When you need to apply for a new type of financing, whether it’s a credit card or a car loan, you might start paying attention to what kind of credit score you have.

After all, lenders use that number to determine whether or not you’re approved, and if you are, what kind of interest rate you’ll be charged.

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Think you have fair credit?

Keep reading to get your credit score, what it means to have fair credit, and how you can start improving your credit history to access better interest rates and financing terms.

What does it mean to have a fair credit score?

FICO, the most widely used credit…


BOARD CERTIFIED CREDIT CONSULTANT

Mani Hatami being one of two founders of Zenith Financial Group is a Senior U.S Board Certified Credit Consultant in the areas of Credit Repair and Debt-related issues. Being well aware of the Fair Credit Reporting Act consumer rights and regulations, he has solved more than hundreds of personal and business credit-related cases. With his proficiency in the field of credit, he is determined to promote the credit culture and takes positive steps into spreading financial literacy in traditional and nontraditional media. His cultural activities include series of radio shows which are broadcasted through KIRN Radio Station 670AM and publishing various articles through the Persian media in the United States.

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Zenith Credit Repair — Mani Hatami

It varies case by case. If there are inaccurate negative items reported on your credit, there is a high possibility that those will be successfully disputed and you could see improvements in your credit score in 4–6 months. On the other hand, if they are accurate negative items reported on your credit, chances are, it’s going to take longer than 6 months. There is no definite deadline.

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It varies case by case. If there are inaccurate negative items reported on your credit, there is a high possibility that those will be successfully disputed and you could see improvements in your…


Fix Your Past

We will Challenge the items you identified with your creditors and/or the credit bureaus. We will reach out to the creditors and help resolve the issues in a timely manner. We also interact with the credit bureaus to make sure that the correct information is being reported to your credit.

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Supervise Your Present

Our credit monitoring service will keep you aware and updated about any changes that are taking place on your report. Based on the analysis done on your report, we will provide you with information and advice you on the impact of the reported items on your score.


In this challenging modern society of quick information and false representations, companies that help the development of people have become the backbone of the communities they work with.

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We help people with their Credit issues, ensuring that the people of our community are being represented fairly in their credit reports. We strive to spread financial literacy with the consultations we offer. Hoping for a day where people would have the ability to use the knowledge they have gained in managing their finances effectively for a lifetime of financial security. The goals we have reached and the visions we have yet to achieve all rely heavily on the presence of our personnel. We are truly proud of our team of experts and appreciate their hard work into helping their community.


Zenith Financial Group DBA Credit Repair Experts is a credit restoration company that works with clients to improve credit profiles by challenging questionable, inaccurate, outdated, misleading and or unverifiable data on consumer credit reports.

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What We Do? We understand the unforeseen can happen. We believe everyone deserves a second chance and our credit experts are here to help you. We work with you to help you attain the highest best credit possible…and give you the knowledge to keep it that way. Your “best interest” is our goal.


Your debt to income ratio is a crucial figure, especially when you apply for a mortgage, home equity loan, or another large personal loan.

By understanding what it is and what your target number should be, you can use your debt to income ratio to help get qualified for some of the best loans available.

Read on to find out how your debt to income ratio could affect your next loan application.

What is a debt to income ratio?

Debt to income ratio compares all of your monthly recurring debt to your monthly income to determine how easily you could potentially handle new, additional payments.

It’s a…

Mani Hatami

Mani Hatami, founder of Zenith Financial Group is a Senior U.S Board Certified Credit Consultant in the areas of Credit Repair and Debt-related

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