Welcome to Cooper's

Credit Consulting International


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!


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
Credit Restoration
Credit Monitoring
Business Formation
Credit Card Builder
Rent Reporting service
Speaking Engagement Services


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!
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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

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


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