YMA Wealth Management Group

"YMA Financial was key into helping me bring Make Away Auto Center from a dream into reality. "Credit" was the nucleus.. Joseph Wallace, the CEO of YMA Wealth Management Group strategically gave me a step by step plan to not only start up, but to successfully run and operate a lucrative business. It wasn't easy and there were many times that I wanted to just go back to being normal.. Joseph is not only a genius when it comes to helping keep you on track when day to day things pop up and goes wrong, but give insight on solutions have definitely help me throughout this journey. He's also an inspiration and a true example that if you put in the hard work now you will reap the benefits. Make Away Auto Center is now going on its second year of business and have helped over 300 people purchase vehicles. Make Away Auto Center is known not only locally but in other states as well... Our slogan "We will always Make-A-Way for you to own a vehicle."

"YMA Financial has been a key resource to helping navigate financial challenges in my business. Joseph Wallace has been a wealth of knowledge and someone I can go to for sound advice. Their staff is always exhibiting the highest customer service. I would recommend this company to anyone that looking to get credit restore, business plan, and funding."

"I started out as a family child care home re-opening after a 3 year divorce that left me at a "starting over" point. I moved into my house and 9 months later the family childcare home was operating. I spoke with Joseph Wallace after my son referred him to me. 1 year later I moved from my family childcare home 1,400 square feet to a daycare center 8060 square feet. Joseph Walked me through the process of building personal and business credit. We had many late nights and long phone calls. He wanted to make sure I understood what was happening and the steps I needed to take in order for me to move forward and prosper. AGAPE' Love Child Care and Development opened March 2, 2020 and we are thriving. Joseph is still on board and he is still supporting me and I believe he will support me until he retires in 4 years! LOL! I am so glad I met him and he is assisting me with this journey! Thank you Joseph Wallace."

"This is an amazing company. I’m ready to make my business dreams a reality. If you are patient and follow instructions it will pay off. Thanks! "

"Wonderful people they put your best interests first and give excellent guidance."

"I have been working with Joseph for several months now – and I am so grateful to have him and his team in my life. I am self-employed and by myself – and an artist without a good “head” for the financial end of running a business. I had been struggling financially and just trying to survive for the last number of years, and not doing it very well. And then Joseph appeared in my life, and it has all changed. Joseph and his team immediately stepped up to resolve the personal credit, and they have been so kind and patient with me when at times I was still feeling overwhelmed. That included getting the word, bankruptcy removed from my credit report early and developing a plan to pay off the personal credit card debt more easily, taking a huge amount of stress off of my shoulders. At the same time, Joseph and his assistant are helping me to create the financial foundation for my business to grow and prosper, as in setting up an LLC for me, etc., and will now be helping me to develop the funding to create a good business credit as well. I don’t know how I got so lucky – “the gods were watching over me” - to now have Joseph as my financial adviser, who I know I can totally trust in how he is guiding me. If you are finding yourself in a similar situation, I would highly recommend reaching out to Joseph and YMA Financial team. They are absolutely amazing and awesome!!!!!!"

"In December 2018 I was working in a title loan company in Duncan SC. I had been In the financial field for over 18 years or more. There always come a time in our lives where a change has to happen. As I went into deep thought with God and my husband I knew that a child care center was what I needed to be doing. My husband and I had a meeting with Joseph (YMA Financial) and we made sure all financial numbers match and the wisdom he gave in helping us secure the loans for our building was a key part in our success. His wisdom and knowledge was a great part of this journey. My husband is in Real Estate and has been in that field for over 15 years. He has had an eye for awesome investments. My husband company Journeys Real Estate Investment found the building. We closed on the building in September 2019. The repairs and building projects began. After three months of hard work and long days and nights getting the building up to code, I was licensed on January 22,2020. Now today I have grown from 4 after schoolers to 25 kids and 11 after schoolers, given us a total of 36 kids in 2 months opening with a full license. This is a dream come true. My motto is " Ms. Kesha Love the kids". There is nothing else I could think of doing at this time. I am so grateful."

"YMA Financial and Masters Credit Consultants has gotten me on my way to financial freedom. I started with Joe Wallace back in 2019. We made initial contact, and went over the plan to get me where I am today. When Joe and I first talked I had a couple of dings on my credit. His company Masters Credit Consultants team went to work immediately. During the time that they were working on my credit Joe stayed in touch and helped with the planning of the business. Not only did he help with planning, but he also put me in touch with some great people who were able to offer advice, and help avoid making mistakes. We went on to get funded through YMA Financial, and recently started a trucking company! Joe kept in contact afterwards to make sure we were on the right track and pushed us towards our goals! My overall experience with Masters Credit Consultants and YMA Financial was unremarkable. I recommend anyone with an idea and ambition to achieve their goals, to give these guys a go!"

I'm a single mother of 4 kids and I have been struggling to get back on my own two feet following my divorce. I always relied on the credit strength of my ex-husband, so making the full transition to being my own, financially independent woman has been quite an adjustment. That being said, my credit was bad ya'll! I had a car note that I was upside down payments on, and because of my poor credit I was stuck paying 17.99% interest on a 10 year old vehicle. I needed to make a change ASAP, so I reached out to Master's Credit March 2020 and within a month and a half my credit had risen over 60 points with each credit bureaus. It was the bump I needed to finally refinance my car. Now, not only will I be paying my car off 5 months earlier, my interest rate is 3.75% (lowest they could offer on a refi) and my car note payment is almost $100 cheaper. To top it off, I am FINALLY in a credit range to qualify for a home for me and my kids. This is the highest my credit score has ever been in my life and I know it will only go up from here. I owe a HUGE thanks to the Masters Credit Consultant family and I can't wait to get to the 700+ Club!

My credit score has increased drastically within one month between the three bureaus. My score increase by an average of 65 points within each bureaus. This crew is very helpful and Rebecca is amazing she is like a Mom of Credit Recovery. She gives it to you direct! I just can’t wait to see what the remainder of this journey will look like.

Let me 1st start off by saying , I am throughly impressed with the professionalism, in depth communication with staff and Mr . Wallace who happens to be my Prince Hall Fratenal brother . Master credit consultants are strategic, concise and very organized , I am blown away with the fast results . Master Credit Consultants I humbly thank you all , Bro Hiram thank you good brother . A round of applause.

This team is fantastic. Communication through the process of disputing items on my credit report has been very good! My credit score has increased dramatically through the process! I can not recommend them enough!

It is great working with Joe and the team . Immediately, we knew we was in great hands, due to his profound and updated knowledge on credit repair .We walked in with a feeling of despair and walked out with tremendous hope . Within a month we had accomplished our credit goals . 𝑻𝒉𝒆𝒚 𝒅𝒐 𝒊𝒕 𝒕𝒉𝒆 𝒓𝒊𝒈𝒉𝒕 𝒘𝒂𝒚 ! Some companies don’t , and you will see negative things pop back up and your score will bounce , 𝘽𝙐𝙏 𝙬𝙞𝙩𝙝 𝙩𝙝𝙞𝙨 𝙘𝙤𝙢𝙥𝙖𝙣𝙮 , if it is off It will never show again , and we have a solid climbing credit score. I would Recommend the team to anybody , especially if you are wanting to start a business or make big purchases like a house ... 𝗧𝗵𝗲𝘆 𝗺𝗮𝗸𝗲 𝗱𝗿𝗲𝗮𝗺𝘀 𝗰𝗼𝗺𝗲 𝘁𝗿𝘂𝗲 𝗮𝗻𝗱 𝗜 𝗮𝗺 𝗴𝗹𝗮𝗱 𝘄𝗲 𝗳𝗼𝘂𝗻𝗱 𝘁𝗵𝗲𝗺 . #𝘆𝗺𝗮𝗻𝗮𝘁𝗶𝗼𝗻

The entire staff is Awesome.

I have been a client for a month and I see great improvement. All my scores went up. I am pleased to be a customer.

I came to Masters Credit wanting to start my business, and in need of someone to guide my in the right direction. Joseph Wallace worked with me patiently told me exactly what I needed to build my business. He also gave me advise and guidance on the best way to become successful with my business. I recommend Master Credit to anyone who needs to build their personal credit or business. Masters Credit is a perfect way to start your business

A little over a year ago I was having trouble finding a place that I could move into that would accept my credit. It just wasn’t happening. My brother told me about Joseph and how he helped with his credit so, I decided to give it a shot. My credit at the time was in the 500s/600s along with having collections accounts and not enough credit history. I worked with Joseph for several months and before I knew it I was sitting in an apartment leasing office being told that I was approved for my first apartment! The one thing I felt was holding me back I had finally gotten under control. My score ended up getting to the 700s. They were able to get multiple items removed from my credit report. Masters Credit Consultants is a great team to work with! They do things in a timely manner, they’re nice people, and they teach you things that are important to know about credit. Anyone should book with them, they won’t disappoint!

I think you all are exceptional!! My credit score has increased within a month of ya'll starting repairing it.

From the first day that i enrolled into this program “Tammy” has been so instrumental in helping me reach a better score and credit worthiness. I have went to several places and paid out good amounts to have this done and up to this point I only feel that this investment into this company is well worth it. I would recommend Masters Credit Consultant to everyone I know. The professionalism here is absolutely outstanding. So i can say happily that I’m on my way to freedom!!! Thank you!

I have been working with Joseph for several months now – and I am so grateful to have him and his team in my life. I am self-employed and by myself – and an artist without a good “head” for the financial end of running a business. I had been struggling financially and just trying to survive for the last number of years, and not doing it very well. I made a bad investment choice 10 years ago, and found myself having to go through a bankruptcy. (I wish Joseph had been in my life then – I would have avoided having to do that). And that has followed me for nearly 10 years on my credit report, making it difficult for me to get start-up loans and such to develop the business. Because of that, I had to look to personal credit cards with high interest rates, all of which caused me to find myself in a vicious cycle that I couldn’t find a way out of. I was exhausted, stressed and in total overwhelm in trying to stay on top of everything, and never seeming to have time to do what I enjoy and am good at – the creative part of the business and being able to be out to meet people and find clients – a real “catch-22”. And then Joseph appeared in my life, and it has all changed. He and his team, Amanda and Tammy, immediately stepped up to resolve the personal credit, and they have been so kind and patient with me when at times I was still feeling overwhelmed. That included getting the word, bankruptcy removed from my credit report early and developing a plan to pay off the personal credit card debt more easily, taking a huge amount of stress off of my shoulders. At the same time, Joseph and his assistant are helping me to create the financial foundation for my business to grow and prosper, as in setting up an LLC for me, etc., and will now be helping me to develop the funding to create a good business credit as well. I don’t know how I got so lucky – “the gods were watching over me” - to now have Joseph as my financial adviser, who I know I can totally trust in how he is guiding me. He is open and transparent on each step about what we are doing, allowing me to make the decisions that I am comfortable with. I am no longer alone and feel a sense of hope that I have not felt for a long time. I really can’t find the words to express my gratitude to him for believing and trusting in me. If you are finding yourself in a similar situation, I would highly recommend reaching out to Joseph and YMA Management. They are absolutely amazing and awesome!!!!!!

Professional, friendly, and very knowledgeable staff who produce RESULTS RESULTS RESULTS if you follow their easy instructions! I would recommend Joseph Wallace and his team to ANYONE a thousand times over!!! I had no idea that first phone call would change my whole life!

I started working with Master’s Credit back in January of this year and they work very diligently to help improve your credit score which helps improve your life! They keep you informed every step of the way on what is going on and what you need to do on your end as well!!!! Anytime I email them regarding anything I always receive a response back immediately which shows me that they care!!! Joseph, Rebecca and Tammy has been so helpful in keeping me up to date on everything so a big THANK YOU to all of them!!!! So for anyone needing credit repair that will work with you helping to increase your score these are the people for you!!!

I owe a huge Thank you to, Master's Credit Consultants!!! I was skeptical at first but the diligence and integrity of this team has given me all the hope and motivation to begin a new way of living. My credit scores are on the rise and that is a great accomplishment, considering where I started from; and in so little time. They have answered every question and coached me without judgement. I'm so glad I siezed the moment to sign up for the credit repair. It was a moment that will enhance my future for even better days to come. Joseph and Rebecca Wallace, Tammy J.Rice....Thank You So Much, and many Blessings to you all!!! Also a big thanks to Dwight Rice, who gladly pointed me in their direction!

I owe a huge Thank you to, Master's Credit Consultants!!! I was skeptical at first but the diligence and integrity of this team has given me all the hope and motivation to begin a new way of living. My credit scores are on the rise and that is a great accomplishment, considering where I started from; and in so little time. They have answered every question and coached me without judgement. I'm so glad I siezed the moment to sign up for the credit repair. It was a moment that will enhance my future for even better days to come. Joseph and Rebecca Wallace, Tammy J.Rice....Thank You So Much, and many Blessings to you all!!! Also a big thanks to Dwight Rice, who gladly pointed me in their direction!

I would like to thank Master Credit VERY MUCH for the work they did for me and my spouse getting our scores up. We was able to get a Infiniti JX35 and we LOVE it. The children love the DVD. It was more than we expected. They did a GREAT job. If you need help with your credit call Master Credit. Ask for Joe & Rebecca.

I have had a tremendous experience With Masters Credit Consultants . They have done everything that I expected and more . They are very personable and professional in their dealings with you and your credit concerns. I have had a real good time interacting with Joseph and Tammy . They are very thorough and on time when it comes to letting you know what is going on with every detail with your credit concerns !!! I would recommend Masters Credit Consultants for anyone who wants to have there credit scores elevated, thanks to Joseph and Tammy I can accomplish my goals and I am very excited about my future!!! - Marvin Smith. Sat,8/25/2018

Masters Credit is a god-send. My wife and I are in the market for a SUV. My daughter suggested that we properly prepare for this purchase and told us to call Masters Credit. I’m so glad we did! In the first thirty days my wife has had a 50-point increase in her credit scores and I have had a 60 t0 70-point increase with more than one credit bureau. Joe mapped out a plan and Rebecca is working diligently for us to achieve our goal. I’m excited about the future. – James Lewers

I have had a wonderful experience with Masters Credit Consultants. They have not only put me in the position to purchase my first vehicle but I am now a new home owner as well! Thanks to Masters Credit Consultants I was also able to qualify for an amazing interest rate. All of my scores are now well above 700 and I am able to utilize my credit as I need to. None of this would have been possible without Masters Credit Consultants being there every step of the way. They have the best one on one customer service experience!! I can not thank them enough for all they have done. I would recommend them to anyone!

Since day 1, Masters Credit Consultants have done nothing but fulfill their promises. Although I have completed my payments to them, they continue to work with me on anything I need as they promised they would and I am very appreciative of that and to them.

Masters Credit has been a great experience so far and I am EXCITED to see where myself and my husbands credit will go in the next months to come! If you are nervous or scared give Joseph and Rebecca a call they are awesome people and will see you through!

My experience with Masters Credit has been nothing less than amazing!!! They are experts at getting you quick and positive results on your credit scores! I have seen and continue to see positive increases on my credit scores and this has impacted my personal and business life in a such a great way! I would like to take the time out to say thank you Masters Credit!!!! I highly recommend them to anyone looking to put themselves in a better position getting a car, house, business funding, etc...

Where do I begin? Masters Credit has been with me every step up the way with restoring my credit. They have become like family. I can contact them, it feels like 24/7 to answer any questions or concerns. If you are looking for fast, friendly, and a caring company, Masters Credit will WOW you too.

I have only been working with these professional humble individuals for 30 days and I have been getting increased and have 12 items deleted already. they really care about you they go above and beyond and do not make you feel like a number. great job.. Thanks Joe and Rebecca you guys are rockstars

My experience has been awesome!!! I’ve received amazing results in less than 30 days. I would highly recommend anyone to use their service. So excited to continue this journey with them Fantastic Customer Service and Professionalism .

Masters Credit has proven to be more than the typical team of resources whom only shed light on credit related issues and/or ways to work around them! They committed to take me on as a client and to as invested to my credit rehabilitation as I was! The individuals assigned to me have been both blessings and lessons! They kept me on a specific set of instructions (100% legit no cutting corners) as to which I dedicated to myself to following to the best of my conscious and financial ability. I am by no means a wealthy individual but I comply, compromise, and sometimes sacrifice! Trusting and following their guidance just over the period of two months I have had an increase of 100 points. NO EXAGGERATION!! I am so fortunate to have had them help me this far, so I want to encourage any set of eyes that hopefully read this...Trust in Masters Credit and their team of professionals and the results will be beneficial!

I encourage you if you're looking for a company that can help you with your credit and help you change your life! Master's Credit is definitely the company to go to. They will work with you and walk with you every step of the way towards your goals!! Don't just try it, do it!!!!

I recently chose MASTERS CREDIT to repair my credit. I had a fraud situation to come up and I instantly thought MASTERS CREDIT can tell me what to do. Even though it may have been outside of their services what I needed done, MASTERS CREDIT stepped in and handled the situation to the fullest.. So professional!! I got a reimbursement from the fraud in no time.. I am so appreciative and HAPPY.. I am confident my credit score is going straight to the top!! Thanks again Masters Credit.

I have been working with Masters Credit Consultants for a couple of months and my credit has improved and we are now in the process of buying a home. This is a one stop shop and the process has been smooth. I love working with this company!

At the beginning I was in doubt, but then two months after I started in the program I was no longer because I started to see the results on my credit score. I would definitely recommend Masters Credit Consultants. The worst that can happen is to finish with a score of 700+. Joe and his staff guide you from start to finish, all you have to do is follow his advice...

I have experienced total professionalism sound advice and someone that always answers the call promptly. I look forward to the end results and would definitely recommend their service to any and everyone in need.