Lucrative Concepts, LLC

We assist with:
Full Credit Restoration
Home Purchase
Vehicle Purchase
Obtaining a Loan
Refinancing (Mortgage or Auto loan)
Opening a business
Divorce Recovery
Retirement Preparation
Credit Building
Credit Cards
Student Loans
Identity Theft
Collections & Chargeoffs
Late Payments
Employee Credit Assistance
Restoration After Bankruptcy
Credit Education
Medical Collections
Reading and Understanding a Credit Report
Business Credit


We also provide credit education seminars for schools, business and non-profit groups- free of charge!

Lucrative Concepts, LLC aims to achieve your financial and credit visions through quality processes and complete client satisfaction. This includes delivery of results, knowledge of procedures and complete customer care, We tailor an individual plan that fits your credit goals for the present and future while restoring mistakes from the past.

We begin with a 100% free no obligation consultation to discuss and determine your goals. This includes a complete credit review. You tell us your wants, needs and give us your credit goals for the future. We provide you with a complete analysis on our capabilities to help you achieve these goals.

We know that credit is about more than just restoring, so our programs are designed to educate you to take back control of your credit report. Credit can affect everything from home loans, auto loans, rental agreements, insurance, social status, and even employment. Developing a plan to improve your credit will also help save you money.

For each month enrolled, you are provided a complete update on the status of your account, and show you the work that has been completed. We then prepare for the next steps to reach your goals!

We are dedicated to serving YOU!



Our Management Staff:

Owner/President: Vanessa Yates

After moving from Washington State back to Farmington, NM, Vanessa Yates started her career in the financial and credit industry. After nine years, she has become one of the top credit analysts nationwide. She is a member of The National Association of Professional Women and has been awarded as a Top Female Manager.
She currently has over 1,000 endorsements for top of the line management and credit/financial services. Having previously served over 10,000 clients nationwide as the GM of a credit company, she has the experience and knowledge to ensure your credit and financial goals are reached.
Areas of expertise: Full Credit, Financial, Divorce and Bankruptcy Recovery, Company Management, Strategic Planning, Operations Management.


Sr. Financial Analyst, Erica Dobbs:
Erica Dobbs is experienced in complete financial analyzing and strategic credit planning. As the top analyst with the company, she ensures every client receives the maximum customer satisfaction.
Her customer service skills are unsurpassed and her knowledge has earned her a large clientele base in which she has assisted with their financial goal achievements. She assists with credit restoration, home buying, refinancing, student loans, medical collections, vehicle purchase and financial recovery.
Areas of expertise: Credit, Financial Strategy, Customer Service, Management, Leadership.