Credit Education

The New Credit Company

Introducing Comprehensive, Long-Term Credit Services to Employee Benefit Plans for the first time ever is the core motivation for launching "The New Credit Company."

The New Credit Company

Human Resources are among the most valuable assets of any business, large or small. Attracting the best staff is the role of the employee benefits department.

New Credit is disrupting the fringe benefits market by providing bespoke concierge credit service for corporate America.

Let us optimize the credit status of your entire staff. We will give everyone in your organization a raise - in their quality of life.

Credit Education Is Crucial To A Proper Credit Plan

Keep it simple. If you carry a balance, keep it below 30% of your credit limit. Auto pay at least the minimum amount earlier than the payment due date, and manually pay more if possible. Don't let credit report errors cost you, and be prepared for the inevitable ID theft attempt. A little education will last a lifetime. Learn about home loan preparation to optimize your mortgage options.

New Credit members have access to a helpful staff of consumer credit advocates, and a growing collection of industry notes and educational resources.

Know Your FICO® Score, Save Money

Whether you're buying a home, a car, or applying for a credit card, lenders want to know the risk they're taking by loaning you money. FICO Scores are the credit scores used by 90% of top lenders to determine your credit risk. Your FICO Score directly affects how much money a lender will consider, and at what interest rate.

Credit Reports Are Critical To Your Long-Term Financial Planning

Understanding of your credit report is critical. They contain everything a lender needs to determine whether you are likely to pay back a loan. That includes a comprehensive payment history for each loan or credit card account. That's why it is so important to know what's in each of your three credit reports. Your education should address your best credit practices and debt management, and the incredible cost of poor credit. Typographical errors in credit reports are ubiquitous, and millions pay premiums or are denied loans for no other reason.

The greatest threat to your reports? Identity theft is all but guaranteed. It's just a question of time. We respond to every threat.

There Are Three Major Credit Reporting Agencies

Experian has gathered, analyzed and offered for sale, an incredible amount of data on over one BILLION consumers worldwide.

They don't ask permission. Nor do they make easy to manage the dispute process for credit reports.

TransUnion is a consumer credit reporting agency, and major data broker.

They collect, aggregate and sell information on over one billion consumers.


Equifax is one of the largest data brokers in the world.

In 2017, they allowed criminals to steal the personal data records of over 143 million people.

These Credit Bureaus Are Not Government Agencies

You should learn about the three national credit reporting agencies, Experian, TransUnion and Equifax, what is similar and different between them, and why they are so important to your financial health. It's critical to understand that these three credit bureaus are private businesses, and nothing more than massive data brokers that profit entirely by selling your personal information.

Credit Status

New Credit will evaluate the true status of your debt and credit condition.

Credit Planning

We'll match appropriate credit services to your short and long-term financial and purchase goals, mitigating problem credit reports if needed.

Credit Building

You will learn the proper strategies for growing your credit for a lifetime.

Educational Resources Enhance Our Work

Like any good lawyer, we need to add a disclaimer: Unfortunately, it is impossible to give comprehensive debt and credit advice over the internet, no matter how well researched or written. Educational information provided on is meant to support our members as part of a comprehensive credit plan. No content should be used as a self-help tool. Before relying on information given on this site, contact our team to discuss your particular situation.

A Disruptive New Credit Services Organization & The First Of Its Kind Employee Benefit
For Enterprise Businesses and Smaller Corporate Benefit Plans

Call or send a brief note to to introduce your staff to the first new innovation to disrupt the employee benefits industry in many years.