About Sadaf Omidy
Personal Credit Coach & Financial Educator
CEO & Co-Founder, Advanced Credit Therapy
I'm Sadaf Omidy — a licensed Credit Coach and CEO & Co-Founder of Advanced Credit Therapy, holding a Master of Science in Finance and an MBA, and a California-licensed Life Insurance professional. For over 15 years, I've helped thousands of individuals and small business owners — including professionals in real estate, mortgage, and auto — repair damaged credit, increase FICO scores, and regain financial freedom. I stand by everyone living in the U.S. — regardless of background or citizenship — to build or rebuild their credit history, reduce the principal and interest on their personal and business credit card debt and unsecured loans, and secure their family's future with life insurance. I don't just fix numbers — I change lives.
Credentials
- M.S. in Finance
- MBA
- California-licensed Life Insurance Professional — Lic. #4487804
- 15+ Years in Credit & Finance
- CEO & Co-Founder, Advanced Credit Therapy
Why Clients Choose Sadaf
In the credit-repair market, many companies either lack sufficient credit knowledge, or only stay with a client through part of the journey. I build a fully personalized plan for every client and stay through to the day the problem is truly and completely resolved — not just until the invoice is paid. I work with individuals with low credit, small business owners, and professionals in real estate, mortgage, and auto, combining financial expertise, negotiation skills, and credit analysis into one personalized strategy.
What I Offer
Credit Repair
Dispute inaccurate and unverifiable items, pursue removal of negative collections, and work to restore and increase your FICO score.
Credit Building
Smart use of credit cards, personal and business loans, and credit-utilization strategies.
Debt Reduction & Settlement
Negotiate with creditors, avoid bankruptcy, and reduce financial stress.
Life Insurance
Protect your family's future and build long-term financial security.
Whether you're looking to rebuild credit, settle debt, or secure the right insurance, I provide the guidance and support to turn financial challenges into opportunities. Let's take the first step toward a stronger financial future — together.