My name is Chad McCullough, owner of Armor Credit Solutions.  I’ve been restoring consumer credit since 2005. We specialize in restoring damaged credit and help people purchase the home of their dreams.  I really enjoy helping people with their credit; it takes vast knowledge and experience to figure out how to raise one’s credit scores.  Credit is very individualized and you cannot treat every file the same way and this is particularly the reason we like to analyze credit report before enrolling a client.

After serving in the US Army (3 years Active, 7 years Reserves,) I studied education and graduated from St. Cloud State University in 1999.  After teaching high school for 6 years, I resigned and started my career in business.  I have been married to my wife, Valerie, for 26 years.  We have 3 great kids, Alexis, Erica and Parker.   We like to stay busy traveling, watching our kids in their sports, being active in church, golfing, boating, hunting, and fishing.

Credit restoration is a detailed service.  Armor Credit Solutions prides itself on staying on top of any changes in the market and any in credit protection laws such as the Fair Credit Reporting Act (FCRA) and the Fair Debt Collections Practices Act (FDCPA).  Not only is it important to remove erroneous, inaccurate and unverifiable information from a credit report, it is also very important to implement strategy for any current account such as collections, charge-offs, tax liens, and judgments.  Many of our clients need to rebuild/strengthen their credit file as well; we will help you with everything you need to restore your credit in the most efficient manner possible.