Company You Can Trust


Get professional assistance to hep you through your credit chalenges.

Items We Help to Remove or Update

Inquiries

Collections

Bankruptcies

Student Loans

Medical Bills

Late Payments

Charge-Offs

Foreclosures

Repossessions

Latarra “The Credit Dean” Clark

Founder & Credit Consultant


Led by founder Latarra “The Credit Dean” Clark, helping individuals and families improve credit, budgeting, and financial habits since 2018 through credit education and financial literacy programs.


• Certified through the Credit Consultants Association
• Certified Score Credit Consultant

• Founder of Vigor Financial Credit Academy, established in 2021

From Enrollment To Financial Growth

Every client at Vigor Financial Credit Academy begins by completing a self-service application and setting up credit monitoring through MyFreeScoreNow to access all three bureau reports. Founder Latarra “The Credit Dean” Clark then reviews the file during a free credit analysis to determine whether services are needed. Accepted clients are guided through the portal setup process, where disputes, correspondence letters, and monthly updates are managed. While our team handles most of the process, clients maintain communication and upload bureau responses when needed.

How Credit improvement Works

Our credit repair service includes your tailored assessment, contacting creditors on your behalf, sending documentation correspondences to credit bureaus, creditors and furnishers, courthouses and more. We have been trained on recent laws, statutes, and credit reporting practices. We are also aware of what items on your report affect your score the most.

Why Do You Need To Maintain Good Credit?

Your credit score comes from your credit report-- it is your spending and repayment of debt report card. Understanding that credit is more than just a score, it is literally your borrowing power! You need to understand that having good credit is like being in an honor society. It unlocks doors to many financial opportunities. Imagine getting anything you want using your good credit after being denied repeatedly for having bad credit. I promise you, it feels AMAZING!

Why Us?

Our mission is not just providing you with dispute letters and teaching you to  fix your credit, but to share our knowledge on credit and financial wealth building. We want EVERYONE to enjoy having access to the world of borrowing power! Let us teach you how to LEVERAGE YOUR CREDIT TO OBTAIN WEALTH! We are one of the few out of thousands of credit improvement companies that also has a detailed DIY credit repair online course. Call us today, and let our experience save you time, money, and frustration!

Latarra Clark gives great Credit advance!!! She wasn't just trying to take my money. She reviewed my credit and told me I didn't need her. Which was surprising to me. She told me the steps I needed to take to increase my credit score which wasn't bad but a month later. I'm in the 700 club. Thank you!!!

Michelle Thornton-Mannin

Latarra Clark gives great Credit advance!!! She wasn't just trying to take my money. She reviewed my credit and told me I didn't need her. Which was surprising to me. She told me the steps I needed to take to increase my credit score which wasn't bad but a month later. I'm in the 700 club. Thank you!!!

Michelle Thornton-Mannin

Ever since getting licensed to be a mortgage loan originator I knew sometimes credit might be a little challenging. I knew Laterra not only repair, but she educate. In this industry it’s so many people that just dispute and hope for a shining star……not Laterra she actually work loop holes, find discrepancies, and actually work with her clients to make sure the delinquent activity stays off.

I personally closed 6 clients in the last 120 days that graduated her program. Great work Laterra.

Vigor Financial Credit Academy is Mr. Clear to Close approved.

Malcolm Drakeford

Ever since getting licensed to be a mortgage loan originator I knew sometimes credit might be a little challenging. I knew Laterra not only repair, but she educate. In this industry it’s so many people that just dispute and hope for a shining star……not Laterra she actually work loop holes, find discrepancies, and actually work with her clients to make sure the delinquent activity stays off.

I personally closed 6 clients in the last 120 days that graduated her program. Great work Laterra.

Vigor Financial Credit Academy is Mr. Clear to Close approved.

Malcolm Drakeford