Help My Credit

John Garcia

Chief Executive Officer

John Garcia

Chief Executive Officer
<div class="p-rich_text_section"><b data-stringify-type="bold">Professional Background</b></div> <ul class="p-rich_text_list p-rich_text_list__bullet p-rich_text_list--nested" data-stringify-type="unordered-list" data-list-tree="true" data-indent="0" data-border="0"> <li data-stringify-indent="0" data-stringify-border="0"><b data-stringify-type="bold">U.S. Air Force Veteran</b> – 9 Years of Service</li> <li data-stringify-indent="0" data-stringify-border="0"><b data-stringify-type="bold">Accredited Credit Professional</b></li> <li data-stringify-indent="0" data-stringify-border="0"><b data-stringify-type="bold">Founder & Business Owner Since 2023</b></li> <li data-stringify-indent="0" data-stringify-border="0"><b data-stringify-type="bold">Specialized in Personalized Credit Repair Solutions</b></li> </ul> <div class="p-rich_text_section"><b data-stringify-type="bold">Mission & Commitment</b><br aria-hidden="true" />John is committed to providing <b data-stringify-type="bold">ethical, personalized credit repair solutions</b> designed to help clients:</div> <ul class="p-rich_text_list p-rich_text_list__bullet p-rich_text_list--nested" data-stringify-type="unordered-list" data-list-tree="true" data-indent="0" data-border="0"> <li data-stringify-indent="0" data-stringify-border="0">Improve credit scores</li> <li data-stringify-indent="0" data-stringify-border="0">Remove inaccurate or unfair negative items</li> <li data-stringify-indent="0" data-stringify-border="0">Rebuild financial confidence</li> <li data-stringify-indent="0" data-stringify-border="0">Create long-term financial stability</li> </ul> <div class="p-rich_text_section">Every client relationship is approached with care, confidentiality, and a results-oriented strategy—because credit repair is not just about numbers, but about restoring opportunity and peace of mind.<b data-stringify-type="bold">A Leader You Can Trust</b></div> <div class="p-rich_text_section"><br aria-hidden="true" />John’s unique combination of military discipline, professional accreditation, and real-world experience allows him to lead with confidence and compassion. His mission is simple: <b data-stringify-type="bold">help families move forward financially with clarity, control, and confidence</b>.</div>

Carl

Senior Consultant

Carl

Senior Consultant
Carl Murdock is the Senior Credit Advisor and lead consultant at A New Beginning Consulting, a credit repair and financial consulting firm dedicated to helping clients repair, rebuild, and reposition their credit profiles. With a background in sales, consulting, and client strategy, Carl brings a results-driven yet educational approach to credit repair. Rather than offering one-size-fits-all solutions, he works closely with each client to analyze their credit reports, identify negative or inaccurate items, and implement customized dispute and improvement strategies. Carl is known for being straightforward, transparent, and client-focused. His goal is not only to help clients improve their credit scores, but also to empower them with the knowledge needed to maintain strong credit habits long after the process is complete. Through A New Beginning Consulting, Carl has helped clients move closer to major financial goals such as home ownership, vehicle financing, business funding, and overall financial stability.

Jhomar

Assistant

Jhomar

Assistant
Jhomar is a Finance Consultant and Administrative Associate at A New Beginning Consulting, where he plays a key role in supporting client operations and internal workflows. He is a Bachelor’s degree graduate with professional experience in appointment setting, customer service, and client relationship management. With a strong focus on organization, accuracy, and clear communication, Jhomar manages billing coordination, email and chat support, and scheduling to ensure clients receive timely and reliable assistance. He is experienced in addressing client concerns with professionalism and care, helping create a smooth and transparent experience throughout the credit improvement process. Jhomar is committed to A New Beginning Consulting’s mission of providing ethical, client-focused credit solutions and contributes to the firm’s dedication to long-term financial stability and trust.

Prem

IT Consultant

Prem

IT Consultant
<p data-start="235" data-end="491">I’m a results-driven digital marketer focused on building growth systems that are clear, measurable, and built to scale. My work sits at the intersection of strategy, performance marketing, and analytics — where decisions are guided by data, not guesswork.</p> <p data-start="493" data-end="820">I help businesses move beyond surface-level marketing by designing structured systems that attract the right audience, communicate value effectively, and convert consistently. From paid acquisition and SEO to funnel optimization and performance tracking, I focus on creating marketing that delivers outcomes, not just activity.</p> <p data-start="822" data-end="1041">I approach every project with a strong understanding of business goals, user intent, and long-term sustainability. Instead of quick wins, I prioritize frameworks that compound over time and support real business growth.</p> <p data-start="1043" data-end="1068"><strong data-start="1043" data-end="1068">What I specialize in:</strong></p> <ul data-start="1069" data-end="1351"> <li data-start="1069" data-end="1125"> <p data-start="1071" data-end="1125">Performance marketing across Google & Meta platforms</p> </li> <li data-start="1126" data-end="1175"> <p data-start="1128" data-end="1175">SEO & AEO strategies for long-term visibility</p> </li> <li data-start="1176" data-end="1235"> <p data-start="1178" data-end="1235">Conversion-focused funnel and landing page optimization</p> </li> <li data-start="1236" data-end="1292"> <p data-start="1238" data-end="1292">Analytics, tracking, and data-driven decision making</p> </li> <li data-start="1293" data-end="1351"> <p data-start="1295" data-end="1351">Building scalable marketing systems for growing brands</p> </li> </ul> <p data-start="1353" data-end="1497">I work best with founders and teams who value clarity, execution, and measurable progress — and who want marketing that works in the real world.</p>
Faq

Asked Any Questions

Credit repair is the process of improving a person’s creditworthiness by removing errors or negative items from their credit report. This can be done by:
  • Disputing inaccurate information with the credit bureaus or
  • Negotiating with creditors to remove negative items.
  • A soft inquiry does not impact your credit score and occurs when you check your own credit or a lender pre-approves you.
  • A hard inquiry happens when you apply for credit and may lower your score slightly.

Paying down balances, making on-time payments, and disputing inaccurate information are some of the fastest ways to improve your credit.

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