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Welcome to HighFiko Scores

WE CAN HELP YOU RAISE YOUR CREDIT SCORE

“Credit is a powerful tool that can help propel you to a better Financial Future.“
- J.Locke

Free consultation

Step 1 - Credit Builder Loan

Build credit without adding debt.

Step 2 - Credit Cards

Start practicing good habits with a new credit card or line of credit.

Step 3 - Add History

Boost yoaur credit score by adding positive payment history.

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About

We help clients to get success

My name is Jamel Locke, and I'm the founder of High Fiko Scores.

My company specializes in credit repair, and we're here to help you improve your financial future. But I don't just mean by helping you get a loan—I mean by helping you build a life that's financially stable and secure. Because that's what good credit is all about: it's not just about getting a loan when you need one; it's about having the power to make decisions for yourself, for your family, and for your future.

I know what it feels like to have bad credit: it can be a nightmare! It makes getting loans very difficult, and if you don't have access to credit in emergencies or even just to make everyday purchases, then what happens when something goes wrong? You're stuck without options or resources—and that can really take its toll on your mental health.

That's why I started High Fiko Scores: because I want everyone who struggles with bad credit to know that there's always hope for better days ahead. Our team is made up of people who understand how this feels firsthand—we've been there ourselves, we are here to help, so what are you waiting for, join the family, and let's fix your credit together.

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We can help you

What we dispute

Personal Information

Personal information includes a broad range of information, or an opinion, that could

Inquiries

A record of a request for your credit report is called a credit inquiry. You'|| see an inquiry on your credit report anytime someone pulls your report from one of the three national credit bureaus.

Bankruptcy

Bankruptcy is a legal proceeding involving a person or business that is unable to repay their outstanding debts.

Collections / Charge-off

Credit collection refers to the general debt recovery process of reimbursing unpaid and past-due credit loans from the consumer in debt on behalf of the lender

Student Loans

A student loan is a type of loan designed to help students pay for post-secondary education and the associated fees, such as tuition, books and supplies, and living expenses.

REpossessions

It is the action of retaking possession of something, in particular when a buyer defaults on payments.

Evictions

It is the action of expelling someone, especially a tenant, from a property;

Late Payments

A late payment is an amount of money a borrower sends to a lender or service provider that arrives after the date that the payment was due or after a grace period for the payment has passed.

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happy clients

Testimonials

Before coming to HighFiko Scores I had done all that I could do to improve my credit score. After it was all said and done I still had 2 inaccuracies that were holding down my score. 1 of which was reporting to all three bureaus and the other was reporting only to TransUnion. With the prompt responses from your team, I started the process on March 2nd, and on April 26th I received my last notice from the credit bureau that the items had been deleted. So in a record time of fewer than 60 days, HighFiko Scores has removed erroneous items and my score has increased by roughly 70 points. I am now back in the 740-755 FICO score range. Thank you for all of the help Jamel that you gave me. I will definitely refer everyone I know to HighFiko Score. Thank you for all of your time and effort. Regards,
JG
I am quite happy with the way everything is trending. I’ve already seen some pretty great improvements to my scores since you all have taken action. Quite a few deletions and other items have fallen off my reports. I am ranting about you all to a coworker and trying to get my partner to sign up too. I believe my TransUnion score has gone up by about 45 points already. So whatever it is you guys are doing- keep it up! I can’t wait to see the results in next week. Thank you so much for reaching out to me and checking in. I very much appreciate it. Warm regards
Julious D.
Thank you for checking in. I am extremely happy with the results that I have seen so far, and I look forward to continuing to receive great results. From january 29th 2022 to April 2nd 2022 my credit score has improved 74 points with Equifax, 46 points with Transunion, and 22 Points with Experian. Thank you for your assistance and it’s nice to know that my goal of owning a home is becoming a reality. Everyone that I have spoken to from your company have been extremely professional and kind and I would highly recommend your company to friends and family.
Kim Jones
Thanks, guys. I’m telling anyone who will listen. It works! If you are on the fence, it’s time to get off.
Carlos D.
Thank you for your service and professionalism! I am happy with the services that you have provided.
Elena C.
This was the best decision ever. A great success!
Emma L.
Thank you for the great service by the way, my score has went up almost 100 points in the last two or three months!
Anthony B.
Your team is doing a great job! Thank you again for your continued efforts, they are very much appreciated!
Wayne and Lana Williams
I’ve been very happy with your services and the diligence with which you’ve repaired my credit.
Major L.
We can help you!

Credit repair is the process of removing inaccuracies, mistakes and false information on your credit report. By helping you establish a clearer and more accurate report of your credit history, you may find that your credit score could improve.

Pricing can vary according to each company and their plans. Payment plans can be a one-time flat fee or a monthly plan. Some companies will offer discounted rates such as a couples discount. Others offer a trial period or a money-back guarantee within a period of time.

The time it takes to repair credit can vary on a case-to-case basis. Repairing credit can be as simple as removing inaccurate balances no your report and take only a few months to do so. However, in other severe cases where there is accurate information concerning collection accounts, then these marks will stay on your report for 7 years.

The free consultation gives you an opportunity to discuss with a credit expert what are the best steps to take in your circumstance. You can also discuss your questions or any concerns you may have about the process.

Yes, you can use credit repair even if you are filing for bankruptcy. Bankruptcy can cause a lot of damage to your credit. The most important step to take after filing for bankruptcy is making sure your credit report is clear of any inaccuracies.

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