Late Payments Deleted


Charge Offs/ Collections Deleted


Bankruptcies Deleted


Happy Clients

What we can guarantee is that we will always make you our priority, because your credit and financial health is a priority to you. ”

Dr. Jacqueline Daniels C.I.S. (The Credit Doctor)

Credit Examination

Maintaining a clean, healthy credit profile is essential to your financial health. It can affect every aspect of your financial life, including: obtaining credit, mortgage, auto loan or even employment opportunities.

Just as a client seeks a traditional doctor for medical prognosis, same care is needed when seeking help for credit issues. Initially clients seek our help to resolve credit challenges that prevent them from obtaining the things they want.

What's Holding You Back?

Late Payments

Charge Offs



Tax Liens

Student Loans



Medical Bills

Child Support



What Our Clients Are Saying

Your service is great! My credit report is all cleaned up! I can't believe it! The other two bureaus are almost clean too.

C. Hollister

Thank you very much! To date, I have been quite pleased with your service and happy to report that my credit is very good now.

J. L. McKinzie

Now this is what I call SERVICE. I can't wait to see the negative entries fall off my other reports as well! Thanks a million!

H. Lively

Copyright @ PHD Credit 2020 All Rights Reserved

A Division of The Jack Lamar Group

About Us

What separates PHD Credit from the competition is simple, we help people to establish and build a solid and well-rounded credit foundation so that they can qualify mortgage or auto loan; more importantly, we are a company that brings results.