Why Should I Choose Your Company?
At Proficient Wealth Builders our commitment goes beyond merely rectifying inaccuracies on your credit report. While we are dedicated to the meticulous process of eliminating negative and misleading information, we understand that true financial empowerment involves more than just correction. That’s why we go the extra mile to provide you with comprehensive insights and personalized strategies aimed at not only repairing but also enhancing your creditworthiness.
Our experienced team of credit experts doesn’t stop at dispute resolutions; we take a proactive approach to empower you with the knowledge and tools necessary to elevate your credit score. We believe in equipping you with the information and guidance needed to make informed financial decisions, fostering a path towards a healthier and more robust credit profile.
Through our tailored guidance, we aim to demystify the complexities of credit scoring, helping you understand the factors influencing your score and the actionable steps you can take to improve it. Whether it’s guidance on responsible credit management, debt reduction strategies, or tips for optimizing your financial habits, we are here to support your journey towards financial success. We envision a future where your credit score reflects not just accuracy but also resilience and strength. By providing you with the necessary resources and education, we empower you to take control of your financial destiny, ensuring that your credit report not only reflects your past but also propels you towards a brighter and more prosperous financial future.
We Set High Expectations
As a credit restoration company, we hold ourselves to elevated standards, proudly positioning ourselves as among the foremost credit restoration firms in Washington state. Our committed team of credit experts guarantees top-notch service, aiming to guide our clients back to financial stability. Throughout the entire credit restoration process, we stand by your side, advocating for you, providing coaching, and offering valuable advice. Collaborating with credit bureaus and creditors, we strive to eliminate inaccurate and unverifiable items impacting your credit file. Let our services and extensive expertise demonstrate our dedication. We are unwavering in our commitment to help you achieve the highest possible credit score, tailoring a personalized plan to meet your specific needs.
Meet the Founder and the Owner
My name is Dametria L. (Hunt) Biagas, and I’m the founder of Proficient Wealth Builders. What began as Proficient Wealth Builders has evolved into a broader mission: to help individuals and families build lasting financial security and generational wealth.
Over the past two and a half years, I’ve been on a personal and professional journey—a work in progress with a purpose. My passion lies in empowering others to break free from the limitations of low credit scores and take control of their financial futures. Through education, guidance, and personalized support, I strive to help my clients improve their credit, make informed financial decisions, and create a legacy of financial wellness for themselves and their families.
Repair
Correcting inaccurate information on your credit report is the initial stride toward reclaiming control of your financial well-being. According to the law, any consumer has the right to dispute inaccuracies in their credit report if they believe certain entries are incorrect.
Rebuild
The second step to restoring your credit is to rebuild it while we work on removing inaccurate information. It’s not enough just to remove negative items, but you must prove to the FICO and creditors that you can make your payments on time.
Raise Your Score
The third phase in the process of repairing your credit involves concentrating on elevating your credit score. As commonly understood, the credit score stands as the foremost determinant in loan approval. A low credit score may result in denial or the imposition of high interest rates.
Step One
Because there are so many moving parts when assisting you with removing inaccurate information, results in 30 days can’t be guaranteed. However, most clients see the best results within three to four months. Some clients see results in 30 days and some clients’ results come back in 60 days. It all depends on your credit report and your cooperation with sending in updated credit reports.
Step Two
We provide you with a deep credit analysis of your credit report spotting all inaccurate information. We then look at the various factors that are pulling your credit score down and provide you with actionable steps to get your score back up. Lastly, we provide you with step by step guidance on how to rebuild and restore your credit. We focus on fixing your credit from start to finish. Our goal is to help consumers with bad credit through our restoration program.
Step Three
We load all of the inaccurate, misleading, and unverifiable information into our system and begin challenging questionable information with the credit bureau, creditor, and collector. Once the dispute letters are ready, we send them out to all furnishers and wait 30 to 40 days for updates. You can track your credit repair progress using our online portal. We focus on fixing your credit from start to finish. Our goal is to help consumers with bad credit through our restoration program.
Step Four
Once the updated credit reports come back from the furnishers, we analyze the updates for any changes to the inaccurate, misleading, and unverifiable information. If there are changes, we update your file and then move on to the next inaccurate, misleading, or unverifiable item. If the item comes back verified with no change, we follow up with the credit bureaus or the furnisher to try to get a resolution on why the inaccurate information is still on the credit report. We focus on fixing your credit from start to finish. Our goal is to help consumers with bad credit through our credit repair and restoration program.
Step Five
While restoring your credit, you will be educated on a weekly basis on all aspects of raising your credit score, debt settlement, and rebuilding your credit. Education will be presented to you in the form of emails, text messages, and voice broadcast. You can also log into your private online portal to learn more about other products we offer like credit monitoring, legal assistance, and rebuilding your credit cards. We focus on fixing your credit from start to finish. Our goal is to help consumers with bad credit through our credit repair and restoration program.
Our Progress
- Judgements 90 90%
- Collections 80% 80%
- Late Payments 95% 95%
- Inquiries 88% 88%
