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You've got a dream, we've got a team!

Great Credit is More Important Than Ever and We Can Help You Achieve it.

Our Techniques for Success

Clean up your past
We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score.

Track your present
Easy access to your account 24/7 for live status updates on improvements on your credit reports and scores.

Change your future
We’ll maximize your score so you can achieve your goals and learn how to maintain your awesome credit long after our work is done.

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Meet Bob. Bob had big dreams. But Bob was struggling with his credit. So that's when Bob contacted us! With our help, Bob improved his credit and got on with his life. We helped him improve his credit, raise his scores, and reach his dreams! And we can do the same for you! Contact us now for a free consultation.

How it Works

What is a Credit Score?
A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. Credit scores range from 300-850. The higher your score is, the more likely you are to get a loan. The lower your score is, the less likely you are to get a loan. If you have a low credit score and you do manage to get approved for credit then your interest rate will be much higher than someone who had a good credit score and borrowed money. Therefore, having a high credit score can save many thousands of dollars over the life of your mortgage, auto loan, or credit card.

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Here's how we improve your credit, and how you're part of the process:

The credit system is flawed and most reports have errors. But you have rights! And we know how to use them to your benefit!

The law gives you the right to dispute any item on your credit reports. So we write letters to the bureaus about those items. A lot of them! The bureaus have 30 days to verify each item. If they can't prove it, they must remove it! And we are very good at this!

Your first step is to order reports and scores from the 3 bureaus: Equifax, Experian, and Transunion. We'll guide you to order the best ones. We also recommend credit monitoring, so you can see changes to your reports and scores.

And don't worry, your score won't suffer if you order your own reports! We'll also need a copy of your photo ID and current proof of address. Once you have your 3 reports we'll come up with a game plan.

And along the way you can see the work we're doing in your own secure client portal! See status of your scores, accounts we're disputing, tools to speed up the process, to improve your finances, and secure messaging!

Here's how you can speed up the process: Stop applying for credit. Each time you do, it lowers your score. Don't close old accounts, that can hurt your score, too! Pay your credit cards down to below 25% of the available credit line and never spend more than 25% of your credit line even if you pay it off in full each month. And most importantly, we'll be sending many letters to the bureaus, be sure to open all of your mail and forward their replies to us!

Remember, this process takes time and you'll know exactly what we are doing every step of the way. If you have any questions, just reach out! Our contact information is always on our site and in our emails. We appreciate that you chose us! And we look forward to helping you improve your credit and your financial future!

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What People Are Saying


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Hello, my name is Robin. And I have been with Approved Credit Coach now for about four months. And I want to thank Walt and his lovely wife, Jennifer, for their expertise and knowledge, because I had just gotten out of bankruptcy. And I took a chance I said, Well, let me see what he can do. And I think my credit score in the beginning was around 550-560. In a matter of three months, three and a half months my credit score is now 660 I think but it is taken off dramatically in the right direction. I would definitely recommend Approved Credit Coach to anyone trying to get back on their feet. They have the tools and knowledge to get to fight for you and get things moving in the right direction. So I am sure within a matter of a few more months following their guidelines, hey, I'm gonna hit the 700 Club. I really am thankful to both of you. I love you Walt. Take care of yourself and Approved Credit Coach is well worth the investment. You will not regret it.

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Hey guys, my name is Jake, I just wanted to take a minute and talk to you about Approved Credit Coach. Walt and Jen helped me boost my credit score as quickly and efficiently as possible. In the beginning, I was a little skeptical because I had never worked with any kind of credit coach, or anything, but I desperately needed it because I didn't have the time to do it myself. And honestly, I didn't know what I was doing. I leaned in, I trusted the process. Jen and Walt, were fantastic with communicating and explaining to me all the things I didn't understand and made me feel welcomed and able to ask questions when I had them. And within a matter of weeks, my credit score went from a 580 to a 680, which is where I needed it to be to get a loan, I needed it for a house that I really, really wanted. And now I'm getting that house and my credit score rocks, and the future is looking bright. So if you're on the fence at all about working with approved credit coach, I was there too, and I just want to tell you that it's worth it to lean in, trust them, they're great and they know what they're doing. You're in good hands. See ya.

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Just want to let you guys know that I've been working with Walt for a few months now and since I've been listening to his advice, and doing what he told me to my credit score has gone up over 100 points. He let me learn a lot of things that I didn't know about. As far as revolving credit, FICO scores, him and Jennifer worked really hard to get my credit score up to where I need it to be. So you should gives him a shot.

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My name is Andre and I am a loyal member of Approved Credit Coach. Long story short man I just knew you know I didn't want to be financially limited for the rest of my life so I had to make an adjustment and I reached out to a good friend of mine Walt and Jen and look into getting his expertise and helping me get to the next level and I've been sticking with it you know for the past you know several months and took my score from probably say low fours to you know, mid sixes now, so I just got my first unsecured credit card, and I've just been sticking to the script, everything they've been telling me to do, I've been doing it and it works if you work it so I am overly grateful for the tools they've given me and it's helped change my life and my bank account I and credit but a thank you Walt and Jen for everything you've done.

Walt Williams has personally helped me and is the best! He provides excellent service to all of his clients! He comes highly recommended! He is always willing to talk to me no matter what time of the day it is. He makes sure he responds quickly with answers to any questions I have! He is truly passionate about his work!

John C Wagner

Approved Credit Coach has some of the best service and professionalism I’ve seen. Walt and Jen are excellent stewards of service when it comes down to what matters most. They serve to the point where unfortunate circumstance can be transformed to fortunate new beginnings. I work with them personally and I would recommend them to anyone!

Alicia Monet Brown

Approved Credit Coach was recommended by another friend. I've heard of other companies that offer this type of service with no true results so I was very skeptical. However, I needed to do something as my credit had taken a hard hit. Walt was very clear on what was needed to be done and how we were going to achieve this. This was a very smooth process with my credit score improving a little over 100 points in under 4 months.

Randy Baxter

Do you need someone to go toe to toe with a credit bureau on your behalf? Looks at this guy!? Would you mess with him!? Walt and Jen do amazing work for their clients, no matter the situation, helping people advance their financial potential and wait for it...they do it more inexpensively than almost all of their competition! If you have challenged credit this is THE team you want in your corner!

Rob Apple