Escaping Payday Loan Specialists

Thirty months ago, my life started falling apart. Between family issues, unexpected expenses, and a general sense of hopelessness, I fell into the triangle of hell more commonly referred to as the payday/flex loan, check cashing and title pawn lifestyle. It started...

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Why 4 Step Credit is Not Just Another Credit Repair Company

There are 1,000's of advertisements all over town for credit repair companies.  They promise quick fixes, fast results, and professionalism. Go visit some of our competitor's websites.  They are members of countless organizations, banking networks, and other high...

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How 2 invested hours saved someone $163 per month

How long does it take to save $163 per month by refinancing a 24% interest car loan to 6%? Sometimes about 2 hours. “Jack” is almost 2 years removed from several years of destructive decision making. He bought a car right after he put himself on a good path in life....

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How Credit Coaching Helped A Divorcée Overcome Her Past

Sometimes people get stuck financially, and they can do nothing about it. Let's talk about “Jill”.  Jill has been divorced for years. Jill had adjusted her lifestyle to accommodate her perpetually low credit scores. Not all the bad credit on Jill’s credit report was...

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How to get a loan with when you don’t have the money.

4 Step Credit recently helped a dad form a plan to get his first home in 90 days. A landlord referred his tenant to us. The landlord will be transitioning into a nursing home soon, and he wants his long-time tenant to buy the property that he has been renting. The...

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A quick way to increase your credit score

Everyone wants action quickly!  One quick way to increase your credit score is to change your payoff date.  It is common that people carry a balance all month, and then pay most, if not all of the balance at the end of the month.  This is a great way to build points,...

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Stop Chasing Bogus Credit Scores

For the love of everything that is Holy and pure! Stop chasing bogus credit scores, and for God’s sake, take a little time and educate yourself so that you don’t get driven over the cliff with the rest of the sheep! I feel like the world has been taken over by crazy...

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Ask better questions about your credit, get better answers.

Ask better questions about your credit, get better answers.

A familiar scene in many comedy movies is when somebody asks the question – why didn’t you tell me_______? The answer is always – you never asked! You don’t get questions answered that you don’t ask and many people fail to ask the next question. The question that...

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The best kept credit secret that is not really a secret

The best kept credit secret that is not really a secret

Raise your credit score 120 points overnight, in the dark, while you are on vacation! Confound even your angriest creditors with this one simple trick! Are you tired of getting turned down? Let our team of legal experts make those creditors apologize to you. We have...

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I WANT A BETTER INTEREST RATE, AND I WANT TO TAKE CONTROL OF MY CREDIT