Integrity
We lead with honesty, clear expectations, and free education that many others would place behind expensive paywalls.
Compliance
Board certification and consumer law training guide every dispute, billing step, and recommendation we provide to clients.
Community
We focus on breaking generational financial curses and supporting families facing serious childhood illness.
Trusted Credit Services In Maryland
Vigor Financial Credit Academy helps individuals and families across Maryland improve their credit profiles through credit repair programs, budgeting courses, financial literacy education, and one-on-one consultations. We also support clients preparing for home and vehicle financing opportunities while offering affiliate partnerships for businesses. Start building stronger financial habits and better credit opportunities with Vigor Financial Credit Academy today.
Building Financial Futures
Our work began in 2018, when Latarra helped relatives and friends clean up reports and budget into homes and cars with fair interest rates. Seeing their lives change led to the formal launch of Vigor Financial Credit Academy in August 2021, which now supports hundreds through compliant credit repair, books, and online courses.
Driven By Service
We focus on long term financial change, not quick fixes. That means education, online tools, and transparent consumer law compliance, plus charitable support for families caring for seriously ill children, so each credit file we improve also reflects our values of integrity, community uplift, and breaking generational financial curses.
Why VigorFCA
Certified guidance, lawful processes, and community-focused education that support real, lasting credit change.
Certified Leadership
Transparent Process
Community Impact
Online Access
Latarra Clark - Founder & CEO
Latarra “The Credit Dean” Clark is the founder and CEO of Vigor Financial Credit Academy. Since 2017, she has helped individuals and families improve their credit profiles, strengthen budgeting habits, and work toward home and vehicle ownership with better financing opportunities. Her work focuses on credit education, financial literacy, and long-term financial improvement across Maryland.
With an investigative and analytical background, Latarra developed a results-driven approach to credit improvement and financial coaching. She is a Board Certified Credit Specialist certified through the Credit Consultants Association and the Score Credit Consultants Association, while also helping develop DIY credit improvement and financial literacy courses for clients seeking long-term financial growth.
Donald Butler - Partner & CEO of Butler Squared Consulting
Donald Butler is the CEO of Butler Squared Consulting and a trusted partner of Vigor Financial Credit Academy. With more than 25 years of experience in I.T. auditing, accounting, and tax management, he provides financial guidance for individuals and businesses seeking stronger financial organization and planning.
Donald holds a Master’s in Accounting (MACCT), multiple industry certifications, and is an Accredited Trainer through ISACA. His background in accounting, compliance, and financial management makes him a valuable resource for clients looking for experienced financial and tax support.
Board Certified Guidance
Leadership by a Board Certified Credit Specialist keeps every file grounded in training, strategy, and real accountability.
Charity
Annual donations support families caring for children with serious illness, so your progress also strengthens community stability.
Compliance
CROA-compliant billing, clear contracts, and consumer law reviews protect your rights during every dispute cycle.
Online Convenience
Secure portals, digital courses, and flexible weekday hours keep quality credit help within reach for busy adults.