Two Locations to Serve You Better!

7300 W 147th St, Suite 303
Apple Valley, MN 55124

3350 Annapolis Ln N, Suite A
Plymouth, MN 55447


I've only been late a couple of times on my credit card bills. Does this mean I will have to pay an extremely high interest rate?

Not necessarily, if you've been late with your payments less than 3-times in the past year, and the payments were no more than 30-days late, you still have a good change at getting a competitive interest rate. Most lenders will accept certain reasons for this like an illness, or job-change, but explanations are required.

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