FIG Restoration

FIG Restoration Registered & Bonded in Texas, Board Certified Credit Consultant, FICO Score Certified, Credit Consultants Association Member, FCRA Certified

Within my 20 years of experience, I have found it's important that every client understand that I CARE and I'm here to serve YOU! Your credit problems are unique to your own personal situation & is approached with understanding, humility, confidentiality & integrity. FIG (Faith-In-God) Restoration

The Mindset That Keeps Families Stuck in RecoveryRecovery mode is a survival posture. It teaches you to manage what’s di...
05/05/2026

The Mindset That Keeps Families Stuck in Recovery

Recovery mode is a survival posture. It teaches you to manage what’s directly in front of you — pay this bill, handle that emergency, get through this week. That mindset is what kept you afloat when things were hard. But it doesn’t automatically shift when the hardship ends.

That life is stressful and painful…Read More ⬇️

Paying off debt doesn’t automatically move your score the way people expect. That's because your credit isn’t just about...
04/27/2026

Paying off debt doesn’t automatically move your score the way people expect. That's because your credit isn’t just about what you owe… it’s about how your profile is put together.

Two people can take the same step and get different results. That’s where frustration comes in. If your income has recovered but your credit hasn’t caught up, there’s a reason. Lets chat!

FIG Restoration is blessed to work with incredible referral partners across real estate and lending — and some partnersh...
04/22/2026

FIG Restoration is blessed to work with incredible referral partners across real estate and lending — and some partnerships go deeper than business.

Mike at The B Spot Real Estate has sent us client after client who needed their credit rebuilt. We sent our clients to him when they were ready to buy.

That is what a real partnership looks like — and when a partner takes the time to leave a review like this, you don't take that lightly.

If you're a lender or real estate professional who wants to send your clients somewhere they'll actually be taken care of — let's connect.
Structure changes everything.

Recovery is not the destination. It never was.The families we serve at FIG Restoration don't come to us just to fix a nu...
04/14/2026

Recovery is not the destination. It never was.

The families we serve at FIG Restoration don't come to us just to fix a number. They come because they are tired of being financially bound and ready to build something that lasts.

This is the Year of Established Families and this article is the first real look inside what that means.

Read the full article — link in the comments.

Can collections be removed without paying?Yes — but not always.Some collections can be removed if they are:• Inaccurate•...
04/06/2026

Can collections be removed without paying?
Yes — but not always.

Some collections can be removed if they are:
• Inaccurate
• Incomplete
• Not properly verified

But every credit file is different.
The mistake most people make is assuming paying a collection is the only option. In some cases, paying it can update the account without improving your score the way you expect.
This is why strategy matters.

At FIG Restoration, we evaluate each account individually and determine the best approach based on your overall credit profile.

If your credit is holding you back, start with a Credit Strategy Session!

March was a powerful month for our Fig Restoration families. 🙌Three clients. Three different goals. Three success storie...
04/01/2026

March was a powerful month for our Fig Restoration families. 🙌

Three clients. Three different goals. Three success stories.

A school teacher fighting through Student Loan late payment setbacks to become a homeowner — now in the 700 Club and still moving forward.

A business owner with a strategic plan — home first, business funding second. Now in the 700 Club with the right plan working in her favor.

A visionary who simply decided she wanted to just have good credit. Nearly 200 points gained as stated in her Google Review below. Whenever her moment comes she will be positioned to move.

This is what structured credit restoration looks like. Not a temporary patch or an overnight promise. A real plan built aggressively and strategically around real goals — because every household is different and every plan should be too.

If your credit is holding your household back it is time for a real plan.

Start with a Credit Strategy Session link in comments.

03/31/2026

I’ve seen people do everything they thought was right — paying collections, closing accounts, trying to “fix it”… and their score doesn’t move. Because credit isn’t just about fixing problems.

It’s about structure.

If your credit is holding you back, it’s not random — there’s a reason.

If you’re ready for a real plan, start with a Credit Strategy Session.

03/30/2026

So important! Still on the mission after all these years. The initiative is now…The Year of Established Families! Contact to find out more!

Eight years in this industry will teach you things no credential ever could.Not every season of stillness is a setback. ...
03/30/2026

Eight years in this industry will teach you things no credential ever could.

Not every season of stillness is a setback. Some of them are setups.
I wrote about mine. And what came next changed everything for FIG Restoration and the families we serve.
🫱🏾Full article in first comment.

Who is Moncy Hawkins? 🌟🌟I am the Founder of FIG Restoration, a credit consulting firm specializing in personal credit re...
12/31/2025

Who is Moncy Hawkins? 🌟🌟

I am the Founder of FIG Restoration, a credit consulting firm specializing in personal credit readiness for families and entrepreneurs.

For more than eight years, I have helped individuals and households move forward when credit is limiting their next steps. My work is not transactional. I take a diagnostic approach to credit, identifying patterns, timing issues, and behavioral factors that often impact approvals, opportunities, and long-term financial stability.

With over 20 years of experience in accounting, finance, and client service, I focus on preparing people to be truly ready for what they are pursuing—whether that is homeownership, business funding, certifications, or growth opportunities. I do not offer quick fixes. I provide guidance rooted in structure, accountability, and informed decision-making.

FIG Restoration is independently owned and recognized as a trusted resource for credit education, strategic analysis, and financial readiness. Our work supports families and professionals who are earning income but need a clear, intentional plan to move forward with confidence.

Areas of Focus
• Personal credit readiness and analysis
• Credit education and strategy sessions
• Household-based credit restoration
• Financial literacy training for organizations and teams

Speaking & Education
Black Enterprise, Colin Kaepernick-Know Your Rights, Houston Community College, Houston Area Urban League, WBEA–Women’s Business Center, SCORE Houston, and Podcasts, media outlets such as Majic 102.1, Amazing 102.5, and VoyageHouston.

Community & Institutional Collaboration
I partner with organizations, lenders, and community initiatives to strengthen financial foundations, reduce premature applications, and improve long-term outcomes.

What sets FIG Restoration apart is not just what we do, but how we think. We diagnose before we prescribe, prioritize readiness over urgency, and lead with integrity and consistency.

I welcome connections with professionals, families, and organizations committed to preparation, education, and sustainable financial progress.

Address

Houston, TX
77084

Opening Hours

Monday 10am - 6pm
Tuesday 10am - 6pm
Wednesday 10am - 6pm
Thursday 10am - 6pm
Friday 10am - 6pm

Telephone

+17134253972

Website

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