Whitfield Hill & Associates

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601-281-6011

Whitfield Hill & Associates

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filler@godaddy.com

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  • Credit Builder Card
    • COMPANY CREDIT CARD
  • KIKOFF SIGN UP
    • KIKOFF SIGNUP
  • SELF LENDER SIGN UP
    • SELF LENDER SIGN UP
  • STUDENT LOAN ASSISTANCE
    • STUDENT LOAN SURVIVORS
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Welcome

Credit Consultation Services

Credit Consultation ServicesCredit Consultation ServicesCredit Consultation Services

Let's plan your brighter future with the help of our credit counseling services, focusing on effective debt management and personalized financial consulting.

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Homebuying Acceleration Program

ACCESS TO CREDIT MONITORING (FICO RECOMMENDED FOR HOME BUYINg)

Homebuying Acceleration Program

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Start living your dream now and seize this opportunity to learn about effective credit counseling services that can help you get your credit fixed. Begin your journey today with a credit consultation focused on debt management and financial consulting.

-Sign up here-

referral marketing program

ACCESS TO CREDIT MONITORING (FICO RECOMMENDED FOR HOME BUYINg)

Homebuying Acceleration Program

W&H Financial Solutions logo with referral marketing text on a dark background.

If you are interested in earning passive income by referring our credit counseling services, look no further! We are Bonded and Licensed, ready to assist you with debt management and financial consulting.

-Sign up here-

ACCESS TO CREDIT MONITORING (FICO RECOMMENDED FOR HOME BUYINg)

ACCESS TO CREDIT MONITORING (FICO RECOMMENDED FOR HOME BUYINg)

SmartCredit app helps control and improve your future credit score easily.

This credit monitoring provides access to your FICO scores, which are particularly accurate for mortgage loans and car loans. Additionally, utilizing credit counseling services can help you understand these scores better, while debt management strategies and financial consulting can further assist you in making informed borrowing decisions.

ACCESS CREDIT MONITORING (FICO)

BANKRUPT TO BOSSED UP E-BOOK

BANKRUPT TO BOSSED UP E-BOOK

Book titled 'From Bankrupt to Bossed Up' on a wooden table with a plant and coffee cup.

E-BOOK ON REBUILDING YOURSELF FINANCIALLY. This book is packed with valuable insights on budgeting, effective debt management, and how to improve your credit. Additionally, it offers guidance on utilizing credit counseling services and financial consulting to support your journey to financial stability!

PURCHASE HERE

DIY CREDIT counseling ACADEMY

BANKRUPT TO BOSSED UP E-BOOK

DIY CREDIT counseling ACADEMY

Smiling woman promotes DIY Credit Repair Academy by W&H Financial Solutions.

CREDIT FEATHERS INSTITUTE


Do you believe you have what it takes to fix your own credit? This Academy is perfect for you! It is loaded with directions, software, and letter templates to assist you in utilizing effective credit counseling services. With our resources, you can enhance your debt management skills and gain the knowledge needed for successful financial consulting.

PURCHASE HERE

AirBnB E-book

BANKRUPT TO BOSSED UP E-BOOK

DIY CREDIT counseling ACADEMY

Book cover and author promoting self-care through vacationing with W & H Luxury Properties.

Discover how to make money through Airbnb rentals with this comprehensive e-book from W & H Financial Solutions, which also offers credit counseling services, debt management strategies, and expert financial consulting.

PURCHASE HERE

Access to Credit Monitoring (VANTAGE SCORES)

This is the standard credit monitoring service we use to order your credit reports and track your progress. Along with identity protection, this service complements our credit counseling services, helping you manage debt effectively through tailored debt management and financial consulting.

Click to Access Credit Monitoring

ACCESS TO CURRENT CLIENTS PORTAL

This is the standard credit monitoring service we use to order your credit reports and track your progress. Along with identity protection, this service complements our credit counseling services, helping you manage debt effectively through tailored debt management and financial consulting.

CLICK HERE TO ACCESS PORTAL

About Us

Board Certified Business Credit Specialist badge from Credit Consultants Association.

Do you want to Start a Business and ensure your business is funding worthy?

Business and Business Credit Coaching, along with credit counseling services, are essential for effective debt management and financial consulting.

Schedule your Business Intake Call Here

ALWAYS ACCEPTING NEW CLIENTS

about our company

WHITFIELD-HILL & ASSOCIATES Credit Counseling Services

Business and Business Credit Coaching, along with credit counseling services, are essential for effective debt management and financial consulting.

Confident woman in red and white outfit with 'Credit Boss' necklace, smiling with arms crossed.

Introduction

About the Founder: My name is Rose Whitfield-Hill. I have worked in the finance industry for seven years, having attended William Carey University and Belhaven University, where I studied Business Administration with a concentration in Finance. Currently, I am also pursuing courses in real estate. As a District Manager for a well-known financial institution, I oversee eight locations and eighteen employees. Throughout my career, I've traveled across various counties and cities in the great state of Mississippi. When searching for potential candidates to hire, I always ask them to rate their personal credit. I've heard numerous stories about how individuals were never educated on the significance of credit or the power of personal finance. I believe that credit counseling services are essential for the betterment of our communities. My experiences in the finance industry, along with overcoming my own personal finance challenges, equip me to lead this initiative. I started this firm to empower my community with the knowledge of debt management and the benefits of being financially sound. Being financially sound isn't solely about having a lot of money; it's about managing what you have effectively. I aim to shift the perspective on how people view their money and credit, and I look forward to assisting you on your financial journey.

About Us

HOW CAN THIS BENEFIT YOUR COMMUNITY ?

How much does services like these cost?

How much does services like these cost?

Business and Business Credit Coaching, along with credit counseling services, are essential for effective debt management and financial consulting.

How much does services like these cost?

How much does services like these cost?

How much does services like these cost?

About the Founder: My name is Rose Whitfield-Hill. I have worked in the finance industry for seven years, having attended William Carey University and Belhaven University, where I studied Business Administration with a concentration in Finance. Currently, I am also pursuing courses in real estate. As a District Manager for a well-known financial institution, I oversee eight locations and eighteen employees. Throughout my career, I've traveled across various counties and cities in the great state of Mississippi. When searching for potential candidates to hire, I always ask them to rate their personal credit. I've heard numerous stories about how individuals were never educated on the significance of credit or the power of personal finance. I believe that credit counseling services are essential for the betterment of our communities. My experiences in the finance industry, along with overcoming my own personal finance challenges, equip me to lead this initiative. I started this firm to empower my community with the knowledge of debt management and the benefits of being financially sound. Being financially sound isn't solely about having a lot of money; it's about managing what you have effectively. I aim to shift the perspective on how people view their money and credit, and I look forward to assisting you on your financial journey.

affordable pricing

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Individual Pricing

Business and Business Credit Coaching, along with credit counseling services, are essential for effective debt management and financial consulting.

Sign Me Up!
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Individual Pricing MS RESIDENTS ONLY

About the Founder: My name is Rose Whitfield-Hill. I have worked in the finance industry for seven years, having attended William Carey University and Belhaven University, where I studied Business Administration with a concentration in Finance. Currently, I am also pursuing courses in real estate. As a District Manager for a well-known financial institution, I oversee eight locations and eighteen employees. Throughout my career, I've traveled across various counties and cities in the great state of Mississippi. When searching for potential candidates to hire, I always ask them to rate their personal credit. I've heard numerous stories about how individuals were never educated on the significance of credit or the power of personal finance. I believe that credit counseling services are essential for the betterment of our communities. My experiences in the finance industry, along with overcoming my own personal finance challenges, equip me to lead this initiative. I started this firm to empower my community with the knowledge of debt management and the benefits of being financially sound. Being financially sound isn't solely about having a lot of money; it's about managing what you have effectively. I aim to shift the perspective on how people view their money and credit, and I look forward to assisting you on your financial journey.

Sign Me Up!
A couple attentively listening to a professional in a meeting.

Couples Pricing

Enroll for $250.00 and enjoy a monthly fee of $175.00. What’s included? Our comprehensive credit counseling services feature unlimited disputes on all negative and derogatory items listed on your credit report, along with expert debt management and financial consulting. You’ll receive a monthly credit analysis, strategies to leverage your credit for financing, and cease & desist letters. Clients will have access to a secure portal to track their progress and exchange documents safely. It’s important to maintain the $21.99 Credit Monitoring Service throughout the Credit Repair Process.

SIGN US UP
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Couples Pricing MS RESIDENTS ONLY

Enroll for $150.00 and enjoy a monthly fee of $175.00. What’s included? Unlimited disputes on all negative and derogatory items listed on your credit report, comprehensive credit counseling services, debt management strategies, monthly credit analysis, and assistance in leveraging your credit to secure financing, along with cease & desist letters. Clients will have access to a secure portal where they can track their progress and exchange documents safely. Additionally, clients must maintain the $21.99 Credit Monitoring Service throughout the Credit Repair Process.

SIGN US UP
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Teal Package 6 months of Free Credit Counseling Services Audit and Consultation fee $599.00

Want to save almost 30% on your services and waive the start-up fee? If so, this plan is perfect for you! 


What's included? You'll receive 6 months of unlimited disputes on all negative and derogatory items listed on your credit report, along with comprehensive credit counseling services and debt management support. This plan also includes monthly credit analysis, leveraging of your credit to secure financing, and cease & desist letters. Clients will have access to their own secure portal where they can track their progress and exchange documents securely. Please note that clients must maintain the 21.99 Credit Monitoring Service for the duration of the credit repair process.

I want to save 30%! Sign me up!
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Purple Package 12 months of Free Credit Counseling Services Audit and Consultation fee $799.00

Want to save almost 30% on your services and waive the start-up fee? If so, this credit counseling services plan is for you! 


What's included? 12 months of unlimited disputes on all negative and derogatory items listed on a credit report, comprehensive debt management and financial consulting, monthly credit analysis, leveraging of your credit to secure financing, and cease & desist letters. Clients will have access to their own secure portal where they can track their progress and exchange documents securely. Clients must maintain the 21.99 Credit Monitoring Service for the duration of the credit counseling process.

I need this package Sign me up!
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Royalty Package (Couples) 12 months of Free Credit Counseling Services Audit and Consultation fee $1099.00

Want to save almost 30% on your services and waive the start-up fee? If so, this plan is for you! 


What’s included? This comprehensive package offers 12 months of unlimited disputes on all negative and derogatory items listed on your credit report, along with essential credit counseling services, debt management support, and monthly credit analysis. We also assist in leveraging your credit to secure financing and provide cease & desist letters. Clients will have access to their own secure portal, where you can track your progress and exchange documents securely. Please note that clients must maintain the $21.99 Credit Monitoring Service for the duration of the credit repair process.

We want Royal Credit Sign Us Up!

Reviews

Frequently Asked Questions

Please contact us if you cannot find an answer to your question.

It’s a pretty normal question to ask: The honest answer is that it depends — on your goals, and the plan selected…However, most of our clients see results within the first 30-61 days. That’s actually one of the best parts of choosing W & H Financial Solutions.
We look at your individual situation and build your own personal Game Plan accordingly. Your Game Plan focuses on the areas that will make the most impact. We at W & H Financial Solutions get to work quickly to make sure your creditors are being responsible regarding the information they’re reporting about you.

At W & H Financial Solutions we are passionate about helping people repair bad credit. We do our best to assist Clients with their credit repair needs & we value customer satisfaction!
By law we cannot make any verbal or written promise, or guarantee of outcome, score increases, or timing of credit repair services.
However, Client’s may request a refund if they believe that W & H Financial Solutions did not complete the obligations as defined in our Terms and Conditions, or the Client’s signed agreement.
Refund of up to 100% of total price may be possible to the Client only if all the below conditions exist:

  • If W & H Financial Solutions DID NOT inform the Client and note in the Client agreement that credit counseling can actually cause scores to drop.
  • Client has been current on all payments, without any NSF’s, and Client has completed all payments per the agreement.
  • Client must be current on all payments to W & H Financial Solutions and Client shall have completed all payments per agreement.
  • Client must have followed all W & H Financial Solutions directions based on the credit counseling plan (Excessive time spent with clients in any form of communication, or personal meetings will count against the allocated time per plan, and obviously reduce time spent on actual credit repair, therefore client may not get optimal results).
  • On existing credit lines at time of the signed agreement, and on any newly obtained credit, whether or not per W & H Financial Solutions recommendation, Client always made at least the minimum payment due on time per industry suggestion (which was communicated with the Client.)
    • Client was never late and always paid minimum balance due on all existing trade lines, or new credit lines acquired during duration of W & H Financial Solutions agreement.
  • Upon signing W & H Financial Solutions agreement client strictly followed at least one of several suggested methods to improve or increase scores as noted in the credit repair plan.

To receive a 100% refund of total money paid to W & H Financial Solutions, the Client shall request such refund in writing.
W & H Financial Solutions shall review the request to confirm if Client complied with the terms of our Refund Policy which can take 7-10 business days after letter is received. W & H Financial Solutions shall determine the final refund is due and the decision shall be final.

The goal of credit counseling is to remove questionable negative information from credit reports. This is not an exact science and there are cases in which we may be unsuccessful. Our clients are protected with our 120 day warranty. If you sign up for a monthly service with W & H Financial Soloutions and do not see any questionable items deleted from your credit in 120 days or your score haven’t increased by at least 50 points combined, you will be entitled to a full refund in monthly fees. This does not mean that your credit will be fixed completely during that period but you should see some of your questionable negative items deleted or an increase to your score in this period or your money back.
The Money back guarantee will be strictly subject to you complying with the following terms and conditions:

  • Eligibility for a refund does not start until day 120.. You must be an active participant in the program for 120 days. Cancellation or a missed payment during the initial 120 days of the program is a void of this guarantee.
  • That you do not create or cause any new derogatory trade lines to be added to your credit report after your participation in the applicable program begins.
  • You mail, fax or email W & H Financial Soloutions all correspondences relating in any way to your credit report within seven (“7”) days of receiving said correspondence.
  • You make all payments due and owing to W & H Financial Soloutions  per this agreement in a timely manner.
  • You mail, fax or email to W & H Financial Soloutions  proof of your identity such as a copy of driver’s license and copy of social security card within five (“5”) days of the effective date of this agreement.
  • You agree to give W & H Financial Soloutions ten (“10”) business days from the date you have requested a refund and we receive the letter to allow W & H Financial Soloutions adequate time to review your credit bureaus and audit your account to verify that no negative items have been removed from your account and to ascertain the reason for this occurring.
  • Refunds limited to payments made for 120 days of service only. (ex. If client is in service for 180+ days, with no change made to their history, they can request a refund, but that refund will be limited to 120 days of service

There is no fast and easy answer to this question. The time it takes to repair your credit is completely dependent upon your personal situation. The game plan created and plan selected is designed for you to complete the program within 90-180 days. We work with you, but we also need you to work with us.

Credit Repair is actually the process of removing inaccurate, unfounded, out-of-date, false, and erroneous information from your credit report. Your credit report dictates your credit score. The 3 major credit bureaus collect information from lenders, creditors, and debt collectors and apply it to your credit report. Based on that information, your credit score is determined. This information could include the balances on loans or credit cards, credit inquiries, debt to income ratio, and most importantly, credit utilization (the percentage of debt you have to available credit)

To know whether credit counseling is worth it, you just have to look at what your credit account is made of. Also, how credit impacts your every day life and these days it seems like credit is EVERYTHING!
When you start realizing how far it goes, and how much money you can save just making this small investment you’ll be amazed.
Not having ideal credit can cost you thousands and thousands of dollars over the course of a home or car loan. It can keep you from getting insurance coverage or even a job. It can make even everyday needs and decisions more difficult.

We pride ourselves on W & H solutions to keeping our client's documents and information secure. Yes, we adhere to a very strict privacy policy that protects all of your valuable information.  All client information is protected on a secure server and backed up routinely. To ensure documents are not compromised, we shred all paper documents after saving them in our database.  We use secure computer terminals as well as an encrypted database. All employees are trained to properly verify customer information and never to disclose this information to unauthorized parties.  Please review our privacy policy for further information.

Yes, but if it is past the statute of limitations for the creditor to file a lawsuit it will be much harder for them to try to collect it from you.

VyMaps

Contact Me

Request A Consultation

Send me a message to share more about your financial goals and needs. I can provide valuable insights through our credit counseling services and help you with debt management strategies. I will get back to you soon to schedule a financial consulting consultation.

Whitfield Hill & Associates

910 Azalea Drive, Waynesboro, Mississippi 39367, United States

601-281-6011 customerservice@whfinancialsolutions.com

Hours

Open today

09:00 am – 05:00 pm

Monday - Friday: 10am - 4pm

Saturday: By appointment

Sunday: Closed

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