It's much easier to start with good habits than to repair black marks later on.                                                                 



You are invited to the most effective program available to clear mistakes made by creditors.



Once you have obtained excellent credit, it is necessary for you to protect it.                                             

About Us

For the better part of this past decade, I’ve been very involved in virtually all aspects of the credit industry.  About 6 years ago, I personally called on Agela Financial, and introduced new electronic ways of exploring and building credit, to Anthony Lumpkin and his staff. From that time until now, Anthony has made it his mission to focus on helping people understand how credit works and how it can work for you. Very few people truly understand how the credit bureaus work, but with Agela Financial's help, everything we strive for is to help people build, maintain, and protect their credit profile!

Agela believes the best way to help you build proper credit is to bring you the same tools that the major banking institutions, mortgage lenders, and credit unions utilize to determine credit worthiness and assist in raising credit scores.

The absolute 2 best credit tools to do this with are:

(1) The Credit Xpert Essentials, and
(2) The Credit Expert What-If Simulator

These two methods are state-of-the-art electronic components in helping assist people manage their credit.

The Credit Xpert Essentials will instantly analyze and optimize your credit score. Credit Xpert Essentials determines the best actions to take to maximize your credit score, so you know what to look for and know exactly what to do.

Credit Essentials provides a detailed analysis that identifies the top positive factors, as well as their related trade lines. Armed with this information, you can totally focus on what is “important” and avoid “disrupting” what is already working  on your credit report. Credit Xpert Essentials tells it like it is.  It provides you with easy to understand explanations and directions on exactly what you need to do to help maximize your credit score.

The second and most powerful tool that we utilize is called the CreditXpert What-If Simulator. This is what we call the “Look before you Leap” tool that is very powerful in eliminating the guesswork. The What-If Simulator lets you see what is likely to happen before you take the action. For example, paying off a bad debt that is five or more years old, the What-If Simulator will tell you if it is a wise thing to do - or not. We use the What-If Simulator to make informed decisions and uncover new opportunities.  

Agela Financial has used both of these tools hundreds, if not thousands, of times over the past 5-6 years in helping people qualify for loans and raising their credit scores. Anthony has given lectures, seminars, and hosts his own local radio show on NBC Talk-Radio to speak on this very subject of building peoples’ credit and understanding how the credit system works today in the United States. We are truly dedicated and committed to providing each client with maximum benefits to improve their credit score and their credit profile.


Agela Financial, Inc. is a proud member of the National Association of Certified Credit Counselors.