Credit Restoration

Claim your free credit consultation today!

Claim your free credit consultation today!

is Cornelius Financial Solutions right for you?

How We Can Assist You

Mistakes in credit reports happen a lot and can be tough to find. Some mistakes break the rules but might seem fine on your report. We know how to find these mistakes and have a way to help you fix them.

If you want to make your credit scores better, we can help. Getting your credit score up can be tricky, and the fixes might surprise you. We can tell you what things to do to get the most out of your credit scores.

How We Cannot Assist You

We don’t have a fix for real debts. Fixing credit isn’t a substitute for settling genuine collections. If you’re struggling to pay bills or dealing with debt collectors, Cornelius Financial Solutions isn’t the right choice for your situation.

If you’re dealing with genuine debt problems, put your efforts into finding a solution before thinking about credit repair.

Your Credit Restoration Journey

The Consultation

When you connect with Cornelius Financial Solutions, you’ll team up with an experienced professional dedicated to helping you achieve the credit score you deserve. This expert will thoroughly explain the steps needed to improve your credit rating, making sure you understand the process every step of the way. Additionally, they’ll craft a personalized plan designed specifically for you. This tailored approach ensures that your credit scores accurately reflect your financial history and analysis, giving you the best possible representation of your creditworthiness.

The Analysis

Our Analysis is a detailed report that pinpoints any potential issues reflected in your current credit report. We’ll carefully go through this report together, examining each line to spot inaccuracies or outdated details. Then, we’ll strategize and create a plan of action to address these issues effectively.

The Decision

As our consultation wraps up, we’ve addressed the details of your credit analysis and answered all your questions. Should you choose to move ahead with us to restore your credit, you’ll join us as a valued client. Your decision matters, and we’re here to support you every step of the way in improving your credit health.

Continuing as a client

As A Client

After joining us as a client, we conduct a comprehensive analysis of your entire credit history. This audit meticulously identifies any differences among the three credit bureaus and compiles a detailed report. This report sets the stage for the next steps in fixing any discrepancies as part of the credit reconstruction process.

As a client, you’ll gain access to a wealth of resources, education, and opportunities aimed at enhancing your understanding of credit matters. Additionally, you’ll have the chance to establish new credit avenues. We’re committed to providing you with the tools and knowledge necessary to help you build a stronger credit foundation.

Client Portal

Inside our client portal, you’ll find your credit reports and scores readily available. You’ll enjoy the convenience of real-time updates on the progress we make.

Client Account

Creating an account on our website grants you access to a range of benefits: educational resources, opportunities to build your credit, and a treasure trove of information to support your financial journey.

Credit Education

We offer an introductory course divided into three modules, providing a solid start to understanding credit. Additionally, our comprehensive credit education program spans across twelve modules. These modules cover various aspects in detail, offering a thorough and in-depth understanding of credit-related topics. Whether you’re looking for a quick overview or a deeper dive into credit education, we’ve got you covered with these structured courses.

Credit Opportunities

Within your access, you’ll find a selection of secured credit cards, unsecured credit cards, and credit building loans available for you to apply. Additionally, we provide access to specific credit building programs, all designed to assist you in establishing or enhancing your credit. With these options readily accessible on our site, you can explore and choose the best-suited credit-building opportunities to help strengthen your financial foundation.

Get Started Today!

Sign up in 90 seconds to start restoring errors on your credit report and boosting your score. 

We handle your information with the highest level of care and respect, just as we would with our own. Safeguarding your data is a top priority for us, ensuring that it remains secure and protected throughout our interactions.

FAQ

Credit Restoration

Why should I choose Cornelius Financial Solutions?

In addition to our commitment to removing negative and inaccurate information from your credit report, we equip you with valuable information and knowledge to boost your credit score. Moreover, we offer programs designed to help you gain mastery over your finances.

The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.

Can I repair my own credit?

Absolutely, Check out our DIY webpage. You could hire us for the convenience of dealing with the headaches working with the credit agencies and your creditors.

How will I know if progress is being made?

We provide you access to your own client portal where you will see all of your information including Scores, Dispute Status and details, all correspondence sent on your behalf,  plus resources to assist for a complete financial restoration.

How much will this cost?

Our Single Plan is $89.99 monthly and our Couple Plan is $149.99 monthly

Do we have to be married to get the partner discount?

Not at all, If you live together and your finances are mingled we invite you both to sign up and will give you the discount!

Do you have a refund policy?

We stand behind our work and if we fail to get any items deleted from your credit report within 180 days, we will give you a full refund of all fees you have paid to us. The burden of risk falls on us 100%

How would I cancel service?

You would either send a message from the client portal, by email or phone.

Is there a charge to cancel?

Nope, since we do not have service contracts, there are no surprise charges!

Scroll to Top

January 12, 2024

The Biden-Harris Administration announced Friday a new student loan forgiveness plan that was previously scheduled for July that could erase the debt of some borrowers enrolled in the Saving on a Valuable Education (SAVE) plan.

The initiative, which is set to launch in February, will provide debt relief for borrowers who have made 10 years of monthly payments and have an original principal balance of $12,000 or less in loans.

TIME
Solcyre Burga
Contributor
January 12, 2024, 11:16am EST

December 19, 2023

Many borrowers who have government-held student loans, including Direct loans and a subset of Education Department-owned FFEL loans, will receive the IDR student loan forgiveness credit associated with the account adjustment automatically. “The payment count adjustment is automatic for Direct or federally managed FFEL loans—no application required,” reiterated the department in the new guidance.

But other borrowers may need to consolidate their loans via the federal Direct loan program to qualify or maximize the benefits. This includes those who have commercial FFEL loans and other non-Direct federal student loans, as well as borrowers who have multiple federal loans with different repayment histories; under the adjustment, borrowers who consolidate loans with different IDR and PSLF payment counts will receive the highest amount of loan forgiveness credit on the new Direct consolidation loan based on the underlying loan with the longest history, according to the department.

The deadline to apply for a Direct consolidation loan to benefit from the account adjustment had been December 31. However, the department has now extended the deadline to April 30, 2024, giving borrowers an additional four months.

“Borrowers with commercially managed FFEL or Perkins loans should apply to consolidate as soon as possible—but no later than April 30, 2024—to get the full benefits of the adjustment,” says the department.

FORBES
Adam S. Minsky
Senior Contributor
December 19, 2023, 09:41am EST

December 18, 2023

Nearly 9 million borrowers missed their first student loan payment after the pandemic-related pause ended this fall, the Department of Education said Friday.

That means roughly 40% of the 22 million borrowers who had bills due in October did not make payments by mid-November.

Bringing so many borrowers back into repayment at the same time was expected to be a challenge. The new data is the first glimpse into how many people may be struggling to afford their student loan bills after the three-plus-year freeze.

For comparison, fewer than 26% of borrowers missed their payment in October 2019, before the pause went into effect, the Department of Education told CNN.

But borrowers who miss payments through September 2024 won’t face significant penalties thanks to an on-ramp period created by the Biden administration. During that period, borrowers won’t be reported as delinquent or in default to the three national credit bureaus. But interest will continue to accrue.

“While most borrowers have already made their first payment, others will need more time. Some are confused or overwhelmed about their options,” Undersecretary of Education James Kvaal wrote in a blog post Friday explaining the new repayment figures.

It may take time for some borrowers to figure out how much they owe each month and how to fit the payment back into their budget after the long pause. Some may want to enroll in a different repayment plan to reflect possible changes to their financial situations.


CNN Politics
Katie Lobosco
Contributer
December 18, 2023, 3:08 PM EST

December 18, 2023

President Joe Biden’s administration announced an additional $4.8 billion of student loan forgiveness related to fixes made by the U.S. Department of Education to income-driven repayment (IDR) forgiveness and Public Service Loan Forgiveness (PSLF).

That brings the total approved student debt cancelation by the Biden administration to $132 billion for more than 3.6 million Americans, according to the White House. 

“From Day One of my Administration, I vowed to improve the student loan system so that a higher education provides Americans with opportunity and prosperity — not unmanageable burdens of student loan debt,” Biden said in a statement. “I won’t back down from using every tool at our disposal to get student loan borrowers the relief they need to reach their dreams.”

Roughly $2.2 billion in student loans were forgiven for nearly 46,000 borrowers through fixes to IDR that will provide borrowers with an accurate count of progress toward forgiveness and address longstanding concerns about misuse of forbearance. The Biden Administration has now approved almost $44 billion in IDR relief for nearly 901,000 borrowers.

Another $2.6 billion in debt was forgiven for 34,400 borrowers through PSLF. This includes borrowers who have benefited through the limited PSLF waiver and ongoing regulatory improvements to the programs.

FOX BUSINESS
Nora Colomer
Contributor
December 18, 2023, 11:25am EST

Verified by MonsterInsights