Sometime life happens. If you have less than perfect credit because of a few late payments, high balances or discrepancies - we may still be able to help get you back on track.

We have seen many types of credit issues for many different reasons and as many have realized, your current credit status many not be as bad as you think. It is important to take the steps to improve it.

Let the professionals at HB&O Funding Company review your credit and provide you with the right advice to consistently manage your finances responsbility and get you back on track.