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Improving your Credit, Raising your Scores and Getting you out of Debt is our Mission!

 Welcome and thank you for inquiring about our services.  My name is Valeri A. James and I am the founder and President of Simple Solutions Credit & Debt Consulting, Inc.  For over 28 years I have personally helped thousands of clients improve their credit, raise their credit scores, establish new credit, understand all their credit and debt options, and utilize their consumer rights under State and Federal laws. 

Let our trained and experienced team of Certified Credit Consultants™ help you if you are experiencing any type of credit or debt problems.  Our passion and mission is to help you improve your credit, raise your credit scores, and get you out of debt.  We can provide a free confidential consultation for you by calling:  (928) 308-0984 or (888) 303-7722  
How we can help you: 
Credit Education – we can educate you on:  reading and understanding your credit reports, improving your credit, how to maintain good credit, prioritizing your debt, stopping collection calls, Credit Identity Theft and much more.  We can answer the most difficult questions that clients ask.

Credit and Debt Consulting – helping clients who are experiencing credit and debt problems, providing all 9 debt options to relieve stress and get you back in control of your financial future.  We are the only company in the U.S. who will give consumers ALL of their options and not just one or two.  Our advice is fully legal in all 50 states. 

Credit Repair, Rebuilding or Establishing Credit – utilizing federal laws to help improve your credit, raise credit scores so you can purchase a home, vehicles, lower insurance premiums, credit cards, and obtain better jobs without having to wait 7 to 10 years for bad credit to fall off your credit reports. These consumer protection laws can help correct or delete the following in as little as 3 weeks or possibly longer:  Short-sale, foreclosure, bankruptcy, collection, charge-off, repossession, tax lien, judgment, late payments, inaccurate personal information, inquiries and more. And ... for those clients who do not have any credit or too little credit, we can help establish new credit accounts in just 2 weeks.

Debt Settlement – a great option if you cannot fully pay your credit cards, medical debt, repossession or 2nd mortgage, or if you can't qualify for filing bankruptcy.  Most debts can be settled down to approximately 20% to 30% in most cases saving you hundreds to thousands of dollars.  We can settle debt lower than any other debt settlement company in the U.S. and are way less expensive too.  

What we are NOT:  Credit Counselors or Debt Consolidators (these companies only consolidate your debt, paying back 50-100% and get a kick back from your credit card companies plus it can hurt your credit reports); Rapid Re-Scoring (some mortgage companies provide this service but you have to have documented proof, we do not); Debt Management Company (these companies will put you on a Debt Management Plan (DMP) to have you pay back a huge portion of your debt plus charge up to 33% fees). 


Why are we better:  In a nutshell, we can improve your credit reports, not hurt it; we raise your credit scores; we answer all of your questions; we organize a strategy to get you out of debt; and if you need to pay your debt or are being sued - we can teach you how to settle your debt or we can do it for you for a small flat fee.  All of this saves you thousands of dollars!
Easy Steps to obtain Better Credit: 
1.     Obtain credit reports:  If you have a recent copy of all 3 of your credit reports, please forward them to us.  Or you can get them for $1 at:  www.CreditCheckTotal.com for all three credit reports with all three credit scores.  Just simply email them to:  This e-mail address is being protected from spam bots, you need JavaScript enabled to view it   or fax them to:  1-800-723-4192.                                                                                                                                                                                      
2.     Review credit reports:  we will go over your credit reports free of charge to see what items that need to be corrected or deleted under federal law and which of our credit repair programs will be the most advantageous for you.  Unlike other companies, we will inform you of what debt(s) you should pay in order to prevent you from being sued and what your legal options are if you choose not to pay them.                                                                                                                                                                                                                           
3.     Two Credit Repair Programs available:  Simple Credit Repair Program™ or the fastest - the Extreme Credit Repair Program™ that gets accounts deleted (results of 98%) in just 2-3 weeks.  Once we go over your credit reports, we will discuss which program will be best for you, time and cost wise.  Typical fees can vary upon program.  From free info/advice and upwards of $900/individual to $1500/couple. Both programs may be less depending on work involved.  Payment options are available.                                                                                                                                                
4.     Begin Credit Repair Process:  Sign required documents to so you can get back on track to having great credit and a brighter financial future! We will do the work so you don't have to.                                                                                                                                                      
5.     Get educated:  Once you start the program, we will send you our credit and debt eBook called:  “Improve your Credit, Save Money and Get out of Debt”.  Written by our founder, Valeri A. James, it is packed with lots of information to help you understand more about credit, debt, stopping collection calls, getting sued, prioritizing debt, budgeting, saving hundreds on purchasing/leasing a vehicle, divorce and debt, and much more.                                                                                                                                                            
6.     Great Results:   Once you have received your updated credit reports with positive changes, make a copy for yourself and forward the originals to us.  Within 24 hours we will process your results in our secure credit repair software called SimpleDocc™ and email you your exact results or ... you can log into our software system to see your results at anytime 24/7.                                                                                                                                                                                                                     
·       Since we have been in this business for 28 years, we have gotten great results for our clients in raising their credit scores from a few points to 189 points in as little as 4-30+ days.
 Call us at:  (480) 786-1234 or email us at: 
  This e-mail address is being protected from spam bots, you need JavaScript enabled to view it    Let's get you back on track to having great credit soon!  
Valeri A. James
Valeri A. James  
Founder/President, Author and Professional Speaker


The following topics will be covered in my book 'What you Must know to have Better Credit and be Debt Free':  (eBook is free to all clients or you can purchase it for $40) 


·        Credit:  Why it is so important

          What the Credit Reporting Agencies don't want you to know and why 

·        Benefits of Having Good Credit

·        How to Achieve Better Credit and Higher Credit Scores

·        How to add good credit in 2 weeks

·        Prioritizing your Debt in Tough Times

·        What Debts you should always pay and why

·        In Debt? We give you ALL of your options

·        Stop Harassing Collection Calls - NOW!

·        Establishing good credit or more credit

·        Statute of Limitations: How long a company can sue you for & why its important to know

·        Repossession info:  What to do if you can't afford your vehicle any longer

·        Credit Identity Theft: How to protect yourself or what to do if you are a victim

·        Secret phone numbers: Stop the junk mail and irritating sales calls and more

·        FAQs:  Factual answers to difficult questions 

·        How to Save Time and Money buying your next vehicle

·        How to read your credit reports

·        Get out of ChexSystems or Telecheck if you wrote a bad check

·        Decide if you need to file for Bankruptcy

·        How to legally negotiate your debt down to save you as much as 70% to 80%   

·        How to lower your interest rates on credit cards, insurance, vehicles, and your mortgage

·        How to Establish new credit in 2 weeks

·        Teach you all your credit rights

·        Debunk the myths and get you the facts on credit and debt options

·        Fill out credit applications properly to improve your chances of getting a loan

·        Learn how to keep good credit for the rest of your life!  


Call today for a FREE Confidential Consultation  #1-888-303-7722  




Repair your credit in as little as 45 days.





Simple Solutions follows all State and Federal laws including the Credit Repair Organizations Act.

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