Credit Coaching

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.

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.

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• Check for errors – Review your credit report for mistakes or outdated information that may be dragging your score down.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.