Nicole started Credit Or Forget It because she knows what it feels like to be denied—and exactly how to fix it.

After repairing her own credit and helping countless family and friends do the same, Nicole turned her passion for numbers into a mission: helping people break free from bad credit and unlock real opportunities.

To date, I've helped 250+ clients remove over $1.5 million in debt and see results in as little as 45 days. Collections, charge-offs, late payments—these are the items she knows how to challenge effectively.

Why Nicole? Because she’s been where you are, she understands the system, and she’s personally invested in helping you win.