“5 Star without a doubt. My credit was in very bad condition and I was really embarrassed and concerned about my future regarding my finances & credit. With bad past financial difficulties and poor decision making my credit got way out of hand.

My wife and I were trying to purchase a home but were being held back by irritating credit issues. We were recommended by our Residential Mortgage Lender that is helping us get into a home, to Mike with Credit Repair Panda to help us resolve these credit issues. I have to say hands down from the very first phone call that Mike has been very proficient, from the beginning he explained everything well enough for us to understand the process clearly and has done a good job with communicating throughout the process. He has amazingly got my credit score above where it needed to be in order to move forward with the purchase of our home.

I personally recommend Credit Repair Panda, especially Mike, to anyone in need of someone well qualified, friendly, straight forward and professional. ”

“My bad credit has been bringing me down my entire life. I made bad decisions when I was younger that hurt my credit and had some medical emergencies that I couldn’t afford. Because of all of this I have always paid hefty deposits for my apartments, my insurance has always been expensive, my interest rate on my vehicles have always been 16% or higher, and I even got turned down for a job a few years ago. I guess I just got used to it. I thought this is how life is. This was my punishment.

I knew something had to change when I went to purchase my home. I was turned down for a loan from multiple companies. My highest score was a 528. The only place that would approve me was going to give me a 7% interest rate. I knew after all these years with high interest on my cars, that I just couldn’t even consider paying 7% in interest on a home. I couldn’t continue throwing money away for rent. I hated the neighborhood I was living in and, more importantly, I was afraid to let my two boys go play outside because on the neighborhood that we lived in.

One loan officer told me to call Credit Repair Panda. I did research on the company and was very pleased with what I found. However, when I researched general credit repair online, I heard horror stories. I became really skeptical of the idea of credit repair. I just knew that I had to do something. I called Mike. He told me that if he couldn’t help me he would tell me. That put me at ease. He looked over my report and said that I would be a good fit for the program. After he went over the report with me and answered all of my questions, I decided to move forward with the program. After 33 days I began to see results. I saw my scores increase and collection accounts deleted. Mike kept me in the loop the entire way through the program and answered all of my questions. He set me up with two credit cards and taught me how to manage them. This was exciting for me. I haven’t been approved for a credit card in years.

I was in the program for around 4 months. Guess what? I got my keys to my home three weeks ago! I went back to the loan officer that originally told me no and I was approved! I’m going to finance some new furniture this weekend so I can furnish my new home. Best of all, my children are safe to play outside. My scores that were in the low 500’s are now in the 700’s. I’m now saving $50 on my insurance every month and over $100 on my car payment after refinancing. I look back and wonder why no one told me about this before. All the money, time, and stress I could’ve saved myself is mind blowing. I’m so grateful to Mike and the entire team at Credit Repair Panda. I no longer have this dark cloud over my head that says I have to pay more for everything because of my younger years. I have freedom! Thank you!”