Credit Theory

😭 I just want to help you maximize your spend

Celebrating a sunny day in Chicago by delivering our disputes in a pretty basket ☺️

🥳 Credit coaching is by far my favorite part of my business!

Don’t be scared to negotiate collections! They purchased your debt for pennies and are profiting every time you pay.

If you don’t like their offer, hang up and try again another day. You might just end up with a better offer 😉