Johnson & Holt Credit Consultants

03/31/2022

New York State's new consumer debt protection laws go into effect April 2022.

Click to read more.

05/12/2021

If the answer is no you will most certainly be denied credit going forward. Repeatedly. Always pay your bills on time. Clean up you credit. Let us help you.

05/11/2021

The Big Tymers made it seem hot, but this type of lifestyle isn't sustainable. Fix your credit. Let us help you.

05/10/2021

It's 2021. Good credit takes you further than cash ever will.

05/04/2021

Your debt to income ratio - DTI - is calculated by dividing your monthly debt payments by your gross monthly income. Too many bills and not enough income will prevent you from obtaining a mortgage. Eliminate your debt and increase your income to look more favorable.

Your interest rate is based on your credit score. Lenders charge higher rates to people with lower credit scores because they consider them more risky. Increase your credit score to decrease your interest rate.

05/04/2021

We are professionals. Let us help you improve your credit situation.