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Neal Frankle
I’m Neal Frankle, Certified Financial Planner™. Credit problems are a serious business. In fact they changed my entire family life when I was 16. This site is here to help you repair your credit without getting ripped off. Read my story.
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About me - Neal Frankle

I’m Neal Frankle, Certified Financial Planner™. Credit problems are a serious business. In fact they changed my entire family life when I was 16. This site is here to help you repair your credit without getting ripped off. Read my story.

My Story

I have been a financial advisor since 1985 and I became a Certified Financial Planner™ in 1994. Since then, my business has been to help clients get their financial lives together although I don’t do credit repair work directly. And I can tell you that there is nothing more important in your financial world than having the best credit rating you can get. I know this from personal experience.

When I was 15 my mother died and when I was 17 my father was killed in an airplane crash. Before he died, my father was so distraught by my mother’s death that he ignored his financial life completely. As a result he ran it into the ground by not paying our bills.

The utility company shut off the power to our home and the water company shut off the water completely. We were visited regularly by the sheriff who served eviction notices and other payment demands. This was on top of the constant knocking on our door at all hours of the day and the non-stop calling by debt collectors.

And because my father completely trashed his credit, it was extremely difficult to find anyone who would rent us a place to live after we got thrown out of our house. It was frightening to say the least and made worse by the feeling of being completely powerless and at the mercy of my father’s creditors and bill collectors.

I am not in the credit repair business as I said. That’s not how I make my living. But I do know a lot about it because my profession demands it. And I created this site for three reasons:

  1. Education

    you need to know the real story of how credit repair works, how collectors, creditors and credit bureaus operate and how the law protects you. I took an in-depth look at all the components of the credit repair process and I break them down for you on this site. And I explain how they work in plain English so you can take your credit life back – really. There is a lot you can do yourself to vastly increase your credit history and score.

  2. No Rip Offs Please

    Credit repair is a huge industry. The companies in this business tell you that they can help you wipe your credit clean. I admit that there are some professionals out there who are for real. But mostly the field is cluttered with schemers and scammers guaranteed to waste you time and take your money.

    I’ll show you how to spot the legitimate pros from the make-believe players. Just working with the right people makes all the difference in credit repair if you decide you don’t want to do this by yourself.

  3. Credit Repair Service Sales

    As I said above, I’m not in the credit repair business but I need to know a lot about it because of the business I am in. I spent and spend hours researching this topic so you don’t suffer the same consequences I did growing up. From time to time, I may recommend using a credit repair firm if I feel they continue to be a good value for my readers. If you sign up with them, I will be paid a referral fee.

    To be frank, I think that’s fair. I spend a good chunk of time each updating this site and making sure you have the most effective credit repair tools possible. And while I honestly don’t think everyone needs professional help, what’s wrong with being paid if you decide you do want a professional on your side and I steer you in the direction of a reputable firm? Nothing.

Why not look around the site right now? There is a lot of good information that should answer many of your questions. You can also send me an email if that would be useful to you.

If you want to protect your family against the terror that I faced as a kid, I want to be part of your team. If you suffer from bad credit, you’ll find all the resources you need right here to turn that ship around. Here’s the best post to help you get a quick start on your road to fixing your credit.

All the best,
Neal

Get Out Of Debt Action Plan

by Neal Frankle, CFP®

We break the get out of debt steps down and focus on one thing at a time, you can experience a debt transformation you never dreamed possible.

Welcome to your most excellent journey to getting out of debt. If you follow the steps I’m about to lay out for you, I can promise that in the worst case, your situation will be vastly improved and in many cases, you will find yourself debt-free in much shorter time than you now think possible. […]

Make Significant Side Income With Skills & Resources You Already Have

by Neal Frankle, CFP®

Make significant side income with resources and skills you already have without special training. These are solid ways to generate significant extra money on the side. You can start right now to improve your cash flow - Click to read the article.

It’s mind blowing that more people don’t use the common skills and resources they already have to make a significant extra income to get out of debt and/or solve their credit problems. As you’ll see, this is a very easy mission to accomplish. By the time you finish reading this (3 minutes from now) you’ll […]

Using a Credit Builder Loan to Rebuild Your Credit

by Neal Frankle, CFP®

If you have a bunch of bad credit in your past, and you are looking to get a fresh start, you should take a serious look at credit builder loans. They can be the perfect way to rebuild your credit, and the whole process is surprisingly easy and painless. What is a Credit Builder Loan? […]

Why You Must Repair Your Credit Before You Retire

by Neal Frankle, CFP®

A disturbing trend has developed in recent years in which people are retiring with substantial amounts of debt. Some of the people carrying debt also have bad credit. But if bad credit can be a problem during your working life, it will be even more so once you retire. That’s why you must repair your […]

What to Do When Your Spouse Has Bad Credit

by Neal Frankle, CFP®

You’re meticulous about your credit. You have good or excellent credit, and you do everything necessary to keep it that way. But what if your spouse isn’t on board with your view of credit? What do you do when your spouse has bad credit? Unfortunately, this scenario is far from impossible. It’s not even necessarily […]

Young With Bad Credit – And Why You Must Get it Fixed

by Neal Frankle, CFP®

Lots of young people – typically young adults in their 20s – have bad credit. In fact, at times it can seem as if youth and bad credit are a perfectly natural match. But whether that’s true or not, it’s important that you get your bad credit fixed as soon as possible. Even though you […]

Using Secured Credit Cards to Rebuild Your Credit

by Neal Frankle, CFP®

If you’re in or just coming out of a bad credit episode, you may have found that getting new credit is no easy task. This is especially true if you’re trying to get a credit card. What you typically find is that, if you can get a credit card at all, they come with very […]

When Your Credit Card Debts Exceed Your Annual Income

by Neal Frankle, CFP®

When people start getting deep into debt, the process is often accompanied by a large helping of denial. That is, as their debt grows larger and more threatening, they begin to rationalize why it’s not so bad. This is when it becomes important to recognize important debt thresholds – clearly identifiable metrics that should absolutely […]

A Good Credit Score Can Mask a Serious Debt Problem

by Neal Frankle, CFP®

A good credit score is a source of pride and even prestige. People with high credit scores are sometimes fond of sharing their scores with others. It can be seen as a validation of our worth as borrowers, and at the extreme, as people. That’s because a high credit score indicates that we pay our […]

Failing to Teach Your Kids About Credit Will Set Them Up for Credit Failure

by Neal Frankle, CFP®

There’s a growing trend across the country of young people getting into credit and debt troubles very early in life. Part of the blame is easy credit. But equally culpable is a lack of credit education. Kids aren’t getting that from the usual sources that we expect. But failing to teach your kids about credit […]

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