FERN AND BEACON

Our Story

Why The Fern?

Ferns are ancient plants that thrive in diverse environments, symbolizing the ability to adapt, grow, and endure even in challenging conditions. Ferns generally symbolize new beginnings, growth, resilience, and enduring strength. A symbol of endurance on your new lifelong journey towards financial freedom.
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Why The Beacon?

Beacons, both literal and metaphorical, guide people through challenging situations. They point the way forward, offering clarity and direction when one is lost or uncertain. A beacon can represent a source of hope and optimism, especially during times of despair. We strive to be a beacon in your life and guide on your journey.

Your Journey

Our goal is true education and insight into the understanding of how credit works as well as the benefits of truly comprehending the knowledge for yourself. While we guide you the entire way, truly understanding the resources and information we provide, along with discipline, some time, and effort, can change your future!

"Creditors have better memories than debtors"

— Benjamin Franklin

Good Credit Keeps
More Money In Your Pocket.

Good credit management leads to higher credit scores, which in turn lowers your cost to borrow. Living within your means, using debt wisely and paying all bills—including credit card minimum payments—on time, every time are smart financial moves. They help improve your credit score, reduce the amount you pay for the money you borrow and put more money in your pocket to save and invest. Strong credit can unlock lower interest rates on loans and credit cards, insurance discounts, better housing and employment opportunities, and more—potentially saving you thousands.

( AVERAGE ANNUAL SAVINGS )

$16,677 on your mortgage.

$3,548 on your personal loans.

$1,485 in credit card interest.

Source: LendingTree

How It Works.

Sign Up: Review Your Past.

Enter your information, and we’ll pull your free credit report—without harming your score. We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score.

Review With An Expert: Track Your Present.

While we use the law to challenge negative items on your report, we provide easy access to your account 24/7 for live status updates on improvements to your credit reports and scores.

We Take Action: Change Your Future.

Disputes are initiated and we'll use legal strategies to challenge inaccuracies and demand corrections. We’ll maximize your score so you can achieve your goals and learn how to maintain your awesome credit long after our work is done.

GET STARTED NOW!

These people had amazing results

"Credit was't my strong suite, but with Fern and Beacon I've found it to be a fun and engaging expierence! Looking forward to learning more."

Sarah R.

"I got started with the goal of simply leading a better life for me and my family. It feels good to actually know what's going on with my score in real time, and planning for my future."

Dave I.

"When I tell you the team is amazing, that's exactly what I mean! The support is always there and they make me feel like my future is just as important to me, as it is to my F&B family. Thank you so much!"

Gloria G.

Your journey begins with the first step. We'll light the way.