Our Services
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Credit Counseling
Get expert guidance on improving your credit. We help you understand your credit report, manage debt, and create a plan for long-term financial health.
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Debt Settlement Service
We negotiate directly with creditors on your behalf to reduce the total amount you owe, helping you settle debts for less and start fresh.
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Debt Elimination Service
Say goodbye to overwhelming debt. Our team works with you to develop a personalized strategy to eliminate what you owe—faster and smarter.
Why Choose Us?
Because your credit doesn’t define you — but it can empower you.
- Permanent removal of inaccurate or outdated items
- Expert credit education — we teach you what others hide
- No contracts, no hidden fees, just results
- Real people. Real success stories.
We don’t just fix credit — we build confidence.
The Woman Leading the Way:
Dr. Chafera McMillian, Phd
I’m Dr. Chafera Mcmillian, Phd, founder of The Official Credit Champs — a credit repair company built on faith, grit, and the belief that no matter how far you've fallen, you can always rise again.In 2019, I hit rock bottom, after acquiring millions since 18. After 13 years in a relationship, the father of my child — a wealthy billionaire international real estate tycoon — abandoned our family without warning. I became a single mother of three overnight, buried in debt and legal fees, with nothing but my savings, my faith in God, and a fierce will to survive.
My credit was destroyed, and I felt defeated. But instead of staying in that valley, I chose to climb. I dedicated myself to learning everything about credit laws, dispute strategies, budgeting, and business. I rebuilt my credit from scratch, regained my independence, and launched The Official Credit Champs — not just to help myself, but to guide others toward financial freedom too.
At The Official Credit Champs, we don’t just fix credit — we restore hope, and create new starts. We specialize in personal credit repair, financial coaching, and helping our clients take control of their lives with confidence and clarity. Whether you’ve been denied for a loan, struggling with debt, or simply want a fresh financial start, we’re here to help you become the champion of your own comeback story.Your future is calling — and it’s time to answer. Let’s build the new.
For nothing will be impossible with God. Luke 1:37