Happy Credit Lady

$99 Special for the "We Assist You" Credit Counseling package! SAVE $100


Improve your credit today!

Let Pam Folland, the Happy Credit Lady, help you get back on track. Pam is dedicated to showing you results! She specializes in new home purchases, helping hundreds of people buy a home last year, who did not originally qualify.

Pam offers credit counseling to help you fix questionable items on your report. She works independently which makes her services very affordable and effective. To sum it up, Pam cares about you and your credit and will not stop until you get the results you are looking for! Contact her today for more information.






*FULL Service Credit Repair!


*We have two Programs to choose from


*No Monthly Fee's


*Guaranteed Results


We offer Full Service which includes:


*New Accounts open


*Collections disputed and removed


*fico score enhancement


*Inquiries disputed removed


*and more


*We work directly with all 3 Credit Bureaus on your behalf.

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Our Services include: