Our Mission.

Our mission here at efolks is to offer clients personalized credit solutions to benefit their credit needs. At efolks, we have helpful solutions ranging from credit report repair, debt counseling, debt help, tax debt help, auto loans and other solutions.

Your credit score is the biggest determining factor lenders look at when assessing your risk for any type of loan. This 3-digit number affects the outcome of your getting an auto or home loan; not to mention if you want to refinance your mortgage, manage your debt, and save for the long run. And if you are able to qualify for a loan, your credit score affects the rate you will be offered. Because of this, having a healthy credit score may save you hundreds of dollars every month because you’ll be paying much lower interest rates.