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The Leadership  Team

Monika Nagy, MS, CCA is a nationally recognized credit scoring expert and one of the co-founders of A&C Consultants, a credit score optimization firm dedicated to helping Dentists, Doctors, and other medical professionals to optimize their credit scores for equipment financing to grow their practices.


She is one of only 130 Certified Credit Analysts in the United States, FICO PRO certified (Fair Isaac Corporation). She conducted extensive research regarding credit scoring models and is the author of the credit book entitled "Give Yourself the Credit You Deserve", insightful treaties of credit scoring models and methods of credit score optimization.


Monika holds a Masters degree and is a former professor at The University of Central Florida. She is a well sought after speaker and has been interviewed by MSN.com, AOL.com and several other TV stations and also appeared on over 50 Radio talk shows as a guest speaker concerning the topic of credit score optimization.


Reney DuBose, Esq. is an experienced licensed credit attorney and one of the co-founders of A&C Consultants, a company dedicated to helping Doctors, Dentists, and other medical professionals to optimize their credit scores for equipment financing to grow their practices. Reney is also co-developer of a credit information portal designed to map out the credit reporting industry and provide articles, resources, videos, and tutorials to help individuals to better understand the credit laws and credit reporting process. He and his wife Marti (a financial literacy advocate) are the co-authors of the book entitled "A Guide to Legal Credit Improvement – What the Big 3 Credit Bureaus Don't Want You to Know"; written to help inform consumers of how to exercise their rights under the credit laws to legally improve their credit.


Martha (Marti) DuBose, MS, is a financial literacy advocate and one of the co-founders of A&C Consultants. Marti and her husband Reney, an experienced credit attorney, are also co-authors of several books, articles, and credit industry reports. Together, they deliver very thought provoking credit education seminars, providing insight into the credit reporting system, roles of the credit industry players, and the impact of credit scores in the market place. Their innovative and intriguing "tag team" approach has been well received by radio audiences, community organizations, business groups and churches nationwide.

Us in the Media
Testimonials
D. Arena DDS, Naples ,Florida

"Ms. Monika Nagy was referred to me by the management of a Fortune 500 c... More

E. Wensing DDS, Windsor, Vermont

"When I wanted to open my practice and buy my new home, I discovered that... More

Robert J.LaCarubba DDS, Amherst, New York

"I really must thank you for straightening me out! Not only did you bring... More

Heidi W. Isenhart, Esq., Attorney-at-Law

"Monika Nagy provides expert guidance through the intricate maze of perso... More

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