Credit Score Certified Consultants

Destiny Credit Solutions, LLC is a credit services organization bonded and registered with the State of Ohio. We are bound to comply with all laws governing credit counseling and credit repair to help you remove any negative information on your credit report that is erroneous, inaccurate, and/or obsolete. We assist you to improve your credit score.

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!

Tammi Smith, BCCC, CCSC