One on One Credit Coaching!!!!

Get results fast! Call or text 865-951-3175 to set up your free consultation. We charge a flat fee of $500 per person or $650 per couple.
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For $50 4 Step Credit will be accepting loan shopping services.  For $50 we will find you a better loan for your house or your car.  We mean REAL loans.  Not a new loan PLUS a massive downpayment – we mean we will get you in a new loan with better terms.  If we can’t do it – you get your $50 bucks back.  You can’t get out of your high interest buy here, pay here car loan?  We can do it.  You can’t find a new cheaper mortgage without another massive downpayment?  we can do it.

We connected with groups and organizations all over that want to see you succeed!  Let us help put you back on track and saving tens of thousands over the course of your mortgage or car loan today!

4 Step Credit has over 30,000 hours spent solving credit problems at the creditor level and teaching credit management.

Credit scoring is computer generated. It’s nobody’s opinion. Find out what the rules are and follow them

Most firms charge between $80/$150 a month for our service, or have payments as high as $3600. We charge a flat fee and you can get started for as little as $150.

Our process is just 4 steps and will leave you empowered and in charge of your own destiny.

Most of our clients can become score worthy in 60 days or less

Credit matters.

We all have a story.  Some of us made bad choices that hurt our credit.  Some of us just don’t know how to negotiate.  Sometimes bad credit is not even a condition we can control.  Health issues, jobs loss, fraud.

It hurts to have bad credit.  25% of auto loans are over 20% interest.  Jobs are lost over bad credit.  Business Opportunities are lost over credit. is here to help fix this. Spending over 50% of your income on high interest loans, and bad decisions, is avoidable. will show you how to take your life back.  How to negotiate back your loans.  Where you get help, and how you can solve your problems yourself.

Credit problems can be embarrassing and painful. Let us teach you how to refinance high interest car loans, dispute your own credit, and prevent future problems,

Thoughts on Credit:

  • People with better credit pay 10’s of thousands less in interest fees.  Interest is a tax on credit!
  • Your kids will get better college loans if your credit is better!
  • You could give yourself a giant pay raise if you raised your credit score.
  • Your authority and future promotions at work can depend on your credit score!
  • Future financial gains and opportunity are limited by your credit score.

Our Process:

  • Review your 3 bureau mortgage credit report provided by your lender.
  • Settle your collections with the goal of negotiated deletions. This is the scary part. We call for you, with you and do the negotiating. This is our specialty. I have 14 years and over 30,000 hours spent solving credit problems. I get results.
  • Add score building credit that will show up on your credit report in weeks not months. Good credit adds points! You can have all the good score building credit you need to push your credit scores past 700 quickly and pay less than $5 per month in interest. It is not a debt derby.
  • Credit report disputes filed. Quickly clean up as much of the negative past as we can the right way and yes that does mean there is a wrong way.
  • Credit tech support – Call, email or text! There is sooo much, way too much bad credit information floating around on the internet.

Call (865) 951-3175 We can take your payment over the phone and get started. Feel free to call with questions.

Did you know what we now have a car buying service for Knoxville & Most of Tennessee?

4 Step Credit Is A Safe And Easy Way To Learn To Control Your Credit.

Call (865) 951-3175 To Get Started, Or Contact Us With Any Questions You Might Have.