About Micah Smith
Micah Smith is the CEO and Founder of Micah Abigail LLC and one of the nation’s leading FICO trainers and credit restoration specialists. With 13 years of front-line experience she has built one of the most trusted credit restoration practices in the Northeast — serving clients across New York, Connecticut, New Jersey, and Florida.
Micah has been featured multiple times on Fox Business as a national credit authority speaking on topics ranging from the BNPL credit crisis to the VantageScore 4.0 mortgage scoring shift. She has trained and presented to hundreds of mortgage professionals, real estate agents, loan officers, and brokers — delivering tactical results-driven education that translates directly to closed loans.
She is the founder of the Becoming Bankable program — a business credit framework designed to help entrepreneurs build a fundable business credit profile from the ground up.
Micah does not just teach credit. She lives it. She has spent 13 years in the trenches reviewing hundreds of credit reports every week, fighting for consumers and equipping mortgage professionals with the tools to serve their clients better.
Who This Is For
Mortgage brokers and loan officers
TPO and wholesale lending partners
Real estate teams and brokerages
Financial coaches and advisors
Corporate financial wellness programs
Speaking Topics:
01. The Credit Foundation
What every borrower needs to know before they apply — and what your team needs to know to have that conversation with confidence.
03. Becoming Bankable
How business owners and self-employed borrowers can build a business credit profile that actually gets them funded — and why most are invisible to lenders right now.
02. Fix the Foundation
The most common credit killers we see across hundreds of reports every week — and exactly how to address them in the right order.
04. The VantageScore 4.0 Shift
What the Fannie Mae and Freddie Mac Selling Guide update means for your pipeline — and how to prepare your clients before it costs them the deal.
What Your Team Will Walk Away With:
- How to identify exactly what is holding a client’s score down and what to do about it
- The difference between a credit setback and a small blunder and how to communicate that to clients.
- How utilization payment history and derogatory marks are weighted and in what order to address them.
- What lenders are actually looking at beyond the score.
- How to properly prep a declined file for credit restoration and get it back to you close-ready.
Presentation Format:
Most presentations are hosted at your office, your brokerage, or your next team meeting. No large venue required. Micah will show up for a room of 10 just as confidently as a room of 500.
Presentations are complimentary for mortgage teams, brokerages, and lending partners.
For events requiring significant travel a modest travel fee may apply. Reach out and we will work something out.
Frequently Asked Questions
No. Whether you have 5 people in a conference room or 500 in a ballroom Micah will deliver.
Presentations are complimentary for mortgage and lending partners. A modest travel fee may apply for events requiring significant travel.
Flexible based on your format. Reach out and we will build around your agenda.
Click the button below to schedule a call with Micah directly.
Not ready yet? Follow along at @fitcreditdoctor