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 had an excellent experience with the Tracy Valko team. Santiago and Matt were incredibly helpful, providing clear advice and great mortgage options tailored to my needs. They made the process simple and stress-free, especially with the paperwork, which they handled smoothly and efficiently. I really appreciated their professionalism and support throughout the process. Highly recommend them if you are looking for a mortgage good rate

Diana Carreon

13 days ago

I have worked with Tracy and her team for over 10 years and would highly recommend her services. Tracy is responsive, knowledgeable, supportive and works to educate her clients. I have appreciated her personal service and guidance over the years. Thanks Tracy!

Ms. Giraffezilla

15 days ago

Tracy and her team is a step above the rest! They are committed, helpful and have your best interest at heart. I should know, I have known some of them for 30 yrs.

Helga Peller

8 years ago

We have been working with Cindy at Valko Financial for several years and just purchased our forever home using her guidance and advice. We are so happy with our services we have sent our son to her too. She is kind, patient and gets the best rates for what we need. I highly recommend Valko Financial and will continue to be a customer for my mortgage needs!

Melissa L

19 days ago

Tracy's team really made the process of finding the right mortgage for me smooth and easy. I highly recommend them!

ray whit

22 days ago

Tracy and her team were so helpful, kind and supportive! As the proud owners of a small Canadian manufacturing business, we honestly didn’t think we would qualify for a mortgage and had just expected to rent. But when we were introduced to Tracy, a whole new world of possibilities opened up. Tracy and her team helped us purchase both a new home, and space for our business! It’s game changing. Work with them. You won’t be disappointed.

Rob Bourbeau

24 days 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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