Built on two decades of finance. Driven by a mission to help.
Michael Gaffney brings mortgage banking expertise and compliance-level precision to credit repair — so clients get real strategy, not guesswork.
Michael Gaffney
Founder & Lead Consultant
Meet Michael Gaffney
Michael Gaffney spent nearly two decades working inside the mortgage banking and financial services industry — in underwriting, compliance, and loan origination. He saw the credit system from the inside: how lenders evaluate risk, what actually moves a score, and why so many well-intentioned people get stuck in cycles they don't fully understand.
What he noticed most was the gap. Not a lack of effort on the part of clients — but a lack of honest, clear guidance. Most people had never been shown how the system actually works. They'd been sold quick fixes, given generic advice, or left to figure it out alone.
MTG Credit Solutions was built to close that gap. Michael works directly with each client — no handoffs, no junior staff — bringing the same analytical rigor he applied in underwriting to every credit profile he reviews. The goal isn't just a better score. It's a client who understands their credit, trusts the process, and has the tools to maintain it long after the engagement ends.
— Michael Gaffney, Founder & Lead Consultant
Background & Expertise
Mortgage Banking
Nearly two decades in loan origination, underwriting, and compliance
Credit Analysis
Deep expertise in 3-bureau credit report review and dispute strategy
Regulatory Compliance
Trained in FCRA, FDCPA, and consumer credit protection frameworks
Client-Centered Approach
Every client works directly with Michael — no junior staff or templates
What MTG Credit Solutions Stands For
Transparency first
No hidden fees, no vague timelines, no inflated promises. Clients always know exactly where they stand and what comes next.
Underwriting-grade strategy
Credit plans built on how lenders actually think — not generic advice recycled from the internet.
Education over dependency
The goal is to empower clients to understand and manage their own credit — not to keep them coming back indefinitely.
Compliance-level precision
Every dispute, every letter, every recommendation is grounded in consumer protection law and professional standards.
Ready to take the first step?
Start with a free 15-minute consultation. No pressure, no pitch — just an honest conversation about where you are and where you want to be.