We understand that the process of credit repair can be very challenging, confusing, and overwhelming if you are not aware of all the laws that regulate collectors, creditors, and credit bureaus. Our job is to lift that heavy burden off your shoulders and do all the work for you so that YOU can purchase that dream home, get that new car or start that new business venture. Whatever your goals are, we're here to help.
Most companies will only focus on your credit score while we will go a level deeper and focus on your overall credit history and what your report states.

Our goal is to help you repair your credit history and show a positive CREDIT REPORT.

We Help to Improve Your Credit Ratings By Removing:

Late payments are extremely important to your financial prosperity. If a creditor reports 90days, 60days, or even 30days late, these can have a  high negative impact on your score.


A collection is a type of financial account that's been sent to a third-party debt collector. Such as medical bills, old credit cards, payday loans, or any other "Unsecured" debt.

A repossession commonly called a "Repo" is a type of action in which a lien holder takes the property back from the party having the right of possession without invoking court proceedings. 
A Student Loan is a type of loan designed to help students pay for post-secondary education and the associated fees, such as tuition, books and supplies, and living expenses. 
A judgment is a court order that is the decision in a lawsuit. If a judgment is entered against you, a debt collector will have stronger tools, like garnishment, to collect the debt.


Bankruptcy. Inquiry Removal, Pay-Day Loans, Child-Support, Public Records, and MUCH MORE!
Meet Evelyn 
Your Score Restoration Consultant

My journey in the credit repair industry started with my own credit journey. After putting my faith in a well-known credit repair company and not seeing results, I decided to take matters into my own hands. Shortly after I started to repair my own credit, I started to see the results I was looking for! After seeing steady increases in my credit score and steady deletions of my derogatory items, I realized I gained a new passion. I decided to advance my knowledge in credit repair and consumer credit laws. Since obtaining my certificate it has become my ultimate goal and passion to help and show others the correct way to achieve financial freedom with hard work, discipline, and KNOWLEDGE. I will educate you on the importance of building and maintaining a positive credit score. I will help you "Evolve Into Better Financial Freedom."

What E.F.C Specializes In



Financial Literacy

Credit Education

Credit Utilization

"Let me help you create the financial freedom you desire"
Evelyn Castro

Evelyn Castro


Contact Us

  219 N Main Ave #197, Scranton, PA 18504   5702249129

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