Credit Repair & Financial Consulting
Your Credit. Your Future. Let's Fix It.
MTG Credit Solutions brings mortgage banking expertise and compliance-level precision to credit repair — so you get real strategy, not guesswork.
Credit isn't just a number — it's access, opportunity, and peace of mind.
Whether you're rebuilding after setbacks, preparing for a mortgage, or simply tired of being held back by your credit score — MTG Credit Solutions gives you a clear plan and someone genuinely in your corner.
Start Your Journey
Founder & CEO
Michael Gaffney
Meet Michael Gaffney
A background in finance. A passion for helping people.
Michael spent a good chunk of his career working in mortgage banking, underwriting, and compliance. Over time, he saw firsthand how confusing the credit system can be — and how often good people got stuck simply because no one took the time to explain how it actually works.
That's really what MTG Credit Solutions is about. Michael wanted to create a place where people could get honest guidance, a clear plan, and someone genuinely in their corner.
— Michael Gaffney, Founder
Straightforward education
Cutting through the noise so you actually understand your credit.
Real underwriting logic
Strategic credit planning rooted in how lenders truly think.
Compliance-level precision
Professional-grade dispute tools — no cookie-cutter plans.
Long-term confidence
Coaching that empowers instead of overwhelms. No temporary band-aids.
What We Do
Credit Repair & Restoration
Professional-grade dispute tools and compliance-level precision to remove inaccurate, outdated, and unverifiable items from your credit report.
Strategic Credit Planning
A personalized roadmap built on real underwriting logic — so you know exactly what to do and in what order.
Credit Education & Coaching
Straightforward education that cuts through the noise. Understand your credit so you can make better decisions.
Debt Management Guidance
Smart strategies for managing and reducing debt while protecting and building your credit profile.
Mortgage Readiness
Specialized preparation for homebuyers — get your credit profile lender-ready with someone who knows exactly what underwriters look for.
Long-Term Financial Confidence
Beyond the quick fix — we build habits, systems, and knowledge that keep your credit strong for life.
Investment in Your Future
Choose Your Path to Better Credit
Every package is built on years of mortgage banking expertise. No cookie-cutter plans — just real strategy.
Your personalized credit roadmap
Blueprint Improvement Plan
A comprehensive, written credit improvement blueprint tailored to your specific credit profile. Know exactly what to do, in what order, and why — built on real underwriting logic.
- Full 3-bureau credit report analysis
- Personalized step-by-step action plan
- Priority dispute item identification
- Score improvement timeline projection
- Lender-readiness assessment
- 30-day follow-up check-in
Full-service credit transformation
Platinum Package
The flagship, hands-on program. Michael works directly with each client every step of the way — from dispute strategy to mortgage readiness — until credit goals are met.
- Everything in Blueprint Improvement Plan
- Done-for-you dispute letters & follow-up
- Monthly 1-on-1 strategy sessions with Michael
- Creditor negotiation support
- Debt optimization & utilization coaching
- Mortgage readiness preparation
- Priority email & phone access
- Unlimited credit report reviews
Expert guidance, one session at a time
Credit Coaching Session
A focused 60-minute strategy session with Michael. Ideal for specific questions, a second opinion, or a targeted deep-dive into one area of your credit profile.
- 60-minute 1-on-1 with Michael Gaffney
- Credit report review & Q&A
- Targeted action items & next steps
- Session summary & recommendations
- Recording provided after session
All packages include a complimentary 15-minute discovery call. Contact us to discuss which package is right for you.
From the Blog
5 Steps to Better Credit Health
Why Your Credit Health Is the Foundation of Financial Stability
Continue ReadingLet's Talk
Start with a free 15-minute consultation.
Whether you're just starting out or ready to commit to a full program, the first step is a conversation. Send a message and Michael will be in touch within one business day.
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