Welcome to Cooper's

Credit Consulting International

YOUR DEDICATED CREDIT ADVISOR

Experience Elevated Credit Transformation

If you are looking for a comprehensive credit optimization company to help improve your credit rating and get you on the path to financial success, look no further than Cooper’s Credit Consulting International.

We are an online business that provides our services to clients all over the world, including civilian expatriates and overseas military personnel through secured chat and video conferencing communications.

At Cooper’s, we understand that excellent credit is the key to unlocking affluent doors in life. That’s why our goal is to position customers well with specialized action plans that lead to measurable improvements in as little as 60 days.

We offer a 6-month payment plan to make our services affordable and accessible to everyone. If you’re ready to experience elevated credit transformation, book a consultation with us today. We look forward to helping you achieve your financial goals!

ENHANCE YOUR QUALITY OF LIFE

Select The Ideal Service

At Cooper’s Credit Consulting International, we offer a variety of services to help you improve your credit rating and experience respectable financial growth. Every month, we employ streamlined communication through text, email, video chat, or phone – you decide!

Through one-on-one coaching with a credit repair specialist, we help lead and guide you every step of the way.

Personal Budgeting

Tradelines

Credit Restoration

Credit Monitoring

Business Formation

Credit Card Builder

Rent Reporting service

Speaking Engagement Services

Michael Talavera

WOW! Amazed with this company, especially with Ms. Adrianne Cooper. She said to me at the beginning that she would have some great results within a respectful time concerning my credit, and you know what she delivered. I highly recommend her if you truly want your credit repaired so that you can have a fresh start on your finances. Great job Ms. Cooper!

Raghda Saad Ali

While working with Adrianne, she showed the highest level of professionalism. As a real estate agent, I have referred clients to Adrianne for her extensive knowledge and experience in Credit Consultancy. Adrianne has gone the extra mile for my clients, negotiating on their behalf and giving them their life stability again. She is an excellent negotiator, communicator and very personable and approachable. I am extremely grateful for what Adrianne and her company have to offer. She not only has great knowledge, but she also operates at a high level of business ethics and honesty. I strongly recommend Adrianne for all individuals and agents; you can trust that she will do the job at its best and highest level.

Linda Sessoms

You definitely want Ms. Cooper in your corner! From the first appointment she impressed us with her knowledge, her ability to speak with our creditors in a respectful, but no-nonsense manner and she opened our eyes to several things we had not known as we worked through the process with her! To say we were impressed is an understatement! Thank God we decided to take that meeting!

Stephanie Douglas-Fleming

I was greatly impressed with Cooper's Credit Repair from the moment that we became acquainted! I was treated with such respect and genuine care!! The owner, Adrianne Cooper, assisted me herself and accomplished feats I didn't even think we're possible. The main thing I must point out is that I accrued $80,000 over my higher education career, and then became permanently disabled and was not able to use the master's degree that I had earned. Cooper's Credit Repair worked with my student loan lender and had my loans totally forgiven!!! I cannot say how appreciative I am and how much this does for my life. She maintained quick responses to any questions I had. Best customer service ever! No pressure for me to do anything. Just diligence and honesty. Thank you Cooper's Credit Repair!

Rebecca Sellers

Adrienne’s service have helped my husband and my credit go up into the 700’s. I never thought I could get back there again but she got us there by helping us execute plans to pay off debt and even further uncovering debt we had no idea was still looming. She has been the best accountability we need at this time in our lives. Thank you!🙏🏿🙏🏿🙏🏿

FINANCE NEW BEGINNINGS

The finance world is always evolving and fluctuating with the changing market. Utilize these free resources to begin the journey to achieving your personal financial goals!

The Psychology of Spending – Feeling At Home With Buying A Home

August 23, 2022 No Comments

It is the quintessential American coming-of-age story: buying your first home. You’ve probably shared your enthusiastic dream with your spouse or loved ones, started budgeting

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FAQ

We know you have questions and our friendly customer service team is ready to listen! Take a look at the most commonly asked questions below to see what other people just like you are interested in knowing about our client-centric services.

1. What is a credit score?

A credit score is a numerical representation of your creditworthiness. It is calculated based on your credit profile at one or all of the three major consumer reporting agencies (CRAs). Lenders use it to determine whether or not you are a good candidate for a loan or credit card. The higher your credit score, the better your chances of getting approved for a loan with favorable terms.

2. What are FICO Scores?

FICO scores are the most widely used credit scores. They are created by the Fair Isaac Corporation and range from 300 to 850. Billions of lending decisions are made every year based on the financial information in consumer credit profiles. The higher your FICO score, the better your credit profile looks to lenders.

3. What is a good FICO Score?

The specific “score cutoff” is determined by the lender. Generally, a score of 650 or above is considered good. Scores below 580 are considered poor and may make it difficult to get approved for loans or credit cards.

4. Why are my scores at each of the three CRAs different?

The three CRAs, Experian, Equifax, and TransUnion, each have their own distinct credit scoring models. This is why your scores may vary from one CRA to another. However, all three CRAs use similar information from your credit profile to calculate your score.

5. How long will negative information remain on my credit files?

Negative information, such as late payments, collections, foreclosures, and bankruptcies, can stay on your credit files for up to seven years. Depending on the situation, in the case of bankruptcies, 10 years may be the golden timeframe. However, the impact of negative information on your credit score will lessen over time.

6. Do I need to keep my utilization ratio below 30% to have no impact on my score?

No, you don’t need to keep your utilization ratio below 30% to have no impact on your score. The 30% is a general guideline for best credit practices, but your score will not be negatively impacted if you exceed that threshold.

7. What are the different categories of late payments and do they affect FICO Scores?

There are four different categories of late payments for creditors: 30 days, 60 days, 90 days, and 120+ days. All late payments will appear on your credit report and will have a negative impact on your score. FICO Scores determine the severity of late payments by how recent, how frequent, and how severe the debts accrued appear to be. The severity of the late payment will determine the amount of points deduction from your score.

8. How do public records and judgments affect a FICO Score?

Public records and judgments can have a severely negative impact on your score. They will stay on your credit report for up to ten years and can make it difficult to get approved for loans or credit cards. Public records such as divorces are not included while bankruptcies, tax liens, and judgments are.

9. What are inquiries and how do they affect FICO Scores?

Inquiries are requests made by creditors to review your credit report. They can hurt your score, but only if they are made within a short period of time and considered to be “hard inquiries”. Multiple inquiries in a short period of time can be interpreted as a sign of financial distress and will lower your score. “Soft inquiries”, on the other hand, are not considered when calculating your score and will not have any negative impact. Examples of soft inquiries are when you check your own credit report or when a creditor checks your report for pre-screening purposes. Examples of hard inquiries are when you apply for a loan or credit card.

10. How are FICO Scores calculated for married couples?

For married couples, each person has their own credit file and FICO Score. However, if you have joint accounts with your spouse, those accounts will appear on both of your credit reports. Therefore, the payment history and balances of those accounts will impact both of your scores. It’s important to keep up with payments on joint accounts to maintain a good score for both you and your spouse.

11. If lenders have different lending requirements, how can I know if I qualify for affordable financing?

Lenders have different lending requirements because they each use their own underwriting standards. To find out if you qualify for affordable financing, it’s best to compare offers from multiple lenders by contacting each lender directly to receive their specific requirements. Keep in mind that the lowest interest rate isn’t always the best deal, so be sure to compare the total cost of the loan before making a final decision.

Cooper's Credit Consulting International
2524 North Broadway Suite 509
Edmond, OK 73034

[email protected]

Cell: 520.895.2555
Office: 405.762.3999
Toll-free: 1.800.686.1995
Fax: 1.866.311.0009

Welcome to Cooper's

Credit Consulting International

YOUR DEDICATED CREDIT ADVISOR

Experience Elevated Credit Transformation

ENHANCE YOUR QUALITY OF LIFE

Select The Ideal Service

FINANCE NEW BEGINNINGS

The Psychology of Spending – Feeling At Home With Buying A Home

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