A personal note from Erica Thomas, Owner and creator of Garnet Financial Consultants...
I know what it feels like to be a situation where no matter what you do, you can never seen to come out of debt.. Or even after planning and saving, trying to come to terms the debt collectors.. The harassing phone calls just keep coming. The past due statements continue coming in the mail.. I know what it's like to walk into a car dealership and falling hard in love with car I had always wanted, knowing I can afford it, but can't get a loan. Just decline after decline.
​And be able to provide a service that's 100% transparent, and 100% honest! But most importantly, AFFORDABLE!

​What you could expect from our credit restoration services!

Boosting your credit score is our mission! And we work hard for you to get the following things on your credit report taken off.
Hard inquire's REMOVED!
Error's on your credit report REMOVED!
Inaccurate account's REMOVED!
Old debt's REMOVED!
 Unverifiable Collection's REMOVED!
We've even gotten Bankruptcy's REMOVED! 
Repossessions REMOVED!
​Medical bills REMOVED!
Charge-offs REMOVED!
​Accounts sold REMOVED!
Foreclosures REMOVED!

Results you could possibly get with our service!

These are just a few of the benefits of having good credit!

  • Access High Limit Credit Cards.
  • Turn Denials Into Approvals NOW.
  • Get Pre-Approved For for dream Home.
  • Increase Your Purchase Power. 
  • Shockingly low interest rates.
  • Get ​Access to Ultimate Credit Building Tradelines.
​If you have ever been told thing like...
➡ "I'm sorry, but the bank can't approve you."
➡ "You have to many past due account's for this loan."
➡ "Try paying off some of these old debts before applying for a home"


It's only $49 for the first enrollment then $99 a month for this limited time offer!
All backed by our 180 day money back guarantee!

What is your 180 day money back Guarantee?
​You are entitled to a 100% refund on all monthly payments if:
  • We are unable to have inaccurate and erroneous items removed within 180 days.
  • You have had six months from the time you retain our services with no results.
  • You have at least four negatives on the credit report at the time of sign-up.
  • You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
  • You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
  • You should receive updated credit reports every 15-45 days and make us aware if updated reports have not been received.


​Who am I?

Erica Thomas, the CEO and Founder of Garnet Financial Consultants, has been in the Finance and Accounting industry for over 15 years.  Erica is a Board Certified Credit Consultant, a member of the Credit Consultants Association, a Consumer Credit Advocate, Financial Advisor, Notary Public and Tax.

As a teenage mother, Erica had to learn to be independent and become an adult at a very young age.  She worked very hard to put herself through school and raise her beautiful baby girl.  Unfortunately, with that came a lot of hardship and struggle.  The hardship and struggle included losing jobs, losing apartments, losing cars and damaging her credit all while trying to survive and raise a child as a single mother.  Erica made a promise to herself that she would not only work hard to get herself out of the hole, but she would also teach herself to fix her credit and build a positive financial future for her and her family.

Now that Erica has fulfilled her promise to herself and her family, she is excited to give back by helping others that are having those same struggles that she had to endure.  One of her best joys of launching Garnet Financial Consultants, is that she is able to change people's lives!  She is looking forward to educate consumers and working hard to get customer's results!

We are not a Credit Repair company, we are a Financial Consulting company that offers Credit Restoration, but we also educate as well, and we guarantee honesty and dependability, virtues which most people seem to have forgotten.  Although anyone is able to do credit restoration on their own, we are here to help you to achieve results in a fraction of the time without making costly errors. Thank you for your time and God Bless!

These are just a few benefits of having excellent credit!

▪️How to improve their current score .
▪️How to get in the best credit position to qualify for big-purchase loans
▪️The power of scoring the lowest interest rates
▪️The knowledge on how good credit makes life way less expensive. I’ve been where you are, so I am the best candidate to help you turn you financial situation around.
SIGNUP TODAY!!!

​Don't just take my word for it, Here's some reviews from our customers!

Frequently Asked Questions

Q: What makes your company different from other credit repair companies?
We don't only work to remove the negative, inaccurate information from your credit report. We also give you the information you need to increase your credit score.  Credit education is just as important as restoration.  We are here to provide both.
Q: When will I start to see the results on my credit report?
Everyone's case is different, however it is not uncommon to start seeing results within 30 to 90 days.
Q: What will I get when I sign up for the program?
Once you complete the sign-up process, you will get a phone call or email from me or my team members. Then we will begin working on your credit report to remove any inaccurate information. The program also provides you with the information you need to keep working on raising your credit score. 
Q: How Much Will I Have to Pay?
You will need to pay a credit analysis fee of $49 in the beginning. During this process, we will give you a detailed report that explains what is lowering your credit score and what can be done to increase the score. If you decide you like the direction outlined, the fee is $99 per month. You are not obligated to sign up and you can cancel your service at any time. You are not charged a fee until work is performed.

4 Easy benefits of having good credit!

​↪ Low Interest Rates on Credit Cards and Loans
The interest rate is one of the costs you pay for borrowing money and, often, the interest rate you get is directly tied to your credit score. If you have a good credit score, you’ll almost always qualify for the best interest rates, and you’ll pay lower finance charges on credit card balances and loans. The less money you pay in interest, the faster you'll pay off the debt and the more money you have for other expenses. 
↪ Better Chance for Credit Card and Loan Approval
Borrowers with a poor credit history typically avoid applying for a new credit card or loan because they've been turned down previously. Having an excellent credit score doesn’t guarantee approval, because lenders still consider other factors such as your income and debt. However, a good credit score increases your chances of being approved for new credit. In other words, you can apply for a loan or credit card with confidence.
↪ More Negotiating Power
A good credit score gives you leverage to negotiate a lower interest rate on a credit card or a new loan. If you need more bargaining power, you can take advantage of other attractive offers that you’ve received from other companies based on your credit score. However, if you have a low credit score, creditors are unlikely to budge on loan terms, and you won't have other credit offers or options. 
↪ Get Approved for Higher Limits
Your borrowing capacity is based on your income and your credit score. One of the benefits of having a good credit score is that banks are willing to let you borrow more money because you’ve demonstrated that you pay back what you borrow on time. You may still get approved for some loans with a bad credit score, but the amount will be more limited.

YES, ALL of this can be yours! ALL for $100 OFF!!!!! ONLY $49 to start and then ONLY $99 a month!! 

Garnet Financial Consultants
©Garnet Financial Consultants.​ All rights reserved. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. We do not provide legal advice. We do not guarantee the permanent removal of verifiable tradelines. We requires active participation from its clientele regarding requested documents and information, including investigation results for the sought-after outcome of a healthy, accurate credit report. Individual results may vary.
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