About | Operating since 2010
Two people who'd rather explain it than sell it.
Ninja Credit Consultants is a financial education and financial-foundation company run by Ian Lacovara and Jerrica Coyle. We work remotely with consumers and business owners across the United States.
Who you'll be dealing with
There are two of us, and you'll talk to both
No account managers, no intake team, nobody working a script you can hear them reading. Small on purpose, and we plan to stay that way.
Headshot. 4:3 crop works best here.
800 x 600Ian Lacovara | Founder
- Prepared tax returns professionally for over twenty years, most recently for the 2025 filing year.
- Thirty years working for himself, across several businesses.
- Handles the credit, business formation, business credit, and funding readiness work.
- Tests methods before advising anyone to use them.
- More about Ian ->
Headshot. 4:3 crop works best here.
800 x 600Jerrica Coyle | Managing Partner
- Bachelor's degree in Business Administration, graduated with general honors, focused on organizational behavior.
- Licensed insurance producer, California license 4514899, who chose not to sell on it.
- Runs setups, onboarding, content and writing, and client service.
- Became managing partner in 2025, after years doing the work.
- More about Jerrica ->
Since you're wondering
Yes, we're going to explain the name
It isn't about throwing stars. A ninja's actual job was studying an environment, adapting to it, and finding the efficient path through. Not force. Not magic. Reconnaissance, then precision.
That's a reasonable description of this work. Credit reporting, lending, and business filing are systems with published rules and awkward edges. Most people lose to them by applying effort in the wrong place, which is exhausting and doesn't work. The alternative is learning the terrain and moving deliberately.
Brute force
- Apply to twelve lenders and hope.
- Dispute everything and see what falls off.
- Open eight accounts because a video said so.
- Work harder on the part that isn't the problem.
Reading the terrain
- Find out what underwriting sees before it sees it.
- Dispute two things that are documented and wrong.
- Open the smallest number of accounts that reports.
- Fix the thing that's actually blocking the other twelve.
Same destination. One of those takes a year and costs money you didn't need to spend. We adapt to the environment and improve the process, which sounds like a motivational poster until you watch how much of this industry does the opposite.
Why the site gives away the method
The playbook isn't the product
There's a version of this business that works by keeping the mechanics obscure. Hint that there's a technique, gate the explanation behind a consultation, convert on the gap between what the customer knows and what they suspect they're missing. It's effective and we're not interested in it.
The reasoning is practical rather than noble. Gatekeeping information was a business model back when information was hard to find. These days anyone can ask an AI how to form an LLC and get a decent answer. Guarding that moat now means standing in a dry ditch looking determined.
What's left to sell is judgment, execution, and someone being accountable when it matters. That's what we actually do, and it survives the shift.
So a share of readers will solve their own problem using what's published here and never become clients. That's the system working. The ones who do hire us arrive knowing what they're buying, which makes for better work on both sides.
The verifiable details
Company facts
- Legal entity
- Ninja Credit Consultants LLC
- Operating since
- 2010, originally formed in Florida
- Relocated
- California in 2019. Currently an active California LLC.
- Principals
- Ian Lacovara, Founder. Jerrica Coyle, Managing Partner.
- Main office
- Hayfork, Trinity County, California
- Visitors
- None, ever. We're in the mountains of Trinity County and nobody has accidentally dropped by. Everything is handled remotely, which suits the work and the road.
- Service area
- Remote, all 50 states, for credit, business, and financial education services. Insurance is education and referral only - we don't sell it.
Boundaries
What we are, in regulatory terms
Being specific here protects you more than it protects us.
- Not a law firm, and no legal advice of any kind
- None. Not on a call, not in an engagement, not informally. No attorney-client relationship is created by working with us.
- Not a tax preparer, any more
- Ian's twenty years of tax preparation is background, not a current service. NCC does not prepare or file returns and does not represent anyone before the IRS.
- Not a lender or broker of record
- We don't approve, fund, price, or underwrite anything.
- Not a credit bureau
- We can't change what a bureau holds. Only the furnisher and the bureau can.
- Not an investment advisor
- No securities, portfolio, or asset allocation advice.
- Not a credit counseling agency or debt settlement company
- We don't negotiate debts on your behalf.
Where your question belongs with one of those professionals, we say so rather than improvise. Full disclosures ->
How we work
Four steps, in this order
Assess
Where you actually are. Your goals, your current position, how the business is structured, what paperwork exists. No assumptions borrowed from someone else's situation.
Prioritize
Almost everyone arrives with twelve things. Some matter now, some matter later, one or two never mattered. Sorting that out is most of the work.
Build
You work the plan. Where the task is administrative and we're permitted to handle it, we do. Where only you can do it, we make sure you know how.
Strengthen
Review what changed, reset priorities, and lock in the habits that hold after the engagement ends.
More
Read further
Want to know whether we're a fit before anything else?
Reasonable. Describe the situation briefly and we'll tell you honestly whether it's something we help with, something you can handle yourself, or something that needs a different professional entirely.