About PFSA Credit

PF Solutions Advisors was founded by Teressa McIntosh. Her vision for the company arose from her desire to educate consumers and business owners on the importance of maintaining excellent credit. Previously McIntosh worked in the mortgage industry for several years specializing in personal and business credit but left in 2008 and opened the doors of HOPE Credit Service/Hope BSG.  HOPE Credit Service/Hope BSG was created to increase consumer awareness, provide consumer relevant solutions to funding, and leverage their rights as buyers and borrowers to meet their personal, business, and financial goals. PF Solutions Advisors, a subsidiary of HOPE BSG, was formed to streamline processes and more accurately depict who we are at our core as a team and how we serve our prospective clients through our DIY Credit Restoration program to help other people excel. Start today making your dreams a reality.


See some common questions and answers below, or call us at (678) 383-2836

  • How does this service work?

    When you sign up for our service, you must choose the items appearing on your credit report you feel are incorrect, unfair, or questionable. You then can contact your creditors to demand their removal or correction. If the creditors do not fix the mistakes, you can up the pressure and give new information as to why this item should be removed from your reports. Additionally, we provide recommendations of products such as low interest credit cards, personal loans as well as auto and home loans.

  • Why is this better than hiring a credit repair company?

    Because it’s FREE! Even if you purchase the outside credit monitoring service to take full advantage of our free platform, you're saving much more than if you hired a third party credit repair company.



  • How much does your service cost?

    There is no cost for the platform and access to templates, this is a free service. This business model may seem bizarre because we do not charge anything for our service, but it is - we truly do not collect fees for our DIY credit repair service. Everyone should monitor his or her credit and in order to help you, we offer you the ability to keep an active credit monitoring account with our credit report partner CreditStreak.com (Credit monitoring does have a cost to it and we cannot prevent them from collecting their fees and we do receive a referral fee). The purpose of the monitoring account is twofold. One, we need access to your credit in order to receive the credit information so you can begin working on your credit. And, two, it will allow them to monitor and inform you of any changes in your report as needed. The cost for credit monitoring is a small fraction of what you would pay a traditional credit repair company and it provides you with valuable insight and tools to keep an eye on your credit and improve it. While you are free to purchase a different 3rd party credit monitoring service, our platform has only been programmed to have the capability to automatically upload the details of credit reports and monitoring information via CreditStreak.com.

  • How long does it take?

    Many customers receive results within 45 days. The overall process can take six months to a year or longer depending on many different factors.