We are dedicated to helping you repair, restore and rebuild your good name..

  • Who We Are

    We're on a mission to educate as many people as possible to enhance their financial future.

    Ms. Tahkia Fulton

    CEO & Founder

    Ms. Fulton is an extraordinary woman who has a passion for helping others reach their financial goals in life. She founded One Cent Financial Services, LLC in 2014 after the untimely death of her mother Penny "1 Cent" Fulton.


    Ms. Fulton has a Master's of Business Administration from the University of South Florida. Which is accompanied by a strong background in business and finance. Ms. Fulton works diligently to educate her community on financial stability and using credit wisely.

  • What We Do

    Here at One Cent Financial Services we take pride in educating our clients to make informed financial choices. Whether it's applying for a credit card, car loan, college education, or home purchase. Our company is here to help in anyway possible.

    We Can Help Remove:

    • Collections
    • Charge-offs
    • Tax Liens
    • Judgements
    • Student Loans
    • Late Payments
    • Vehicle Repossessions
    • Child Support
    • Medical Bills
    • Identity Theft


    CLICK HERE to schedule your FREE credit consultation with a certified credit expert.

    Excellent credit scores lead you to qualify for lower rates on car loans, credit cards, insurance, mortgages and so much more.

  • How It Works

    We are a professional company who will work diligently for you. We will correct erroneous credit reporting information on your behalf. We are committed to removing negative information off your credit report with all 3 credit bureaus. While providing the highest level of customer satisfaction.


    Tired of being turned down for having bad credit? Planning on financing a new car or buying that dream home? We can help you turn those plans into actions.


    ​No contracts or obligations! We are ready to serve you and build sustaining client relationships. Together we will create a customized audit including a action plan catered to your financial goals.


    Schedule your FREE CONSULTATION.



    Choose a plan that fits your budget.


    Credit Goals

    Pay Per Delete

    $149 Audit/Enrollment Fee

    $0 Monthly


    Financial Goals

    Budget Savvy

    $99 Audit/Enrollment Fee

    $79 Monthly



    We use different methods in combination with FCRA laws to dispute the accuracy of the negative items reporting on your credit report.


    Each round consist of us disputing the negative items. The credit bureaus have 30 days to delete or verify the debt. If it is not deleted in round 1, it will be resubmitted in round 2 until its deleted. Most clients see results in the first 45 DAYS.

  • Book Consultation

  • Credit Repair Specials

    This promotion includes the following:

    • Credit Coaching
    • Unlimited 3 Bureau Disputes
    • Credit Concierge Service
    • 24/7 Client Portal
    • Money Back Guarantee if No deletions in 90 Days
    • No Contract

  • Who's Talking About Us

    We love helping good people, REMOVE bad credit.

    -M. Carey

    Before One Cent Financial Services, I was pretty much living by pay check, now I am able to pay all bills on time and still have spending money and a savings. OFCS provided me with a peace of mind. If you are looking for someone to help with financial peace, I would definitely recommend OCFS. With most credit repair companies you are doing most of the work, with OCFS you will feel relaxed and know someone is helping you get back track and stay current with your financial needs. OCFS ensures that your needs are being met.
    One Cent Financial Service provided professional help with my finances. They offer a vast amount of services including tax returns, credit counseling, and credit repairs. I've been going to OCFS for over a few years and they have been a great help especially budgeting my finances. I was able to fix my credit and maintain a healthy credit score. OCFS offer great customer service. You are provided with the one on one client relationship without feeling as if you are doing this by yourself. OFCS is with you every step of the way. Your response to questions and concerns are answered in a timely manner and you're never left unease.


    I'm extremely happy that I decided to proceed with this service. I signed up on 7/9/2016 dispute letters were sent on my behalf on 7/10. I received a letter from Experian on 7/22 stating an item was removed and then to top it off my score increased 15 points in 30 days... The proof is in the pudding. I can't begin to express how satisfied I am....I'm on my way to excellent credit!!

  • Contact Us

    Our phone lines are open and ready to assist you. Either pick up the phone and call us, text us, send us an email or simply fill out the form below.

    11023 NW 27th Avenue, Miami, Fl 33167
  • Clients

    Clients have 24/7 access to their credit file and dispute process.

    • Upload response letters from Experian, Equifax and TransUnion.
    • Email notifications
    • ​Send us a referral.
    • Send secure messages
    • Budget and finance tools for financial planning.
    • Credit education tips.
    • Track real-time results.


    Build/Rebuild Credit

    We have trusted partners to guarantee approval for all credit types.

    CLICK HERE to apply today.

  • Build Positive Credit