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With a proven track record of helping raise credit scores, we effectively give individuals greater financial freedom. 










Our commitment is to you, our valued customer. We are well equipped with financial services that are developed just to meet your needs. With our integrity, experience with consumers, businesses, and mortgage credit. We will be intimately involved with your credit repair experience. We are hands-on and there for you every step of the way.


Effective Cost Options









We understand you and your family's needs and have developed a monthly program thats flexible for your financial needs. We offer the very best plan to get you back on track. With our basic monthly plan beginning at $59.95, we are confident that we can help you reach your goals.



Sales Careers









You can begin an amazing career as a Sales Professional here at FCFS. We are looking for a strong team committed to growing with FCFS. We offer competitive benefits and the freedom to control your earning potential. We are interested in you. Find out how you can join our sales team.



 Upgrade Your Credit Score and Rediscover Living.

Just an increase of 20 points in your credit score can mean a difference. As your credit increases, you can save tens of thousands of dollars in interest spent on an average priced home. Upgrading your credit score also means saving thousands of dollars of interest saved on car payments and credit cards.

Client Status Portal





Coretta Farrar 

Coretta Farrar of Farrar Credit & Financial ServicesCoretta Farrar of Farrar Credit & Financial Services

Strategic planning is vital to success. As the saying goes if you fail to plan then you plan to fail. One cannot expect to complete a journey without a map to guide you. A major part of the journey is setting goals. There should be three levels of goals established when you are planning. The first is having immediate goals. These are areas that need to happen right now! The next is Short term goals. The time table can consist of 3 months to a year. Last are long term goals. They are for the future, college for children and retirement. Each person may be at different stage in their lives but these goals will work if you work them. 

Also when wanting to change our financial situation, we have to be honest with our current position. The best way to finding that answer is by creating a budget/spending plan. This will provide the necessary information needed to gauge how much money we make and how much we spend.  Now that you have a concrete idea of where your money is being spent, it is time to separate your needs from your wants. This becomes difficult because we want instant gratification and believe we are entitled to enjoy certain luxuries. However anything worth having is worth waiting for. There are some basic necessities that everyone needs like shelter, food, and transportation. We do not need to eat out every day or buy the latest designer clothing. Reevaluation and prioritizing should be your focus. Don’t be eaten up by the monster called consumerism. This beast tells you to buy, buy, buy and spend, spend, spend. Listen to the sweet angelic voice of responsibility that sings manage, manage, manage your finances. Get control of your emotions and change your spending habits.


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