financial Literacy Teacher, and Extreme Execution Coach. She attended Ashford University where she graduated with a Bachelor’s degree in public administration. She furthered her education and pursued a Master’s in Education, specializing in assessment and early childhood education all still at Ashford University. She later received her Extreme Execution Certification by the world- renowned motivational speaker Dr. Eric Thomas. Professionally Ms. Smoot has served in education a total of six years. For three of those years she has worked in Career and Technology coaching students toward career readiness and financial literacy . Ms. Smoot has coached students’ past barriers of communication transitioning students from non- talking to talking. Her specific goal setting techniques has aided students in accomplishing high standing academic, and athletics. Her personal coaching has helped young adults and adults alike take their focus off of tragedy and focus on their goals. She has helped students and adults to develop healthy habits that will allow them to be highly effective in their area of choice. She has worked in various settings coaching all ages, community agencies, and non-profit organizations. She is the owner of Brave Chance Consulting LLC a coaching and consulting firm where lives are changed daily . In addition she is a board certified credit consultant . Her experience with financial literacy , her ability to coach people to the next level and her knowledge of credit will be grouped together to help people reach their credit and financial goals.
