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T AND T
CREDIT COUNSELING & CONSULTING
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Credit Counselor | Image of Tera Bradford
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Join me in transforming your financial capabilities, commit and unlock your full potential.
we will not spam or rent your information
Schedule A Free Credit Consultation Call Now!!! Available For A Limited Time Only
PEOPLE WITH HIGH CREDIT RATINGS AREN'T BORN.
They're built.
I am Tera Bradford- Wilson, the CEO of T & T Credit Counseling and Consulting. I’m a Louisiana native, but proudly reside in Texas with two beautiful daughters and and the most amazing husband on earth. I’ve always been told, if you truly have a passion and love what you do, there is a high chance of never having to work for anyone else a day in your life. I have found this to be true because T and T Credit Counseling and Consulting formed from my ability to have faith and a true passion to transform the financial status and credit worthiness of every client past or presently through T and T Credit Restoration Boot Camp.

As I reflect back on my past, as a single mother I understood what it felt like to work pay check to pay check, have a stagnant credit score in the 300’s all while living above my means. During that time, I spent thousands of dollars with a credit repair company that I thought would help me come out of the declining financial situation; however, they did not deliver the results they were paid for and I was devastated.

The continuous financial nightmare pushed me to change my situation and build a company to not only help myself, but others as well. I researched, studied and saved money to purchase books that would teach me the ins and outs of credit repair and credit consultation. After dedicating late nights and early mornings to furthering my education in credit repair solutions, I then started to repair my own credit. After I mastered it, I then started to fix the credit of my single mother friends as well as taught them how to dispute accounts and read credit reports.

After restoring credit for a year, my mother saw the passion I had for credit management and mentioned I should start a credit repair business. We came together, brain stormed, received all of the certifications necessary to run a successful business and we launched what is known today as T and T Credit Counseling and Consulting.
Credit Reapir Specialist | Image of Tera Bradford laughing
Tera Bradford-Wilson
Our mission is to not only help our clients restore  credit with our credit repair service; our true passion is to provide financial education to our clients and an understanding of their credit scores so they will have the tools to maintain  credit once they complete our program.

We customize an in-depth credit repair strategy that is unique to your specific needs. Since no two credit reports are the same, we provide an initial credit consultation so we can map out a plan of action for your specific credit fix or loan goals. 

Not only will we help you to improve credit scores but we also provide credit coaching to ensure your continued success.
Heroes aren't born. They're built.
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Jerry Thomas Jr.
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" The Secrets of Getting a High Credit Rating Without Breaking The Bank "
Credit Reapir Testimonial | Image of Credit Repair Client Wayna Tucker
Wayna Tucker
FROM 499 to 700 in 3 months
Wayna Tucker struggled with bad credit for years. She stepped out on faith and paid to get credit fixed started with 499 now over 700. She went from getting denied to approvals.

"Ms. Tera is the G.O.A.T in CREDIT REPAIR!! I was at a 499 FICO Score last September when she took on my Credit Repair. I stepped into 2020 with a 740+ FICO Score with all 3 Bureaus! Ms. Tera has allowed me to be GREAT AGAIN! I LOVE THIS QUEEN!!"

Frequently Asked Questions

WHAT IS CREDIT REPAIR?:
Credit repair is a service provided under the CROA that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated, or unverifiable. Any credit repair agency that claims to be able to remove ANY item other than those identified above is in violation of the Credit Repair Organizations Act (CROA).
WHAT ITEMS CAN BE REMOVED?:
This is a tricky question. For one, we can’t tell you upfront that ANY item can or will be removed from our clients’ credit reports. Again, like all legally compliant credit repair agencies, we can only remove items that show to be inaccurate, outdated, or unverifiable. However, MANY items on most people’s reports could fall into one of those categories.
HOW MUCH WILL MY CREDIT SCORE GO UP?:
As much as we would like to, there is simply no way to know the answer to this question. There are far too many factors involved in the credit scoring model; the biggest variable being the “human factor”. We don’t know what you are going to do during this process. You might max out credit cards, get new credit, get new collections, get a judgment placed against you, or one of hundreds of other things that would change the outcome of your service. REMEMBER! T And T is hired only to help remove items from your report that you wish for us to work on, the score change is simply a byproduct of our service.
WHAT ITEMS CAN YOU HELP ME REMOVE OR IMPROVE?:
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
IS CREDIT REPAIR LEGAL?:
Yes, credit training is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof.
​WHEN SHOULD I SEE RESULTS?:
Some see results in as little as 30 days others typically within 45 to 60 days. On an ongoing basis, you should see results each month you are in the program depending on the severity of your credit situation. You will have online access to our software thru a portal where you will be able to track your dispute results.
​​IS ANY OF THIS WORTH MY TIME OR MONEY?:
Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional.Anyone with a credit score below 720 can benefit long-term from the advice and information provided through our financial solutions education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results.
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