Rebuild Your Credit. Grow Your Financial Confidence.
Expert Credit Repair, Business Credit Building & Life Insurance Solutions – Customized for You.
About Fred Livai Financial
At Fred Livai Financial, we help individuals and businesses repair credit, build strong business credit profiles, and secure life insurance coverage that protects what matters most. With years of industry experience and a proven process, we empower our clients to achieve financial freedom.
Strategic Credit & Financial Services Built Around You
We don’t use one-size-fits-all solutions. Every client gets a personalized strategy based on their goals, credit profile, and long-term financial picture.
Credit Repair Services
Targeted dispute strategies, consumer-law advocacy, and step-by-step guidance designed to correct inaccuracies and strengthen your credit profile.
Credit Audit & Analysis
A deep tri-bureau review that identifies errors, risks, and opportunities — so you know exactly where you stand and what to fix first.
Business Credit Consulting
Business credit setup, compliance guidance, and funding strategies to help you separate personal and business credit the right way.
Life Insurance Planning
Straightforward life insurance guidance to protect your family, income, and business — without confusion or pressure.
Have questions about which service applies to you? Call now and speak with an agent.
Real-World Scenarios
How We Help Clients Move Forward
Every situation is different. Here are common scenarios we work through every day.
Credit Report Errors
Incorrect balances, outdated collections, duplicate accounts, mixed files.
Rebuilding After Setbacks
Late payments, charge-offs, collections, or past financial mistakes.
Business Credit Setup
Separating personal credit, building business profiles, funding readiness.
Family & Income Protection
Life insurance planning to protect loved ones and long-term stability.
MEET THE TEAM
Meet the People Behind Fred Livai Financial
Jordan - Client Support Specialist
Your go-to agent for real-time answers.
Fred Livai – Founder & Lead Financial Advocate
Expert in credit repair and life insurance strategies.
OUR PROCESS
How We Help You Move Forward — Step by Step
Step 1
Review & Understand Your Credit
We start with a detailed review of your credit reports to identify errors, risks, and opportunities — so you know exactly where you stand.
Step 2
Challenge Inaccuracies Strategically
When errors or inconsistencies appear, we take a targeted, compliant approach to addressing them using proven dispute and advocacy methods.
Step 3
Build Smarter Financial Habits
We help you implement practical strategies around payments, balances, and account management to strengthen your credit over time.
Step 4
Track Progress & Adjust as Needed
Your progress is monitored, and your strategy is adjusted as needed to keep you moving toward stronger credit and long-term financial stability.
Have questions about how this applies to you? Call now and speak with an agent.
WHY CREDIT MATTERS
What Stronger Credit Can Unlock for You
Lower costs. Better options. More control.
Improving your credit isn’t about chasing a number — it’s about opening doors. Stronger credit can reduce the cost of borrowing, expand your options, and give you more confidence when making financial decisions. Our role is to help you understand what’s holding your credit back and guide you toward smarter, more sustainable progress.
Lower interest rates and fees
Better credit can mean paying less over time on loans, credit cards, and financing.
Stronger approval odds
Lenders, landlords, and service providers look at credit when making decisions.
More flexibility and leverage
Strong credit gives you more options — and more negotiating power.
Less stress, more confidence
When your credit improves, financial decisions become clearer and easier.
CLIENT FEEDBACK
What Clients Are Saying About Approve My Score, a Fred Livai Financial Company
We believe trust is earned through clarity, consistency, and real support. Our clients come to us with questions, concerns, and uncertainty — and we meet them with honest guidance and a clear plan forward. Here’s what people have shared about their experience working with Fred Livai Financial.
Every situation is different. Results depend on individual credit profiles and circumstances.
Office: PO Box 3712
Hayward, CA 94540
Call 510-422-2884
Email:[email protected]
Site: www.fredlivai.com