I explicitly trust Alan Hayon of The Credit Desk, yet I have never met him in person. Check out this incredible timeline because it is unbelievable, but I am living proof that it is all factually accurate. August 9, 2019: Alan hired me to produce a client testimonial interview with Chris and Michelle Jones. (video now on YouTube). During and after the interview I kept thinking "This is my story, but only the sad part". I could feel the Jones family pain because it was so close to my own. August 27, 2019: I signed up online with The Credit Desk with a few easy clicks. Alan immediately went to work. It was late at night, but he seemed excited to be helping me. He ensured me he would get my business incorporated in no time, get me a Federal EIN number, get my business set up with Dun&Bradstreet - D&B (think business credit bureau), clean up my already good personal credit score (which was 770 at the time), do all the important filings on my behalf, and more. My D&B score was zero out of 100. Over the next two weeks, I receive emails with helpful information, including a few that needed me to authorize or approve 'something' that Alan had requested on my behalf. I will be honest; it was a bit scary but yet very exciting. Some of the time I had no clue and I would call him, Alan would explain why, and what my next expectation should be. My trust in Alan started growing, yet I fostered a healthy level of skepticism. September 13, 2019: I receive an email congratulating me that my business was incorporated. Wow! September 16, 2019: Alan had opened a couple of trade accounts on my behalf with companies that report to D&B in order that I might start building a corporate credit profile. I was told to place an order with each of these new trade accounts, and I did so without having to pay at checkout, meaning I now had credit accounts with reputable companies, and I only have to pay them in 30 days, which is great for my cash flow, and a huge boost for my confidence. September 17, 2019: I received my EIN (Federal Employer Identification Number) - basically the same as a social security number, but for my business. Cool, right? But wait, that is not all. Alan called me after dinner and we did a screen share and he showed me how my D&B score was up to 57/100. Folks, that is a 57% boost in 21 days! Who does that? Did I mention that today Alan also helped me apply for my first corporate credit card in my business name, and I was approved in 30 seconds. That's not even the best part. My new corporate credit card offered me balance transfer and 0% for 12 months, so upon Alan's advice, I transferred my personal credit card debt to the business account, saving my family 18% interest on the outstanding balance, and now my personal credit score is going to go through the roof because I have ZERO personal credit card debt. Again, who does that for you. September 18, 2019: Alan Hayon is the G.O.A.T. in his industry. He should not be viewed as another credit repair guy. Alan is a magician. Here is what I suggest you do TODAY. Call Alan, then PAY HIM, and let him go to bat for you, your business and your family. Do it in that order: CALL, PAY, WATCH, and enjoy the journey. If you are still skeptical, then call me. Just Google HDPERFECT and contact me and you will hear from me first hand. I was not paid to write this review. Alan is 100% unaware (at this point) that I am posting this review. He deserves more credit than what I can give him, and mainly because he is not only a genius at what he does, but he is passionate about helping folks like you and me succeed, and live our dreams. I can hardly wait to tell my wife that we now have zero personal credit card debt. Z-E-R-O! read more

Basically, Alan Hayon makes things happen. He is the reason I'm writing this keep it brief. I own a small restaurant in Providence, Rhode Island. Our industry has its high and low seasons, so there are times when additional working capital is needed. I had one of those "You can't go to the bank" credit scores, meaning when I needed extra funds, the only way I could get it was the good old merchant cash advance which was always easy to obtain, but the rates are HIGH. Four months ago, I needed working capital. I called my broker over at PopCash. He funded me $20k. His rates and terms are in the 40% range with daily repayments, and120 days to pay back because my credit was mid to high 500's. After getting the 20k, my broker insisted that I "use his credit guy Alan". He said "Your quality of life will improve." "You'll get better terms on your cash advances." "Let Alan work on your credit." Ive been there & done that. Credit repair guys are all the same, right? Well, not so! I bit the bullet and started working with Alan and the Credit Desk. I paid him and didn't check in for a few months. So 4 months go by and I need another advance. The advance 4 months ago had a small balance, so I called to get a renewal. What happened next is the reason I'm writing this review. My broker calls me and says, "I GOT YOU APPROVED $30K FOR 180 DAYS (6 MONTHS!) AND THE RATE IS IN THE LOW 30'S! The extra 2 months to pay this loan is a HUGE help when it comes to that killer daily payment. Not only that, he got me a weekly payment instead of daily. I couldn't believe it! After I got over the shock and amazement of the best deal I have ever been offered, I asked him how it was possible. I thought I was dead to lenders. He said, "I can't take credit for this one, Alan got your FICO to a 640 and built up your business credit which opened your business up to a new bucket of funders that give longer terms and cheaper money". Here's the bottom line...Use Alan and see what happens. read more

At Business Growth Strategies, we help Small Business Owners secure business loans lines of credit and SBA financing. As you can imagine, sometimes our clients need help improving their credit to meet the lenders requirements. This is where The Credit Desk and Alan come in. Alan has been a tremendous help not only helping them with their personal credit, but helping them establish their business credit. The SBA is the loan that everyone wants to get, it's the cream of the crop, but they are very selective whom they lend to. Alan is THE EXPERT in this field. He has helped several of our clients meet the guidelines that are required. We have never second guessed our partnership with Alan and The Credit Desk and highly recommend their services. Here is an example of the awesome work he does. This client did not have any business credit and in JUST 22 days, Alan has them ready to apply for an SBA Express loan with a single digit interest rate! Not only are we impressed with Alan's quick turnaround but our client is thrilled with the results. Michael Sylkatis Business Growth Strategies read more

My Life is different because of Alan and his team. Real life personal circumstances can make you feel there's no hope in ever getting your credit score to a point of financing a new car, buying a house or just basic financial needs. I had a long conversation with Alan he didn't judge me. He assured me with his long time experience he could begin the repair on my credit immediately making the whole experience be less worrying and more effective.  Anytime I had questions throughout the process Alan or his team provided a very clear picture of my credit situation. I have recommended many people to Alan because he is a man of his word and has proven his honesty and integrity. Thank you Alan for your compassion in helping me attain a different lifestyle with a new and improved excellent credit score. You Rock!! read more

Alan Hayon was AMAZING. I had a surprise credit score drop mid-mortgage process and he was referred to me by my loan officer. He immediately went to work and was able to improve my score by almost 100 points in about 30 days. I am a lawyer who focuses my legal practice on real estate transactions-Alan is a great and valuable resource for me and my clients. I have also referred Alan to a friend of mine who is equally as happy. Not only is Alan great at what he does, he is well versed in his field and a great educator. Since closing, my credit has continued to improve. Alan is now assisting me with consolidating my student loan debt and establishing credit for my business. Thanks Alan-you are worth every penny! read more

I first met Alan Hayon ten years ago (before The Credit Desk). I had recently divorced and my credit had taken a huge hit. I left everything in Alan's hands. He was calm in the chaos and within three months, I reached my target FICO score of 700. Alan asked me all the right questions and knew exactly how to target the problem areas of my credit. He wrote letters, and removed duplicate items from my report. I was able to use my new score to purchase an apartment. Life Happens, so here I am ten years later, in need of some credit tweaks. When I considered seeking credit help again, there was no doubt in my mind that I would use Alan Hayon & The Credit Desk service. It's a no brainer. read more

I have been in the mortgage industry for 26 years and before I met Alan Hayon, I had never met anyone in the Credit Repair space that I could trust. Once in while a Credit Repair guy would come through for a client of mine, but in most cases, they were tough to get in touch with, the end fee was always higher than the quoted fee and promises were rarely kept. Alan has always been honest with my clients regarding his fees and has always set realistic expectations. If anything, he has undersold and over delivered in most cases. Alan helps me close loans and my clients have all had pleasant experiences with him. I would give 6 stars if possible! read more

I've used Alan's services for my clients, so far he's helped every single client I've sent him get the credit they need to get a business loan with phenomenal rates! He will drastically increses your personal and business credit score and he's a real professional that knows what he's doing. I've been so impressed with Alan's performance I went to him myself so that I can get a boost in my credit aswell! So far everything is great and I'm looking to get a really good rate on my mortgage because of him! Highly recommend Alan. 10 out of 10!!! Attatched is a screenshot of the improvement one of my clients saw! read more

I had used credit repair services a couple of years ago from Alan Hayon and was very impressed on showing me what was exactly needed to be completed and removed, explained the "whys" and "hows" on my credit file. Had used another company that "claimed" that I can get a perfect score within 21 calendar days. That person scammed me out of a few hundred bucks and nowhere to be found! Will be returning and using Alan's services for one more credit sweep this month before I purchase a house on Guam. Monica Thomas Tamuning, Guam read more

Alan is Great! He was able to help my company which had never needed credit until we started to expand. Alan called me back right away and got started right away. Because we had not done anything to establish business credit before that we had a paydex of 3, and he took it to an 80 within 30 days! He did exactly what he said he was going to do on our initial call. read more

Alan Hayon, has done nothing but miracles on my credit report. What I thought was the impossible he made the possible. The credit desk provides great customer service and you will definitely see results. Alan thank you you for all your hard work and dedication take off all those legitimate negative items. The credit God! Alan here is proof below. read more

The difference between something happening and not happening is someone who understands how to make it happen!! Alan Hayon at the Credit Desk is that someone!! A very knowledgeable individual with the acumen to lay out the plan needed for the right results! I can highly recommend Alan and plan on giving him future referrals!!! read more

I would recommend Alan and the Credit Desk to anyone including my best friends. He can take a complicated situation with credit and turn it around! He comes highly recommended! Invest the time and go over your situation! It is worth investing in your future! Credit is important! read more

Credit Desk offers a broad range of services for small businesses, individuals, and families. We help establish credit, improve credit, overcome loan denials, including SBA, and provide business advice and services for startup and established companies. Call us to learn more. read more

Alan Hayon, has performed miracles on my credit report. He has been able to delete items that I never thought would come off until 7 years. Alan, is a man of his word and definitely help you achieve your credit goals. Alan thank you for you hard work and excellent service. read more

Alan has been very helpful to me in getting my credit score up. It has only been 45 days so far and my score has gone up from 587 to 650. I was on the phone with him just this evening and he was helping me start the 2nd wave to get my score up even more. read more

Alan Hayon is the credit God! He is amazing. He will always answer your calls. He will fight all creditors for you. I won't speak anymore, below is my original report. I have uploaded. Alan Thank you, I'm one step closer to buying my dream home. read more

I have always wanted to find a credit specialist like this and my prayers have been answered . Alan is the best and he is always willing to explain and go over things with me. Works very fast and is on top of everything. Puts my mind at ease. read more

MAGNIFICENT! Everything he said he would do is everything he did. Answered calls/emails quickly. He was on top of everything. Never missed a beat. He got me the score I needed to get best rates for my car :) Would highly recommend. read more