Credit Report Analysis
We analyze your 3-bureau credit reports from Equifax, Experian, and TransUnion to identify errors, inaccuracies, and areas for improvement.
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Credit Restoration That Turns Setbacks Into Comebacks
One flat price. No monthly fees. Our expert team helps families rebuild their credit, eliminate financial roadblocks, and unlock the door to proud homeownership — with faith and proven results.
9+
Years Restoring Credit
50
States Served
3-Bureau
Full Credit Analysis
Led by a Visionary Founder
Our team is anchored by Hephzibah Senquiz, a passionate advocate for financial restoration and founder of Heaven on Earth Financial Restoration. With over 9 years of experience in credit repair and financial counseling, Hephzibah has dedicated her career to helping families reclaim their financial independence.
What sets our approach apart is our unwavering commitment to integrity and faith-based values. We don't just fix numbers—we rebuild lives. Every member of our team shares Hephzibah's vision: to be a beacon of hope for those seeking financial restoration.
We specialize in disputing inaccurate items on your credit report, negotiating with creditors, and guiding you toward sustainable financial health. From FICO score improvement to FHA loan qualification, we've helped hundreds of families in your situation.
Hephzibah Senquiz
Founder & Lead Credit Specialist
Our Credit Restoration Services
Dispute Management
Our team submits targeted disputes directly to credit bureaus on your behalf, protecting your rights under the Fair Credit Reporting Act.
Learn MoreCreditor Negotiation
We negotiate directly with creditors and debt collectors to settle accounts, remove derogatory marks, and improve your payment history.
Learn MoreFinancial Coaching
Beyond credit repair, our team provides personalized guidance on budgeting, debt management, and building long-term wealth.
Learn MoreMortgage Pre-Qualification
We guide you through FHA loan and mortgage qualification requirements, helping you understand what's needed to get approved for your dream home.
Learn MoreOngoing Monitoring
We continuously monitor your credit reports for changes and new items, providing monthly progress updates and strategic recommendations.
Learn MoreSee Your Future Score
Find out how much your credit score could improve. Enter your details below for an instant projection.
Your Path from Credit to Keys
We don't just repair credit — we guide you through every step from financial recovery to proud homeownership.
Step 1
Free Analysis
We pull your 3-bureau reports and identify every item that can be challenged
Week 1
Step 2
Dispute & Negotiate
We submit disputes to bureaus and negotiate directly with creditors on your behalf
Months 1–3
Step 3
Score Recovery
Watch your score climb as negative items are removed and positive habits build
Months 2–4
Step 4
Mortgage Ready
FHA readiness assessment, lender coordination, and pre-qualification coaching
Months 3–5
Step 5
Welcome Home
Keys in hand — from setback to homeowner with ongoing financial wellness support
Your New Chapter
Why Choose Heaven on Earth
Proven Results
Average FICO score increase of 127 points within the first 90 days.
Personalized Strategy
Every client receives a custom credit restoration plan tailored to their unique situation.
Certified Experts
Our team consists of licensed, accredited credit restoration specialists with extensive industry experience.
Transparent Communication
We keep you informed every step of the way with regular updates and honest feedback.
Faith-Centered Values
Our work is guided by a commitment to integrity, compassion, and helping families rebuild their lives.
Ongoing Support
Your success doesn't end with credit repair. We provide continuous coaching for lasting financial wellness.
One Flat Price. No Monthly Fees. Ever.
While other companies lock you into endless subscriptions, we charge one transparent price and work until the job is done. Free consultation included with every package.
Fresh Start
Clean up your credit with full dispute coverage across all 3 bureaus
$500 flat
Free consultation included • no monthly fees
- Free 3-bureau credit report analysis
- Dispute all collections & negative items
- Dispute letters sent on your behalf
- Client portal access
- Monthly progress reports
- Email support
- Hard inquiry removal
- Financial coaching
Best Value
Full Restoration
Everything in Fresh Start plus hard inquiries, coaching, and priority service
$750 flat
Free consultation included • no monthly fees
- Everything in Fresh Start
- Hard inquiry removal
- 1-on-1 financial coaching session
- Creditor negotiation
- Priority processing
- Bi-weekly progress updates
- Phone & email support
- Authorized user tradeline
Homeowner Track
The complete path from credit recovery to keys in hand — including tradeline boost
$1,800 flat
Free consultation included • payment plans available
- Everything in Full Restoration
- Authorized user tradeline (2 months)
- Mortgage pre-qualification coaching
- FHA readiness assessment
- Lender coordination & referral
- Weekly check-ins & priority support
- Down payment planning
- Couples pricing available
How We Compare
Other companies charge $79–$149/month for 3–6+ months, totaling $474–$894+ with no clear endpoint. Our Fresh Start package delivers the same service for a single $500 flat fee — and we don't stop until the job is done.
Blessing Forward Referral Program
Know someone who needs help restoring their credit? Refer a family member or friend, and when they enroll in any package, you earn $100. Your blessing becomes theirs.
90-Day Satisfaction Guarantee
If you're not satisfied with the quality of our service within the first 90 days, we'll refund your investment — no questions asked. We stand behind our work because your trust matters more than anything.
Real Results, Real Families
Every number represents a family whose life changed. Here are their stories.
Marcus J.
7 negative items, denied for mortgage
+127 pts
Before
512
After
639
90 days
Timeline
5 of 7
Items Removed
"I was denied for everything — even a basic credit card. Heaven on Earth got 5 negative items removed in 3 months. I closed on my first home 6 months later."
Outcome: FHA Loan Approved
Sarah & David M.
Combined 11 negative items, 2 collections
+155 pts combined
Before (avg)
487
After (avg)
642
4 months
Timeline
9 of 11
Items Removed
"Both of our scores were in the 400s. The team worked on both of our files simultaneously and negotiated two collections down to zero. We qualified for our first home together."
Outcome: Joint FHA Loan Qualified
James W.
Post-divorce financial recovery, 5 lates
+98 pts
Before
561
After
659
75 days
Timeline
4 of 5
Items Removed
"After my divorce, my credit was wrecked. I was skeptical about credit repair, but the team was transparent and professional. They removed 4 late payments and helped me refinance my car at half the interest rate."
Outcome: Auto Loan Refinanced, Saving $2,400/yr
Disclaimer: Results may vary based on individual circumstances. Case studies reflect actual client experiences and are not guaranteed outcomes. All credit improvements were achieved through legitimate dispute and negotiation processes. Names have been abbreviated for privacy.
Frequently Asked Questions
Most clients see meaningful improvements within 30-90 days of starting the program. However, credit restoration is not a quick fix—it's a strategic process. Some disputes may take 3-6 months to fully resolve. The timeline depends on the complexity of your situation, the number of inaccuracies on your report, and how responsive creditors are to disputes.
We charge one flat fee per package — not monthly subscriptions like most credit repair companies. Our Fresh Start package is $500 flat, Full Restoration is $750 flat, and the Homeowner Track is $1,800 flat. Every package includes a free consultation, and we back our work with a 90-day satisfaction guarantee. Payment plans are available for the Homeowner Track.
Absolutely! One of our specializations is helping clients qualify for mortgages and FHA loans. We work backward from lender requirements to build a strategic plan. Many clients who were previously denied have been approved after working with us. We coordinate with mortgage brokers and provide coaching on every aspect of the mortgage qualification process.
What makes Heaven on Earth different is our faith-centered approach, personalized attention, and long-term commitment to your financial wellness. Unlike mass-market companies, we treat each client as family. Hephzibah's 9+ years of experience ensures you're working with someone who understands the nuances of credit restoration and cares about your success beyond just the transaction.
Yes, we specialize in managing all three bureaus. Your credit files at Equifax, Experian, and TransUnion may contain different information, so we monitor and dispute each one strategically. This comprehensive 3-bureau approach ensures your FICO score receives maximum improvement across all scoring models.
Yes, absolutely. Credit restoration operates under the Fair Credit Reporting Act (FCRA) and Fair and Accurate Credit Transactions Act (FACTA). You have the legal right to dispute inaccurate information on your credit report. Our methods are 100% legal, ethical, and transparent. We never advise clients to do anything illegal or fraudulent.
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