Credit Coaching

Rebuild Your Credit. Rebuild Your Confidence.

Your credit score doesn’t define you—but it does play a key role in shaping your financial future. Whether you’re just starting out, recovering from past setbacks, or preparing for a major milestone like homeownership, our credit coaching gives you the tools, knowledge, and support to move forward with confidence.

At Valko Financial, we take the fear and guesswork out of credit. Together, we’ll review your current credit report, identify what’s holding you back, and build a personalized plan to reduce debt, improve your score, and develop strong financial habits that last. From understanding how credit really works (no jargon!) to creating a clear timeline for progress, we’ll guide you every step of the way.

This is a judgment-free zone—just honest advice, practical strategies, and real support to help you take back control of your financial story.

Will my credit ever recover?

Yes—your credit can absolutely recover.

Credit scores are not permanent, and even if you've faced missed payments, collections, or bankruptcy, there are proven steps you can take to rebuild. With time, consistency, and the right strategy, it’s possible to improve your score and regain financial confidence.

At Valko Financial, we help you focus on what you can control—like paying bills on time, reducing debt, and using credit wisely. We’ll create a personalized plan so you can rebuild your credit and move forward with confidence, one step at a time.

You are not your credit score—your recovery starts here.

Can I still qualify for a mortgage with poor credit?

Yes—it’s possible to get a mortgage even with poor credit.

While a low credit score can make mortgage approval more challenging, it doesn’t mean your homeownership dreams are out of reach. Some lenders specialize in working with clients who have less-than-perfect credit and may offer alternative mortgage options with flexible qualifying criteria.

Factors like your income, down payment, employment stability, and overall debt also play a big role in the decision. In many cases, we can create a strategy to improve your credit and position you for better rates over time.

What is the fastest way to improve your credit?

The fastest way to boost your credit is by focusing on a few high-impact actions:

Make all payments on time – Payment history is the #1 factor in your score. Even one missed payment can hurt, so stay consistent.
Pay down high balances – Aim to use less than 30% of your available credit. Lowering your credit utilization can give your score a quick lift.
Avoid new credit applications – Too many hard inquiries in a short time can lower your score temporarily.
Keep old accounts open – A longer credit history helps build a stronger score.
Check for errors – Review your credit report for mistakes or outdated information that may be dragging your score down.

We’ll help you identify the most effective steps based on your current credit profile—so you can see real progress, faster.

I recently met with Tracy Valko to review my house mortgage as I was about to enter retirement. I left that meeting feeling very at ease and satisfied that my concerns and needs were not only well take care of with a new plan of attack, but also in that emotionally, Tracy left me feeling acknowledged and appreciated for how my income stream was about to change in ways I had never experienced. I would recommend Tracy and her team for any mortgage planning and in fact, any financial planning period.

Craig Dubecki

10 days ago

Adding to my review as it has been 8 years since first working with Tracy for home financing. I recently went through the renewal process with Tracy and had again a wonderful experience. Tracy really helps me to understand every step of the process in a way that is not intimidating or overwhelming. She has built my confidence in understanding home financing and how to educate myself for making the best decisions. Tracy and her team are approachable and available and I have never had a question go unanswered. They are knowledgeable and efficient and I really working with this team. Thank you Tracy and team!!! I had the pleasure of working with Tracy to obtain financing for my first home. Being new to the housing market was intimidating, however Tracy made me feel comfortable and allowed me to ask as many questions as needed. Tracy is very knowledgeable about the field she works in, and I truly felt like she was looking after my best interest and providing me with helpful support. I have since referred other friends purchasing their first home to Tracy as I know they are in good hands! Thanks Tracy!

Lindsay H

8 years ago

Switching brokers was the best decision I could have made. Tracy and her team are truly wonderful. They patiently answered all of my questions—and there were many—while guiding me through every step of the process to ensure I was fully informed. A special shout-out to Samantha for her incredible support! I felt valued throughout the entire experience and know I am in excellent hands with Valko.

Amanda G

11 days ago

We had the pleasure of working with Samantha Ratz from Dominion lenders. She was truly amazing from start to finish. Samantha helped us get the best rate possible and kept us informed as the market changed. If we needed anything from her she was always just a phone call away anytime of the day. We would highly recommend the team of Tracey Valko at dominion lenders they will go that extra mile to get the job done and get your and family in your forever home.

Chanel Savory

1 month ago

Jim Hergott

1 month ago

C B

1 month ago

Let’s Get Your Credit Back on Track

You’re not behind — you’re just getting started. Let’s create a credit plan that opens doors and builds your financial confidence.

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