As a credit consultation firm, we are always being asked the very same question from many different people, how can I obtain my dream house with a credit score below 700, how can I obtain a credit card from the bank with a credit score below 650, and how can I get into a new set of wheels with such a poor credit score. You credit score is being pounded by inaccurate reporting, late payments, derogatory accounts, or 70% of your credit utilization, how can I crawl out of my credit mess, and get into a clean slate, and a great credit again? You have come to the right place. PNY Credit Solutions LLC. Is the credit consultation firm which will help you achieve just that.