Kūpa'a Consulting Services ~ Hawai'i Credit Repair

Fix your credit with a locally based credit coach who lives and works in your community! Helping Hawai'i residents statewide to repair and improve their credit score.

Get your credit into great shape

Itʻs easier to reach your goals when you have good credit. Kūpa'a Consulting Services can work with you every step of the way to help you reach your financial goals...

Good credit will help you to own a home

Better credit will help you to refinance your home

Excellent credit will help you to get a lower interest rate loan

Take the first step to improving your credit

Why is good credit important?

Without good credit, you may be denied low interest loans in Hawaii and lines of credit, a rental home, and even an insurance policy.

Having a good credit score can help you reduce interest rates, saving you a lot of money while you repay debts.

If your credit report shows a history of debt problems, collections, late payments or contains errors, Kūpa‘a is here to help Hawai‘i residents “clean it up.”

How do I know if I need to fix my credit?

If you agreed with any of these statements, you need to fix your credit! Kūpa‘a can help:

I was unable to get a pre-approval letter for a home purchase
My pre-approval amount is less than I expected due to my credit scores
I want my rent to go towards a mortgage payment instead
I want to get home purchase ready
I was denied the HELOC or other line of credit
My refinance of car or home is at a high interest rate
I was not approved for a low interest loan
I have accounts in collection
My credit card application was denied
My student loans are in default
I was only approved for a high interest car lease
I co-signed for a loan with someone who stopped making payments, and it’s now in collections

Hawai‘i residents register for your FREE Consultation to discuss your credit score, and order your 3-Bureau Credit Report for $1

Get your credit checkup today! Free consultation with a credit report audit and action plan. Only $1 for a 3-Bureau credit report for a 7-day trial period.

Steps to a better credit score for Hawai'i residents

How we improve your credit

Kūpa‘a becomes part of your credit hui, and we partner together to have the greatest impact on your score. We save you time and effort and share our knowledge and years of experience with you along the way.