Your Personalized Discovery Call Starts Here
Choose a time that works for you and connect directly with a Credilife® Senior FICO™ Certified Credit Expert.
Here’s What You’ll Gain From This Call
Take the first step toward clarity and control.
Uncover the “Why” Behind Your Credit Challenges — Identify the root causes affecting your credit and your confidence.
Review Your Current Credit Profile — Gain clarity on opportunities for improvement and areas to address strategically.
Define Your Financial Goals — Discuss what control and peace of mind look like for you — whether it’s qualifying for a home, lowering debt stress, or rebuilding stability.
Map the Right Direction Forward — Receive professional guidance on the next best steps and which Credilife® solution fits your goals and timeline.
Don't worry, we can help!
Meet the Team Behind Credilife®
Real experts. Real experience. Real people dedicated to helping you achieve lasting financial confidence.
Brian Del Terzo
Co-Founder & Program Director
Passionate about empowering individuals to take back control of their credit and financial lives through education and strategy.
Jerrad Havins
Co-Founder & Financial Freedom Strategist
Brings over a decade of experience in financial wellness and credit optimization, helping clients build lasting financial independence.
Chris Kruger
FICO-Trained Senior Credilife Coach
A 30-year veteran in mortgages and credit, known for his compassionate, results-driven approach that helps clients rebuild credit and restore confidence.
Jeremy Deysach
FICO-Trained Senior Credilife Coach
A 28-year veteran in banking, mortgages, and credit, dedicated to helping clients rebuild financial strength through expert guidance and proven strategies.
Rick Wenner
FICO-Trained Senior Credilife Coach
A 25-year veteran in collections and credit, recognized for guiding clients through complex credit challenges with clarity, care, and accountability.
Tyler Honigschmidt
FICO-Trained Credit & Student Loan Pro
Specializes in student loan solutions and education, helping clients make informed, confident repayment choices.
Katy Lofsness
FICO-Trained Account Manager
Manages client investigations and round updates, ensuring accuracy, consistency, and accountability at every stage.
Joseph Cristobal
Membership & Billing Manager
Oversees membership and billing operations to ensure uninterrupted program progress and a seamless client experience
“We’re more than credit experts — we’re partners in your credit transformation.”
I had a truly outstanding experience with Credilife, who navigated me through the details of handling my daughter’s student loan. I could not have been happier with the service that I received! I was impressed with the professionalism of Jerrad Havins and his team! Jerrad was patient and knowledgeable, explained everything in clear and simple terms. I also appreciated receiving consistent communication with regular updates to keep me informed of the status of the loan. Credilife helped navigate the necessary steps to rehabilitate the loan and place it in a solid credit standing. I would not hesitate to contact Credilife for any other financial need.
I was referred to Jeremy for help with making sure my credit was ready for a home purchase. I relayed all my info to Jeremy and instead of trying to up charge me or sell me needles services he was 100% honest with me and steered me in the right direction and saved me lots of $$$ Jeremy is very experienced and totally professional and I will be using Credilife for all my repair needs and will definitely be referring all my family and friends to him! Thank you so much Jeremy you are awesome!!!😎🤙🏽
Just had our initial consultation. I already feel like I know a loy more about credit reports and have confidence that our credit reports will be cleaned up and credit scores will increase. As non financial people we have no idea what does and does not belong on a credit report. Chris was extremely thorough and professional.
