About Us

Denise A. Cestone

Founder and Former TransUnion Executive

Denise A. Cestone, Founder of Increase Your Credit Score, LLC, is a nationally recognized expert on Credit Repair, Credit Scoring and Debt Reduction. In addition, her expertise includes FDCPA, FCRA, Collections, Account Receivable Management and Collection Agency Management. Denise serves as a subject matter expert for investors and serves as an expert consultant for those involved in credit litigation.

She is also a speaker, Author, Credit Repair Coach and Mentor. Denise works exclusively with Consumers, Mortgage and Real Estate Professionals focusing on increasing credit scores.

Known for her Bottom Line RESULTS and ability to Increase Credit Scores FAST, it’s no surprise she has attained the following credentials.


  • Former Executive at TransUnion, American Express, Citibank & NCO financial Systems, Inc.
  • M.B.A.
  • Undergraduate Degree in Finance & Economics
  • Expertise in Credit Repair, Credit, Collections, Budgeting, Cash Flow Management and Spending Addictions.
  • Guest speaker appearing on cable programs such as Money Talks
  • Radio Guest on Voice America
  • Regularly featured in publications include Credit and Collections Risk Magazine, Success Magazine and Working Women Magazine
  • One of the founding members of the ACA International Credit Task Force. This is a worldwide trade organization that consists of credit and collection professionals who assist in educating over one million credit grantors about new and pending legislation that affects the lending industry.

When Denise is not helping to change the world one credit report at a time, she can be found boating, playing golf and pickleball, lifting weights, dancing and spending time with her husband Vincent and outstanding Daughter.

Vincent R. Cestone


Vincent R. Cestone joined Increase Your Credit Score, LLC as COO in 2013. It’s Vincents’ 30 years of expertise in business operations and management that makes him the perfect complement to the organization. As a third generation, family business owner and down to earth, no judgement straight forward communication style, clients are very comfortable working thru the credit repair process without any fear or embarrassment.

Vincent currently manages customer acquisition and operations to ensure each customer receives first quality service, along with an Increased Credit Score that allows them to qualify for the loan they want … FAST

He is a speaker, Credit Repair and Cash Flow Management Expert. Vincent works exclusively with Consumers, Mortgage Professionals and Real Estate Professionals focusing on increasing credit scores so people can get what they want…FAST.

Vincents’ experience speaks for itself and he has attained the following credentials.


  • Business Owner since 1988
  • Founded a subsidiary business to the well know family business
  • B.S. Civil Engineering
  • Expertise in credit repair, budgeting, estimating, financial analysis & planning, project management
  • Founded and a Trustee to a Non for Profit Family Foundation

When he’s not running the show at Increase Your Credit Score, he can be found boating, savoring italian cuisine, playing golf and pickleball while spending time with his wife Denise and their awesome daughter.