Are You Struggling with

Credit Challenges?

Rest assured; you’re in the right place. As a Homebuyers Club member, you are now connected to our SMARTERcredit, designed to help you take control of your credit.

Start Your SMARTERcredit Plan Here!

SMARTERcredit MEMBERS LOGIN HERE

Bad credit CAN be improved!

Is Bad Credit Holding You Back?

Do you feel stuck because of bad credit or financial challenges? High interest rates, loan denials, and financial stress can make it seem impossible to move forward. But you don’t have to face it alone. At There’s No Place Like Home Homebuyers Club (TNPLH), a nonprofit consumer credit counseling agency, to help you take control of your credit and regain financial confidence.

With SMARTERcredit, you’ll get expert guidance, personalized strategies, and real solutions to help you rebuild, restore, and improve your credit for a stronger financial future.

Start Your SMARTERcredit Plan Here!

SMARTERcredit

The Key to a Better Financial Future

Your Credit Shouldn’t Hold You Back

If high interest rates, loan denials, or past financial missteps are keeping you from moving forward, it’s time for a smarter approach to credit. That is where

SMARTERcredit comes in.

Offered by There’s No Place Like Home Homebuyers Club (TNPLH), a 501(c)(3) nonprofit consumer credit counseling agency, SMARTERcredit helps Georgia residents take control of their finances with

personalized credit guidance, practical strategies, and real solutions.

This isn’t just about fixing credit—it’s about empowering you with the knowledge and tools to build lasting financial stability.

Why work with us?

When it comes to improving your credit, who you trust matters. With SMARTERcredit, you’ll get real solutions, expert advice, and a clear path to better credit—all 100% virtual and tailored to your needs.

Start with SMARTERcredit TODAY!

A strong financial future begins with smart choices—and it all starts with SMARTERcredit. Whether you're looking to improve your credit, qualify for better interest rates, or regain financial stability, SMARTERcredit provides the expert guidance and tools you need to make informed decisions.

Start Your SMARTERcredit Plan Here!

SMARTERcredit Begins with a Plan—Let’s Build Yours.

Start Your SMARTERcredit Plan Here!

What Makes SMARTERcredit Different?

It’s all about the approach. Improving your credit isn’t just about fixing past mistakes—it’s about following a proven process to build a stronger financial future. With a clear strategy and the right tools, you can take control of your credit and create real, lasting change.

That’s where our SMARTER approach comes in. This step-by-step system provides the guidance, education, and personalized strategies you need to rebuild, restore, and improve your credit.

Schedule a Consultation. We'll assess your financial needs and create a tailored plan for your success.
Monitor Progress Monthly. Stay informed with regular updates tracking your credit improvement journey.
Apply Actionable Steps. Receive clear, practical steps to enhance your credit and financial health.
Recover & Rebuild Credit. Address past setbacks and strengthen your credit with the right resources.
Transform Financial Habits. Develop smarter spending and borrowing practices for lasting success.
Educate & Empower Yourself. Gain the knowledge needed to make informed financial decisions.
Realize Tangible Results. Improve your credit score and unlock better financial opportunities.

Our Approach to Credit Improvement

Step 1

Sign Up & Meet Your Counselor

Your journey begins with a free credit consultation and analysis. A TNPLH counselor will work with you to review your credit profile, identify factors affecting your score, and create a personalized plan to help you move forward.
Step 2

We Do the Work

Our team handles the heavy lifting, using proven strategies to challenge negative items on your credit report. At the same time, we educate you on how to use credit properly so you can speed up the credit improvement process and build a strong financial foundation.
Step 3

Track Your Progress

Every 30–35 days, you’ll receive updates on your credit improvement progress through your secure portal. This portal keeps you engaged and informed every step of the way—nothing is done without you. We empower you with the knowledge to maintain and improve your credit long-term.
Step 4

Ongoing Education

Financial success extends beyond credit repair. To support your journey, we provide a series of informative emails and online courses covering topics such as credit management, budgeting, loans, credit cards, interest rates, and more. These resources are designed to empower you with the knowledge needed to make informed financial decisions.
Step 5

Congratulations on completing the SMARTERcredit program!

To further support your financial growth, we invite you to explore our online Education Portal and Resource Page. Here, you'll find a wealth of resources, including tools and services, designed to assist you in making informed financial decisions. By leveraging these resources, you can continue to build a strong financial foundation and achieve your long-term goals.

Ready to take charge of your credit and build a brighter future? The Yellow Brick Road package is all about helping you take control of your credit and open doors to new opportunities. Whether you're looking to land a better job, finance a car, find housing, or boost your overall financial health, this plan has you covered. With credit-building services, personalized guidance, and regular updates, you'll have the support you need to stay on track and reach your goals—whether you're tackling this journey solo or as a team. Let's make those dreams a reality!

THE YELLOW

BRICK ROAD

Individual

Ready to take control of your credit?

The Yellow Brick Road package is your all-in-one guide to better credit. Get expert support, personalized credit advice, and monthly updates to help you build, repair, and stay on top of your credit—so you can move closer to your financial goals, including homeownership.

SIX MONTHS

$1200

($600 down &

$200 a month for 3 months)

Individual Payment Plan

SELECT

THE YELLOW

BRICK ROAD

Couples

Team up and take charge of your credit—together.

The Yellow Brick Road package is designed for couples who are serious about strengthening their credit and preparing for homeownership. Whether you're starting from scratch or rebuilding, you'll get expert guidance, personalized credit-building strategies, and monthly progress updates to keep you both on track.

SIX MONTHS

$1800

($900 down &

$200 a month for 4months)

Individual Payment Plan

SELECT

CLIENT REVIEWS

"Good morning Ms. Dolores I'm just letting you know that I will be closing on March 20th."

"We got approved! And we got the house we were going for."

"They started on my new home."

""Very professional, best choice in credit counseling Her credit advice was unlike the traditional counseling. I’ve seen drastic changes in my score in a short period of time. I will recommend her to everyone I know. She has a client for life with me."

"...I am meeting with my builder tomorrow evening. I am so excited to discuss what my brand NEW house will look like inside. Thank you so much! I'll always tell others about you, but unfortunately, their mindsets must be ready."

"When I started working with Dolores Sherman my credit was a mess but within 6 to 9 months my credit is near 700 score. Now I'm on the road to getting approved for a home loan and obtaining a home of my own. Than you for your help!"

"Dolores Sherman is a gift to the body of Christ through her uncanny ability to give financial advice and guidance to her community. For instance, Dolores advised me to call my student loan company to check for updates; 200k dollars was removed from my loans. In another instance, a young man's credit score went from 500? to 700+. He is now buying his first home. I encourage anyone to take advantage this opportunity in the person of Dolores Sherman. She is a Godsend."

"Dolores is simply put amazing! After our virtual link, it was evident that she was in the business of helping people. With a brief assessment, Dolores determined that my issue was not credit counseling but credit building. I had been working on my own to improve my credit but to no avail nothing happened. Immediately after I started working with TNPLH, my credit started moving, letters came in, I received responsive correspondence from the credit bureaus, and they were listening. My credit has been restored, and I settle on my house next Monday! It took Dolores, and I am forever grateful She's one of the good ones. Open, Honest and wanting everyone to succeed, I will continuously recommend her!"

"The team is very diligent with working with you to raise your score and “clean up” your credit report. I made some bad decisions when I was younger that caused my credit to be in disarray, but the ladies here got me back on track and now my score is the highest it has ever been and I’m a great position for future property ownership. Aside from that they are caring and more than helpful when it comes to explaining how things work and answering questions. I have learned SO MUCH about my rights as a consumer. I highly recommend the investment"

Building and maintaining good credit is one of the most important financial steps you can take. That’s why it’s essential to have a knowledgeable team on your side, looking out for your best interests every step of the way.

Congratulations, you’re on the path to SMARTERcredit!

Buying a home is one of the most significant purchases in a lifetime. Therefore, it is essential to have an experienced team in your corner, always looking out for your best interest.

Ask about our FREE referral program to experienced, local Mortgage Loan Officers and Realtors ready to assist!

SMARTERcredit Begins with a Plan—Let’s Build Yours.

There's No Place Like Home Homebuyer's Club

Start Your SMARTERcredit Plan Here!

Frequently Asked Questions

get to know us.

We know you have questions, and we're ready with the answers.

About SMARTERcredit?

❓ What is SMARTERcredit? SMARTERcredit is a personalized credit improvement program offered by There’s No Place Like Home Homebuyers Club (TNPLH), a 501(c)(3) nonprofit consumer credit counseling agency. We provide expert guidance, tailored strategies, and education to help you improve your credit and take control of your financial future.

❓ How is SMARTERcredit different from traditional credit repair services? Unlike for-profit credit repair companies, SMARTERcredit is education-driven and focused on long-term financial health. We don’t offer quick fixes or make false promises. Instead, we provide ethical, nonprofit credit counseling to help you build and maintain good credit.

❓ Do you guarantee that my credit score will increase? No, we cannot guarantee specific results because credit improvement depends on many factors, including your credit history, financial habits, and adherence to your SMARTERcredit plan. However, we do provide the tools and strategies you need to make informed financial decisions that can positively impact your credit over time.

Getting Started

❓ How do I sign up for SMARTERcredit? Getting started is easy:

1️⃣ Click the link and to start your SMARTERcredit plan.

2️⃣ Schedule a virtual consultation at a time that works for you.

3️⃣ Meet with a SMARTERcredit counselor to discuss your plan and take the next steps toward better credit.

Everything is 100% virtual and designed to fit your schedule.

❓ How much does SMARTERcredit cost? Our nonprofit mission is to make financial education and credit improvement accessible. Costs vary depending on the services you choose, and we always provide transparent pricing with no hidden fees.

❓ Is SMARTERcredit available in all states? Currently, SMARTERcredit is available for Georgia residents only. If you're outside these areas, we encourage you to check with local nonprofit credit counseling agencies for support.

Credit & Financial Impact

❓ How long does it take to improve my credit? There is no set timeline for credit improvement because it depends on your unique financial situation, credit history, and consistency with your SMARTERcredit plan. While some clients see progress in a few months, sustainable credit improvement is a long-term process.

❓ Can SMARTERcredit remove negative items from my credit report? We help you understand your credit report and dispute any inaccurate or outdated information where appropriate. However, we cannot remove accurate negative items—no legitimate company can.

❓ Will using SMARTERcredit help me qualify for a loan? We do not offer lending services, but improving your credit can increase your chances of qualifying for loans with better terms. Your SMARTERcredit counselor can help you develop a plan to strengthen your creditworthiness over time.

Working With SMARTERcredit?

❓ Will I work with a real person? Yes! SMARTERcredit offers personalized, one-on-one support. You'll work with a trained credit counselor who will guide you through your customized credit action plan.

❓ Can I access SMARTERcredit on my phone? Yes! SMARTERcredit is 100% virtual, so using our mobile app you can access your plan, resources, and counseling sessions from your phone, tablet, or computer—whenever it’s convenient for you.

❓ What happens after I complete the SMARTERcredit program? Our goal is to set you up for long-term success. Once you complete your personalized action plan, you'll have the knowledge, tools, and financial habits to maintain and continue improving your credit.