Rebuilding your credit doesn’t have to be confusing, stressful, or overwhelming.We make it clear, doable, and worth it.

Why I Do This Work

For years, I watched hardworking people get punished for things they didn’t understand, weren’t taught, or simply couldn’t control — medical bills, life changes, identity theft, financial hardship, and more.

I realized that what people needed wasn’t just a quick fix —

They needed a fighter in their corner who would educate, advocate, and deliver real, lasting results.

Results-Driven. People-First. Faith-Led.

When I launched The Official Credit Champs in 2022, it was with one mission:

To help everyday people reclaim their power, restore their credit, and rise up stronger.

Since then, I’ve helped clients.

You're Not Alone Anymore.

Whether you’re trying to get approved for a home, start your business, or simply stop feeling ashamed every time you check your score — I want you to know this:

You are not your credit.
You are not your past.
You are a comeback waiting to happen.

Let’s make it happen — together

— Dr. Chafera McMillian, Phd
CEO, Credit Restoration Specialist
Your Personal Credit Champ

Frequently Asked Questions

How long does it take to see results?

While results can vary, many clients begin seeing changes on their credit reports within30 to 90 days. Some items take longer depending on the complexity, but our goal is always permanent, verifiable improvements. We work fast—but we also work right.

What kind of negative items can you remove from my credit report?

We help remove or correct a wide range of unfavorable items, including:

  • Late payments
  • Collections
  • Charge-offs
  • Bankruptcies
  • Repossessions
  • Student loan delinquencies
  • Medical bills

Each case is different, and we’ll walk you through exactly what can be disputed or corrected during your free credit review.

Do you offer payment plans?

Yes, we do! We believe everyone deserves access to credit restoration services, regardless of income level. That’s why we offerflexible payment plansdesigned to fit almost any budget.

How do I get started?

It’s easy! Just click [Schedule My Free Credit Review] and book your consultation. We’ll review your current credit report, explain your options, and provide a customized strategy to start improving your score right away.