CREDIT REPAIR
We help individuals take control of their credit and build a stronger financial future. Our credit repair services are designed to identify inaccuracies, challenge unfair negative items, and guide you toward healthier credit habits—all with transparency and integrity.
Beyond disputing errors, we educate you on how credit works so you can make informed decisions long after our work is done. Whether you’re preparing to buy a home, secure funding, or simply want peace of mind, we’re here to support you every step of the way.
No shame. No shortcuts. Just real strategies, real education, and real results.
We Remove : Student loans, Bankruptcies, Repossessions, Collections, Hard Inquiries and more
TAX PREPERATION
We provide accurate, stress-free tax preparation services designed to help individuals and small businesses file with confidence. Our goal is to ensure your return is prepared correctly, maximize eligible deductions and credits, and keep you compliant with current tax laws.
Whether you’re filing a simple return, self-employed, or need help correcting past filings, we take the time to understand your financial situation and offer clear, honest guidance every step of the way. No judgment, no confusion—just reliable service and results you can trust.
Let us handle the numbers so you can focus on what matters most.
Financial Advisory Services
We provide personalized financial advisory services designed to help individuals and families build, manage, and preserve long-term wealth. Our approach is grounded in careful analysis, disciplined strategy, and a deep understanding of each client’s unique financial goals.
From investment planning and retirement strategies to risk management and wealth preservation, we deliver objective guidance tailored to your needs. We prioritize transparency, integrity, and informed decision-making, ensuring our clients feel confident at every stage of their financial journey.
Our mission is to simplify complex financial decisions and provide clear, strategic solutions that support lasting financial security and growth.
Deja is a financial advisor dedicated to educating individuals, small business owners, and self-employed professionals on building strong credit, filing taxes correctly, and providing beneficial financial advise. Her approach focuses on clarity, compliance, and empowerment, helping clients understand their financial situation while making informed decisions with confidence. Through education and personalized guidance, Deja simplifies complex financial topics and supports long-term financial stability for the people and businesses she serves.
CONTACT INFO :
Telephone Number : (754) 457-3408
Social Media Platforms :
@ GLDN FINANCIAL SERVICES
Email Address: GldnFinancialServices@gmail.com
Business Hours : Mon - Sat
8am - 8pm
CALL , TEXT , EMAIL , OR DIRECT MESSAGE ME FOR SERVICES , QUESTIONS OR INQUIRIES
SCHEDULE YOUR FREE CONSULTATION TODAY!
Let's Get To Work!
SCHEDULE YOUR FREE CONSULTATION TODAY!
Let's Get To Work!
Frequently Asked Questions :
1. What services do we offer?
We offer comprehensive financial services designed to support and empower our clients.
Our services include Credit Repair, where we work to improve your credit profile while educating you on how to maintain a strong credit score long-term. We also provide Tax Preparation Services, ensuring accuracy and helping you secure the maximum refund you deserve. In addition, we offer Financial Advising Services, tailored to address and resolve financial challenges based on each client’s unique situation and the information they provide.
2. Who do we service?
Anyone who needs services! such as Individuals, families, couples, self-employed individuals, freelancers, retirees, business owners and more.
3. What impacts my credit score the most?
Payment history (35%)
Credit utilization (30%)
Length of credit history (15%)
Credit mix (10%)
New credit (10%)
4. How can I rebuild credit after negative items?
Focus on:
Paying all bills on time
Lowering credit utilization (under 30%, ideally under 10%)
Keeping old accounts open
Using secured credit cards responsibly
Becoming an authorized user (with caution)
5. What is the difference between credit repair and credit counseling?
Credit repair: Focuses on correcting credit report errors.
Credit counseling: Helps with budgeting, debt management plans, and financial education.
6. How long does negative items stay on my report?
Generally:
Late payments: 7 years
Collections: 7 years
Charge-offs: 7 years
Bankruptcy:
Chapter 7: 10 years
Chapter 13: 7 years
Hard inquiries: 2 years (affect score ~12 months)
7.What items can be removed?
Potentially removable items (if inaccurate or unverifiable):
Late payments
Collections
Charge-offs
Repossessions
Bankruptcies (if reporting errors exist)
Hard inquiries (if unauthorized)
Accurate, verifiable information usually cannot be removed early.
