Welcome to Ninja Credit Consultants

Consumer & Business Solutions

Create, Leverage, Scale

Let’s build a plan that works for YOU

With the help of our team, you will be able to position yourself in a way that is suitable for success. We specialize across many different services including Business Filings, Compliance and Credit Solutions for Personal and Business purposes as well!

Ninja Credit Consultants Home Infographic 1 Ian M Lacovara

Our Approach

Our proven workflow

We Offer Everything From Formation Services to Credit, Funding and Design Solutions Proven to Shortcut Your Path to Success. The Right Service For You is Just a Click and Message Away!


Creating the life you have dreamed for yourself can be a daunting task, but with a little effort and planning, it can be done. You need to set your goals and figure out what steps you need to take to achieve them. Once you have a plan in place, don’t be afraid to put in the work needed to make your dreams a reality.


If you want to create more passive income streams, you need to leverage your income. This means making sure that you are making the most of your earnings and saving as much as you can. It also means looking for opportunities to invest your money in ways that will generate returns over time.


To retire early, you’ll need to scale up your investments so that your passive income stream exceeds your bills, taxes, saving, and expenses. By increasing your investment portfolio, you can ensure a comfortable future and an early retirement!

Ninja Credit Consultants Financial Freedom Ian M Lacovara


Full Service Lifestyle Planning

Feeling bogged down by your day-to-day responsibilities?

We know the feeling! That’s why we offer Ninja credit consulting services to take the hassle out of your life. We’ll help you plan, implement, and achieve your financial goals so you can focus on what matters most.

Imagine living a life of financial freedom – free from the daily grind. With our help, that dream is within reach. Contact us today to get started

Click below to learn more about our services!

Business Services

There are a Lot of Different Moving Parts When it Comes to Business. But Why are they so Important? Let’s Take a Closer Look.

Personal & Business Credit

Helping People and Companies Build Credit, Save Money, and Sleep Better at Night.

Business & Commercial Funding

We Know how to Get Your Business the MONEY it Needs for Growth.

Web Accessibility Solutions

We Make Your Website Work for Everyone, Even Those with Disabilities

Design Services

With our Unique Brand of Magic, We Can Help You Truly Change the World with Your Message or Product.

Coaching Services

We Don’t Believe in One-Size-Fits-all Solutions. We’ll Tailor a Plan that’s Perfect for You.

Build Generational Wealth

We Focus on Building Wealth all While Getting You Out of Debt.

Ian, the owner of this company is very helpful and knowledgeable. The whole plan is discussed and laid out to you; he will walk you through out the entire process, will follow up with you as needed, will remind you of the things that you need to accomplish in your end and will answer all your questions and concerns. I will recommend his services 100%. 👍🏽👍🏽

Lyndon Timbang Review of Ninja Credit Consultants

Lyndon Timbang

I recently had a zoom conference with a businessman who owns, operates and excels Ninja Credit Consultants. Utilizing entrepreneurial skills and leadership, He went straight to developing a plan to advance and automate my own ventures in the marketing/business(s).. Ian is very knowledgeable, speaks intelligently and slowly enough to clearly understand and follow along. Let me conclude with the highest recommendation for a pleasant and productive mutual conference. Looking forward to SUCCESS!

Ray Steen Review of Ninja Credit Consultants

Ray Steen

My score was below par when I made a call. Now I’m headed way above and beyond what I thought wasn’t possible. Highly recommend this company.

Kevin Herzog Review of Ninja Credit Consultants

Kevin Herzog


Frequently Asked Questions

What is The Difference Between Charge Cards and Credit Cards?

There’s a big difference between charge cards and credit cards: Credit cards let you carry a balance, while charge cards require you to pay in full. That means if you’re trying to manage your finances, it’s important to know which type of card you’re using. Here’s a quick rundown of the key differences between charge cards and credit cards:

– Charge cards must be paid in full each month, while credit cards allow you to carry a balance.
– Charge cards usually have higher interest rates than credit cards.
– Charge cards often have annual fees, while most credit card don’t have annual fees.

Is Ninja Credit Consultants Associated With CreditNinja?

No, Ninja Credit Consultants is not associated with CreditNinja. We offer credit counseling and debt management services to help our clients get back on track financially. CreditNinja is a personal loan company that offers loans to people with bad to good credit scores “WE ARE NOT THE SAME”

What is The Ideal Utilization Rate if I Want To Purchase a Property?

After years of analysis, we’ve found that the ideal utilization rate to get the best mortgage rates is 8%. At this level, you can get access to the best rates while still having some room to grow.

Keep in mind that this is just a general guideline and there are always exceptions to the rule. For example, if you can prove that you’re capable of handling a higher mortgage rate (due to excellent credit score or down payment), then you may be able to get away with a higher interest rate. Or if the current market is especially competitive, then you may be able to find a lender offering lower than 8%. But in most cases, 8% will be your ideal interest rate

Why Do I Lose Credit Score When I Get a New Credit Card?

There are a few reasons why your credit score may drop when you get a new credit card. One reason is that new credit can be a red flag for lenders. They may see you as a higher risk borrower if you don’t have much of a credit history. Another reason is that getting a new credit card usually means going through a hard credit inquiry. This can cost you some points on your score. However, the impact of these factors is usually temporary and your score should rebound after a few months of responsible credit use.

Which is Better To Boost My Credit Score Unsecured or Secured Credit?

There’s no easy answer when it comes to boosting your credit score. However, we find that the secured option is often the best route to take. With a secured credit card or loan, you’ll have to put down a deposit that serves as collateral. This means that if you default on the loan, the lender can seize your assets to cover the cost of the loan. While this may seem like a risk, it actually works in your favor by giving lenders confidence that you’ll repay the loan. And, in turn, this can help you boost your credit score.

Why Should I Not Close Old Credit Card Accounts?

Closing old credit card accounts will shorten the average age of your credit history and negatively affect you by lowering your credit score.

Your credit score is determined, in part, by the length of your credit history – so closing old accounts will reduce the average age of your credit history. Additionally, when you close an account, it affects your “credit utilization ratio” (the percentage of available credit you’re using). A high utilization ratio can lower your score, so it’s best to keep all accounts open unless you have a good reason to close them.

Why is Automation Critical to Todays Marketplace?

Automation has quickly become a critical piece of the modern marketplace. By automating tasks that would traditionally be done manually, businesses can reduce time, effort and cost – all while reducing the likelihood of manual errors. This allows businesses to focus on their core competencies and create a more efficient and profitable operation.

Who Made This Website and Did The Copywriting?

We made this website and we can teach you how to do it too in just 3 days. It’s that simple. We have the skills and knowledge to help you create a website that looks great and functions perfectly. Contact us today to get started!

What Makes You Different From Other Credit Companies?

We offer everything from formation to credit and aim to empower real people. For too long, the credit system has been rigged against the everyday person. We believe that everyone should have access to quality credit products, and our team is dedicated to making sure that happens.

We understand the challenges of building or rebuilding your credit, which is why we offer a range of products and services to help you get back on your feet. We also believe in being transparent and upfront with our customers, so you always know what’s going on with your account. We’re here to help you reach your financial goals, and we’re not afraid to think outside the box to make that happen. Contact us today to learn more about how we can help

Why Should I Not Pay Charge Off Accounts Without Negotiating Terms 1st?

A paid charge-off is still considered negative and will not help your credit. In fact, it can actually hurt your credit score because it shows that you were unable to pay your debt as agreed.

The best way to handle a charge-off account is to negotiate terms with the creditor. This way, you can get the account marked as “paid” on your credit report or negotiate for “deletion”, which will help improve your credit score.

What is The Main Difference Between a LLC and S Corp?

The biggest difference between a LLC and an S Corp is that the income from a LLC flows through to its members, while S Corps calculate deductions separately. This means that LLC members may be subject to personal income tax on their share of the LLC’s profits, while S Corp shareholders only pay taxes on their salaries and bonuses. Another key difference is that S Corps are subject to fewer corporate taxes than LLCs.

Why is it Always Best To Dispute Errors on My Credit By Certified Mail?

It is always best to dispute errors on your credit by certified mail for a few reasons. First, it creates a paper trail that can be used as evidence if needed. Second, it shows that you are serious about correcting the error and are taking steps to ensure that it is corrected. Finally, it gives you a way to track the progress of your dispute and make sure that it is being handled in a timely manner.

Is it Really Possible To Negotiate Interest Rates on My Current Credit Cards?

Yes, it is definitely possible to negotiate interest rates on your current credit cards. In fact, you may be surprised at how much room there is for negotiation, especially if you have a good credit score.

The key to negotiating better interest rates is to have some leverage – that is, to have other offers from competing lenders in hand. If the credit card company knows that you’re considering transferring your balance to another provider, they may be more willing to work with you on a lower rate.

So don’t be afraid to negotiate! You may be pleasantly surprised at how much money you can save by simply asking for a better deal.

Is it Difficult Setting Up My Company and Maintaining Compliance?

Setting up a company can be difficult, but it doesn’t have to be. Here at Start a Business, we take the hassle out of incorporation and forming an LLC. We’ll do all the heavy lifting for you, so you can focus on what’s important – running your business.

Our online tools make it easy to get started, and our team of experts is always available to help you with any questions or concerns you may have. Plus, we offer some of the lowest prices in the industry, so you can rest assured that you’re getting the best deal possible.

So what are you waiting for? Message Us today and let us help you get your business off the ground!

My Credit Score is Over 700 Why Do I Keep Getting Denied For Credit?

Your credit score is only one part of the equation; banks are also interested in your debt-to-income ratio, employment history, and other financial information.

It’s important to remember that a high credit score doesn’t mean you’re automatically approved for a loan. Banks want borrowers who are low-risk and can afford to repay their loans on time. If you’ve been denied for credit in the past, it may be because your profile doesn’t meet the bank’s lending criteria.

There are a few things you can do to improve your chances of being approved for a loan: make sure you have a good employment history, keep your debt levels low, and try to build up your savings.

Do You Offer Any Partnership Programs or Mentorship Programs?

We absolutely love connecting with new people and helping them grow their businesses! If you have something to offer and think we could be a good fit, please don’t hesitate to message us today. We’re always looking for new partnerships and mentorships! 🙂

Why is There a Frequently Asked Question Section?

If you’re reading this, it’s probably because you’re looking for answers. And that’s why we have a Frequently Asked Questions section on our website – so people can find the answers they’re looking for.

But we want to do more than just provide answers. We want to change the world and empower everyone with the knowledge they need to make positive changes in their lives. So if you have a question that isn’t answered here, please reach out to us and let us know. We’ll be happy to help. Thank you for being part of our community!

What are The Commission Rates For Partners and Affiliates?

Our affiliates partners make 20% commissions on sales generated through their referrals. We have a wide range of products and services that our affiliates can promote, so there is something for everyone! Plus, our dedicated affiliate team is here to help you every step of the way. If you are interested in becoming an affiliate partner, please visit our website for more information. Thanks for considering us!

Get in touch

Ian M Lacovara - Founder - CEO - Ninja Credit Consultants LLC

Contact Us  Ninja Credit Consultants

300 Richmond Rd. Unit A Susanville, CA 96130.

We know that the path to success is not always clear and we want you on your best foot. Our team can provide tools for any type of problem, from credit solutions all way through mindset change!

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