Better Credit.

Better Life.

Hi, my name is Phelon Grant and I am here to help you get your credit back into shape.


I will help you remove:

☑️Collections

​☑️Late payments

​☑️Negative accounts

​☑️Inquires

​☑️& Much More!

"Phelon is outstanding! He's made the process painless and easy to understand. Very professional, responsive to inquiries, and trustworthy."


Anita Allen, Satisfied Client

Better Credit.

Better Life.

Hi, my name is Phelon Grant and I am here to help you get your credit back into shape.


I will help you remove:


☑️Collections


​☑️Late payments


​☑️Negative accounts


​☑️Inquires


​☑️& Much More!

Why choose us?

There are so many reasons why New Prosperity Credit should be your go-to solution in your search for credit repair space.

Free Consultation

Do you have questions before we start helping you raise your credit score? No problem—ask anything you want with our free consultation.

Personalized Strategy

Your credit situation is unique to you and only you. We build a customized credit strategy to help you reach your goals in the shortest amount of time.

Relax in the Results

We want to help you live the life of your dreams, the life that you deserve by leveraging the power of credit.

Educate clients

We do more than helping our clients improve their credit scores, we also help educate them to increase financial literacy and credit basics.

We know how it feels to just exist with bad Credit

We know how it feels to just exist with bad Credit

After spending all of my savings buying a real estate investment property, I found out that my credit score had fallen drastically because I failed to make a $5 payment!


Unfortunately, I took for granted paying the $5 payment. I assumed missing the $5 payment would not hurt my credit score because I paid all of my mortgage and car payments on time.


But I was wrong, banks turned down my request to finance the investment property because of my bad credit rating. I needed to finance the investment property to re-gain my savings plus $10k extra.


I had anxiety and experienced depression because I felt as if I had wasted all of my savings and ruined my chances of getting all of that extra cash that I dreamed of.


After a few weeks, I started on my path of learning how to improve my credit score to qualify for the loan I desperately needed.


I learned that you really have to know the rules or guidelines to play any game, credit is no different.


Now my purpose and passion are helping others reach their credit goals. That's how New Prosperity Credit was born!.

YOU DESERVE PROSPERITY

YOU DESERVE PROSPERITY

We are here to help you achieve your dreams. Stop Existing, Start Living!


Live life on your terms.


At New Prosperity Credit, we go above and beyond to ensure that you open every door possible.


Unlock the door towards future opportunities.


As a credit renovation service, we empower our clients with clear and transparent solutions that get results!


As your trusted credit specialists, we provide a robust, one-stop solution for all your credit renovation needs.

Here's How It Works

Prepare

Phase 1 begins with shifting to a credit focused mindset , a detailed personal credit analysis, online portal walk-through and an extensive text and email educational series.

Plan

Phase 2 includes credit focused goal setting, clear expectations, client responsibilities and more.

Process

Phase 3 is where we launch our client's customized strategy for deletions and improvements using our proprietary cutting-edge challenge system and industry leading software.

Prosper

Phase 4 provides a New Prosperity lifestyle with a greatly improved credit profile. After completing our program, we will be providing new opportunities, benefits, future goals, and monitoring of our clients.

Check out this great video on how the process works.

More Client Reviews

“Phelon is outstanding! He's made the process painless and easy to understand. Very professional, responsive to inquiries, and trustworthy."


Anita Allen

"Inquired with New Prosperity on a claim which negatively affected my credit score. The associate was knowledgeable and professional. I was guided through the entire process of disputing the claim. My credit score was restored in a matter of weeks. I highly recommend this company because “CREDIT” is the only true currency."



Arthomas Jones

"I'm truly thankful for Phelon Grant who has helped me understand my credit. His knowledge is outstanding and he's dedicated to his clients. I'm pleased with my progress thus far."


Tewanda Murphy

"Mr. Phelon Grant is very knowledgeable, focused, and trustworthy. He has wisdom beyond years. He provides outstanding service all while being patient, dedicating time, and attention to his clients. Before deciding to go with his services. I …"


Shaunte Fason

"I just dont know where to start I owe everything to you Phelon GRANT for showing/helping me understand the Credit World if it wasn't you I promise my Life would not be what it is Now I took a chance and that was the best Chance I have ever taking ..All I did was listen to you and be DISCIPLINED... You told me I Got you and that is what you did ,I just want to say Thanks...naw Me and my family want to say thanks because what you taught me I have help my Wife to get on board....I CANT THANK YOU ENOUGH FOR OPENING MY EYES TO A NEW WORLD....And P.s......GOOD CREDIT IS SEXY"


Demond Shannon

"You will learn a lot about credit reports, credit repair, and the ability to manage and monitor scores. Thank you for leading me in the right direction with my credit scores. What I appreciate the most about New Prosperity Credit is the honesty, professionalism, and results."


Natasha Rosko

Meet The Founder

Phelon Grant, CEO & Founder

New Prosperity Credit

He enjoys helping people win and experience a life of prosperity.


Phelon D’ Artangnan Grant is the CEO and founder of New Prosperity Credit LLC.


With over 15 years of experience working in the credit industry, Phelon is a dedicated, honorable, knowledgeable, and highly professional individual with impeccable track record of noble achievements.


Moreover, his breadth of knowledge and experience have equipped him to provide advise to his clients in every aspect of achieving better credit management outcomes.


Phelon’s understanding of credit laws—how they function, and how they are interpreted is the key to his success.


Having worked in Corporate America for over 26 years where he held several pivotal roles has also gained him extensive leadership and professional experience.


New Prosperity Credit LLC works collaboratively with financial professionals and consumers across the country.


With this company, Phelon, alongside other credit professionals, provide a layout of best course of action to clients who aim to reach their financial and credit goals.

frequently asked questions

Is Credit Repair Legal?

Yes, its legal. The law that allows for insuring the accuracy and disputing inaccurate items on your credit report is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute or challenge any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) or it is not reported correctly, it must be removed. Studies have shown that 80% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that are disputed that are not inaccurate, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say that the account has been verified but not offer proof. This is where we come in and prepare your documents for challenging the verification process which must meet a lot of criteria, but usually does not.

Does It Work?

Credit education and restoration definitely works, but it does take a joint effort between our experts and the clients. Getting reports back to us in a timely manner, following the educational advice, not acquiring any new credit without our knowledge are some of the main factors that contribute to how much success a client will have. The education alone will teach you how to handle credit better and with a score of 720 or higher; the long term benefits can be phenomenal and life changing.

Do removed items come back?

In most cases an item cannot come back once the are removed without the bureau taking the proper steps. In some very rare circumstances this could be different and they may follow the proper protocol when reinserting a previously removed item.

How Long Does it Take to See Results?

On average, our clients receive about a 15 point or higher increase within the first 35 days. Over time, and within the full 180 day term from enrollment, the average increase is about 100 points.

Why do the results vary?

On average clients are able to remove 80% of the negative items from a credit report. At times, the credit bureau and the creditors have made corrections and report everything 100% accurately which leaves no room to have a case against them. When this happens, they have acted within the scope of the FCRA and other consumer laws.

How do credit repair companies restore credit?

Legitimate credit repair companies are organizations led by professionals who help you restore your credit by thoroughly inspecting your credit report for inaccurate, incomplete, untimely or unlawful reporting of information.

At New Prosperity Credit we offer both factual based disputing and compliance based challenge strategies. We have the experience to recognize any non-factual or unlawful reporting errors made by the credit bureaus or data furnishers. We plan a customized strategy, create documents and deliver to the applicable agencies using our proprietary systems to get client information modified or removed.

Can a credit repair company erase poor credit history?

Absolutely! New Prosperity Credit references the Fair Credit Reporting Act (FCRA) and Metro 2 Compliance Checks to modify or erase tradelines that are not reporting fairly and accurately.

No one can legally remove 100% accurate, timely and verifiable negative information from a credit report.

However, nearly 80 percent of all credit reports in the US have inaccurate or incomplete information that needs to be modified. That is a staggering number!


Is it worth paying someone to restore your credit?

Let’s be totally clear, you can improve your credit report legitimately on your own for FREE! DIY credit repair takes time, expertise and knowledge of your credit rights and credit laws. Everyone is allowed to dispute or challenge credit errors on their behalf. However, the DYI method can be time- consuming and confusing.

A credit score is often a time-is-money proposition. If you have a low credit score, and are paying high-interest rates or can’t get credit approvals to live the life of your dreams, we consider it a wise investment to hire a professional to efficiently improve your credit. The quicker you boost your credit score, the quicker you qualify for lower interest rates, which can save you hundreds of dollars each month and thousands over the course of a loan.


How long does it take to restore credit?

The time it takes to restore your credit will vary widely, depending on certain factors – from how many negative items you have, how recent are the negative items, to what goals you want to accomplish once your credit is restored. Most consumers want to restore their credit with a specific goal in mind – like buying a house, car or start a business. At New Prosperity Credit our clients’ average length of time is 6-9 months depending on goals unique to you and your current credit situation.

One thing you can do to expedite the process to better credit is to start building credit while you’re getting items removed and improved through credit restoration. So, stay on top of your payments to create a positive payment history and take steps to reduce your credit debt load so your credit utilization ratio is as low as possible.

This one-two punch strategy is how you go from a bad credit score to a good score in a short time span. Patience, discipline and application are key towards reaching your goals, give yourself at least six months to a year to improve. This will ensure you have time to get the credit you need to live the life of your dreams.


Ready to open more opportunities for your life?

Here' what we will do for you:

  1. Improved credit score
  2. Approvals for Financial opportunities ex. Qualify for major purchases and access to credit lines
  3. Better interest rates which saves money


We all know that credit score matters.

Imagine what comfort, happiness and security it would bring to you and your family if you have a high credit score.

We are here to help you!

Click the button below to get FREE Consultation now!

Ready to open more opportunities In your life?

Here's what we will do for you:

  1. Improve your credit score
  2. Provide assurance in approval for financial opportunities such as; qualify for major purchases and access to credit lines
  3. Better interest rates which saves money


We all know that credit scores matters.


Imagine what comfort, happiness, and security it would bring to your family if you have a high credit score!


We are here to help you.


Click the button below to get FREE Consultation now!

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