About Total Credit Solutions

No matter what your three-digit score says, we believe you have a right to understand how credit works, how to improve it and how to use it to achieve your goals.

Our advisors build credit and wealth for customers from all communities through personalized credit education and financial planning services.

Our Mission

We add value to the world by giving people fair-priced credit and financial planning advice with a personalized touch so they can prepare for the future they deserve with a sense of pride.

Our Vision

We want all communities to have access to quality credit and financial education – a place where credit scores increase and wealth grows for all people.


Meet The Founder

Mrs. Solutions

(aka Cheryl Smith)

Meet the heart and soul of Total Credit Solutions. Mrs. Solutions believes everyone deserves access to fair-priced personal finance and credit management advice and support. She takes pride in providing honest and thoughtful service, a touch of tough credit love, and real results that change lives.


Don’t miss your chance to build your credit knowledge.

Check out our events page to RSVP.