Restoration Programs

President: Richard Guilbeau


A Credit Assessment only takes about five minutes and it will NOT hurt your credit!

What is a Credit Score, really?

Your credit score is just a number that is generated by a mathematical formula that is meant to predict your credit worthiness. Your credit scores can range from 300-850. The higher your score is, the more likely you are to get a loan or a line of credit.
The lower your score is, the less likely you are to get a loan or a credit card. On the other hand, If you have a low credit score and you manage to get approved for anything, your interest rates will be much higher than someone who had a good credit score and borrowed money. If your interest rates are high, your monthly payments will be high. Having a high credit score can, and usually will, save you thousands of dollars over the lifetime of your mortgage, auto loan, or credit card.

How Credit Scores Are Ranked
700-719 VERY GOOD
675-699 GOOD
620-674 AVERAGE
560-619  POOR
500-559  VERY POOR

What You'll Learn On The Call

Credit Scores

True Credit Scores

You will see what your actual scores are. Not every monitoring services gives you accurate scores. We will help you to see exactly what banks and lenders would see if they pulled your credit.


Any Inaccuracies

Most credit Reports have inaccurate information on them. If anything is inaccurate on your report, it can be removed. We will go through your report and search for inaccurate information that is being reported.

Next Steps

We Will Tell You Your Possible Next Steps

Our main goal is to help you clean up your credit profile and raise your credit scores. We will tell you what you can do to start working on having great credit.

We can help you by disputing inaccurate and unverifiable items on your credit reports.

Equifax, Experian and TransUnion are the main three credit reporting agencies. Most people see an average of 60 points difference in their scores from all three bureaus. This is because of the credit bureaus having different items on each report, which may be correct, incorrect or are not reported in full compliance with credit law.

According to recent studies, nearly 80% of all credit reports have serious errors on them and this does not even include the even smaller errors.

Good news for you is that we look for ALL errors big and small.




Hear What Our Previous Clients Have To Say:

Jenny Martins

I paid a lot of people for credit repair and none of them performed. I took another chance with Richard and Pennstar and They increased my scores over 140 points in the first 60 days.

Paul Simons

My scores have never been higher. I just got the new car I had been wanting. Thank you for your help. I'm going to be sending my relatives to you.

John rollins

I use to do credit repair a long time ago but I ended up with less than perfect credit over the years. I did a free consultation with Pennstar and after that 15 minutes I had to sign up because they are the real deal.

Claudia Snow

For the first time in my life, my scores are over 720 each. I cant believe it. I don't want to use it now lol. Thank you guys!

Dan Jones 

I am finally able to buy a new house that I've been wanting. Thank you Richard and the Pennstar team.

Joanna Smith

Richard, thank you for taking the time to explain everything to me. I really appreciate your help and also thank you for removing that repo for me.