Houston-Based · Serving Clients Nationwide
Credit Restoration & Credit Strategy Services in Houston & Nationwide
FIG Restoration provides personalized credit restoration and credit strategy services designed to help individuals and families improve their credit, strengthen their financial foundation, and achieve long-term financial stability.
✓ Since 2017
✓ 1,000+ clients served
✓ Texas registered & bonded
✓ CFEI certified
1
Get your 3-bureau credit report
Pull your report from all three bureaus before your session. We need it to review your credit.
2
Book your $97 Credit Strategy Session
Meet one-on-one with Moncy for 45 minutes. Your spouse or partner can join at no extra cost.
3
Start your plan
If the program is a good fit, you enroll. Your $97 is taken off your enrollment fee.
Personal. One-on-One. Built for You.
You Are Not Just Another Number
Every recommendation is built around your unique goals, circumstances, and household—not a one-size-fits-all approach.
You work one-on-one with Moncy Hawkins, CFEI. She gets to know your household, your credit, and your goals, and your plan is built from there. Whether you need clarity or full support, our services are built to move you forward with structure, accountability, and real results.
1:1
Every client works directly with Moncy. No call centers. No cookie-cutter plans.
The FIG Promise
What sets FIG Restoration apart
✓
Personalized strategy — no one-size-fits-all
✓
Clear communication and guidance
✓
Ethical, compliant credit restoration practices
✓
Financial education that empowers you long after the program ends
Results vary based on individual credit history, participation, and creditor responses. No specific outcomes or timelines are guaranteed.
Our Services
Two Simple Options
Everyone starts with a Credit Strategy Session. If you need more help after that, the Family Credit Restoration Program is the next step.
Start Here · Step 1
Credit Strategy Session
$97
one time
45 minutes · one-on-one with Moncy · you + your partner
You deserve a real answer, not a generic checklist or a sales pitch. In 45 minutes you will walk away with clarity, direction, and a clear next step.
✓
We look at your full 3-bureau credit report
✓
We find what is hurting your scores the most
✓
We connect it to your goals (like buying a home)
✓
We tell you if restoration is needed
✓
You leave with a clear next step
Good news: your $97 is taken off your enrollment if you move forward.
After Your Session · Step 2
Family Credit Restoration Program
A structured, high-touch service. Professional oversight, strategy, and accountability over time.
Every household’s credit profile is different. That’s why every restoration plan begins with a personalized strategy designed around your goals, challenges, and financial priorities.
Individual
$399
to enroll
+ $99 / month
Couples
$597
to enroll
+ $149 / month
✓
Full 3-bureau credit review
✓
We find and rank the biggest problems
✓
We prepare and send your disputes
✓
We track every bureau and creditor response
✓
Monthly monitoring and progress updates
✓
Guidance to keep your credit healthy
✓
Professional advocacy and accountability, one-on-one
You receive your enrollment link after your session.
No Surprises
Exactly What You Pay
Here is every cost, in order.
Step
Individual
Couples
1. Credit Strategy Session
Pay when you book
$97
$97
2. Enrollment
Your $97 is taken off
$302
($399 − $97)
$500
($597 − $97)
3. Monthly service
Each month while you are in the program
$99
$149
Is This For You?
Who We Help
✓ A good fit if you…
Have a steady income again after a hard season
Are serious about fixing your credit
Want a professional to guide you, not DIY advice
Are ready to follow a plan and stay with it
✕ Not a fit if you…
Want overnight results or a guarantee
Are in a money crisis and need debt relief first (we are not debt settlement)
Want illegal shortcuts or tricks
Are not ready to take part in the process
How We Work
The FIG Restoration Method™
Every household we serve moves through a structured process designed to create lasting financial stability.
Stage 1
Recovery
Your income is back, but the credit damage is still there.
Stage 2
Restoration
We clean up your reports and rebuild with a plan.
Stage 3
Establishment
Your household has strong credit and a plan to keep it.
How long does it take? FIG works aggressively and strategically. Some clients see progress in 30–45 days. Others work with us for 6 months to a year. Every plan is built around your household.
FIG Fans
What Our Clients Say
★★★★★
“I highly recommend FIG Restoration, Moncy Hawkins was very good and helpful in restoring me and my husband credit… now we're in a good position in owning our home.”
— C. Paul
★★★★★
“She stayed by my side every step of the way… I never thought I can get my credit score as high as I did.”
— M. Portis
★★★★★
“Moncy Hawkins is THE TRUTH! I learned more about credit in 15 minutes than I knew my entire life.”
— C. Brobey
★★★★★
“Love this company. Moncy is warm hearted and very knowledgeable… I would recommend her to anyone needing support with their credit.”
— T. Shannon
★★★★★
“Moncy is incredible, she gets straight to the point! I love that she is honest… You will not be disappointed!”
— Apple's World
Ready to be our next success story?
Book My Session — $97Questions
Frequently Asked Questions
How much does credit restoration cost at FIG Restoration?
Everyone starts with a $97 Credit Strategy Session. If you enroll in the Family Credit Restoration Program, it is $399 to enroll plus $99 a month for individuals, or $597 to enroll plus $149 a month for couples. Your $97 is taken off your enrollment.
Why do I have to start with a Credit Strategy Session?
Every credit report is different. The session lets us review your full report and your goals first, so every recommendation is built around your household and we only recommend what you actually need.
What do I need before my session?
A current 3-bureau credit report from Experian, Equifax, and TransUnion. You can get one using the link in Step 1 above.
Can my spouse or partner join my session?
Yes. One session covers you and your spouse or partner (up to two adults) at no extra cost.
Do you work with clients outside of Houston?
Yes. FIG Restoration serves clients in Houston and nationwide. Every client gets the same one-on-one service, no matter where you live.
How long does credit restoration take?
Some clients see progress in 30–45 days. Others work with us for 6 months to a year. It depends on your credit report and how the bureaus and creditors respond.
Do you guarantee results?
No. No ethical credit professional can guarantee results or timelines. Results vary based on your credit history, your participation, and creditor responses.
Is FIG Restoration a debt settlement company?
No. We do not negotiate or settle debts. If you are in an active money crisis, you may need debt relief first.
Results vary based on individual credit history, participation, and creditor responses. No specific outcomes or timelines are guaranteed.
Your Next Step
Your Credit Is Holding You Back. Let’s Change That.
Book your Credit Strategy Session today. In 45 minutes you will know where you stand and exactly what to do next.
Book My Credit Strategy Session — $97