Credit score 101

Cesar Marrufo is the owner of Elite Financial Credit, located at 34282 Yucaipa Blvd. in Yucaipa.

Elite Financial Credit is a local Yucaipa one-stop shop, thet offers credit education, along with establishing and repairing credit.

“We are a local Yucaipa organization, my wife Danielle and I have been in business since 2009, but all together I’ve been working in the industry for over 17 years. We’re a small company, who helps many people. We work very hard to make sure our clients loans are approved,” said Elite Financial Credit owner, Cesar Marrufo.

Elite Financial focuses on evaluating your current situation, auditing your accounts, disputing inaccurate and unverifiable information, while establishing new positive credit, and equipping clients with the education they need to raise and maintain their credit.

Elite Financial Credit works heavily within the real estate industry, repairing credit and helping Yucaipa and surrounding community residents purchase and refinance homes.

Maruffo’s business works with anything under a 700 credit score and on Aug. 3 he presented a basic credit 101 course during the Yucaipa Valley Chamber of Commerce breakfast.

“I shared how to establish and make credit better, the second half of the presentation was geared toward businesses, so I gave five steps on gaining business credit. I also discussed how to go about creating an organization and making it look professional in the industry,” continued Marrufo.

The breakfast lasted an hour and over 50 members of the Yucaipa community came out to support.

“We give free consultations and free action plans for anyone interested in raising their credit. On average, it only takes about six months to get your credit score up. Se habla espanol,” said Marrufo.

“Credit has become one of the pillars of our financial economy and improving your scores can save you thousands of dollars every year. Whether you are trying to purchase or refinance your home, finance a car, or simply lower your monthly bills, Elite Financial can help you,” concluded owners, Cesar and Danielle Marrufo.

For more information visit or call 570-9048.

Visit Elite Financial at the business incubator, located at 34282 Yucaipa Blvd. in Yucaipa.


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