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J. R. Chick Gallagher
Founder, CEO
& Executive Director
BNI Delaware Valley Regions
Phone:  302-994-9593

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Joseph Tonzola

Financial Education Services


My BusinessWe help individuals raise their credit scores by challenging obsolete, erroneous, and inaccurate items on their credit reports. We can also help renters get up to 2 years of past rental payments to report to their credit report helping.

Ideal ReferralSomeone who is trying to purchase a car or home and looking to boost their credit score. Someone who may have been turned down for a car, home, credit cards, rental property, or any personal loans because of credit issues. Victims of identity theft. Property management, landlords and student housing coordinators.

Top ProductCredit Restoration

Top Problem SolvedHelping people go from not being able to purchase a home or a car because of their credit situation to making it a reality sometimes in less than 60 days.

My Ideal Referral PartnerBankruptcy/Divorce Attorney, Mortgage Agents/Brokers, Realtors, Car Dealerships Property Managers/Landlords Insurance Agents Student Housing Coordinators