Houston Credit Restoration & Credit Strategy · Since 2017
Your Credit Is Holding Your Household Back. Structure Changes That.
FIG Restoration is a household-based credit strategy firm. If you've tried credit repair and still feel stuck, we build a structured plan to rebuild credit and move your household forward, whether that means buying a home, qualifying for financing, or finally getting stable.
Book My Credit Strategy Session — $97✓ 45 minutes, one-on-one ✓ Full 3-bureau review ✓ Bring your partner free ✓ Fee applied toward enrollment
You have the right to improve your credit yourself. Hiring a credit service is optional and not required.
★ 50+ Five-Star Reviews
Established 2017
Faith-Based Approach
Helping Families
Houston & Nationwide
Featured In & Trusted By
Black Enterprise
Community Development Lenders (CDFIs)
Women's Business Enterprise Alliance
Realtors & Mortgage Lenders
Your Next Step
Your $97 Credit Strategy Session
Not a generic phone call, and not a sales pitch. In 45 minutes, we will:
1
Review
Review your full 3-bureau credit profile
2
Identify
Identify the key issues currently impacting your scores
3
Outline
Outline your next best action based on your specific goals
How We Get You There
The FIG Restoration Method™
Recovery → Awareness → Readiness → Restoration → Establishment
Five stages that take a household from damaged credit to lasting structure.
Real Results
Real clients. Real scores. Real households established.
+47 points in 30 days
“The Credit Strategy Session alone helped boost my score 47 points in 30 days. They didn’t try to take advantage of me and I learned so much about credit. Go book your session now!”
Z.W. · ★★★★★ · Verified Google Review
+100 points — homeownership in reach
“My credit score increased by over 100 points. Before working with them, I felt stuck. They walked me through everything step by step. Because of their help, I now feel like homeownership is actually within reach.”
K.K. · ★★★★★ · Verified Google Review
+200 points
“She was consistent, patient, and completely honest throughout the entire process. Because of her dedication and expertise, my credit score improved by nearly 200 points.”
J.T. · ★★★★★ · Verified Google Review
560 → 720 in 6 months · Now house hunting
“She is a master of her craft and she really cares about families. Our scores went from 560 to 720 in 6 months. Now we are house hunting!”
S.S. · ★★★★★ · Verified Google Review
Meet Your Credit Strategist
Led by Moncy Hawkins, CFEI
Credit Strategist · CFEI · Board Certified Credit Consultant · 20+ years in corporate finance at Deloitte, ExxonMobil, Accenture, and ENGlobal
After rebuilding her own credit twice, Moncy now helps individuals and families create structure, stability, and long-term financial progress.
Established 2017
50+ Five-Star Reviews
Faith-Based Approach
Helping Families
Houston & Nationwide
Certifications
Who We Help
You may be a good fit if:
Trying to buy a home
Trying to get approved for an auto loan
Trying to qualify for business funding
Trying to qualify for an apartment or rental housing
Rebuilding after a job loss, divorce, or financial hardship
Tired of guessing what to dispute, what to pay, and what to avoid
Ready for a structured plan instead of another DIY attempt
If your credit is standing between you and your next step, this is where you start.
Book Credit Strategy Session — $97Why FIG Restoration
Why Choose to Improve Credit with FIG Restoration
Most people who come to us have already tried to fix their credit alone — disputing items, waiting for results, or working with companies that sent letters but never gave them a real plan.
The problem usually wasn’t effort. It was direction.
FIG Restoration is different because we combine 20+ years of financial expertise, a certified credit education background, and a faith-centered approach that treats you like a person — not a case number.
What Makes Us Different:
✔ Household-Based Strategy – We plan around your whole household and its goals, not just a score.
✔ The FIG Restoration Method™ – A structured path from Recovery to Awareness, Readiness, Restoration, and Establishment.
✔ A Faith Foundation – FIG stands for Faith In God. Our work is grounded in stewardship and accountability.
✔ Lived Experience – Moncy rebuilt her own credit twice. She knows the road because she has walked it.
Book Your Session
Start With Your $97 Credit Strategy Session
$97
45 minutes · one-on-one
This is a required one-on-one session designed to determine the right path forward based on your credit profile. It is not a generic phone call, and it is not a sales pitch. In 45 minutes, we will:
✓ Review your full 3-bureau credit profile
✓ Identify the key issues currently impacting your scores
✓ Outline your next best action based on your specific goals
You’ll leave with clarity and a real next step — not more confusion.
$97 for individuals. Bring your partner at no additional cost (up to two adults).
If we both agree to move forward after your session, this fee is applied toward enrollment in the Family Credit Restoration Program.
*Results vary based on individual credit history, participation, and creditor responses. No specific outcomes or timelines are guaranteed.
Client Reviews
Real clients. Real progress. Real credit transformation.
★★★★★
Moncy Hawkins is THE TRUTH! I learned more about credit in 15 minutes than I knew my entire life. She delivers tremendous value and excellent service to her clients while operating with the utmost professionalism.
C Brobey
★★★★★
I highly recommend FIG Restoration, Moncy Hawkins was very good and helpful in restoring me and my husband credit. She was very patient and very thorough in letting us know what we had to do to establish good credit, the information was very helpful now I we're in a good position in owning our home.
C Paul
★★★★★
I had the privilege of being in the room twice while Moncy Hawkins presented compelling reasons why credit is important. Her knowledge as a credit repair specialist is outstanding. I highly recommend FIG Restoration to any who seriously wants to improve their credit and financial situation. Moncy's honesty and integrity is beyond reproach.
M Willis
Credit Questions, Answered
Questions Families Ask Before They Start
Is FIG Restoration a credit repair company?
No. FIG Restoration is a household-based credit strategy firm. Credit repair usually means disputing items and waiting. We build a structured plan around your whole household and your goals, like buying a home, qualifying for financing, or getting stable, and we guide you through every step.
What happens in a Credit Strategy Session?
In 45 minutes, one-on-one, we review your full 3-bureau credit profile, identify what is holding your scores back, and outline your next best step. It costs $97, your partner can join at no extra cost, and the fee is applied toward enrollment if we move forward together.
How long does it take to rebuild credit?
FIG works aggressively and strategically. Some clients see progress in 30 to 45 days, others in 6 months to a year. Every plan is built specifically around your household.
Can you remove negative items from my credit report?
We address every item on your report strategically and lawfully. No honest firm can promise to delete accurate information. What we promise is structure: a clear plan for every account on your report.
My lender said my credit doesn't qualify yet. Can you help?
Yes. Through The Closing Bridge, we build your scores to qualify, then stay with you through pre-approval and all the way to closing.
Do you only work with Houston clients?
No. FIG Restoration is based in Houston and serves households nationwide. Every session is held by phone or virtually, so you get the same one-on-one service wherever you live.
Ready to Move Forward with your Credit Restoration Journey?
Your financial future deserves a clear strategy. Whether you’re working toward homeownership, better financing, or greater financial stability, FIG Restoration is here to help you move forward with confidence.
We don't just fix credit. We establish households.
BOOK MY CREDIT STRATEGY SESSION — $97Our work is grounded in faith, stewardship, and responsibility.