Based in Los Angeles, California, USA
MANI HATAMICredit · Debt · Financial education

Start with a free consultation

(818) 200-0000

ENGLISH & PERSIAN
فارسی صحبت می‌کنیم

Free consultation

Personal guidance. Practical financial education.

Your credit.
Your future.
A clearer path.

Understand your credit, explore your debt options, and approach your next financial decision with confidence.

Based in Los Angeles. Credit & debt education in English and Persian.

  • Understand what’s affecting your credit score
  • Make sense of your credit report and debt
  • Start with a free, personal consultation
Let’s talk about your credit (818) 200-0000

Conversations in English & Persian · No specific outcome is guaranteed.

Mani Hatami, founder of Zenith Financial Group
MANI HATAMIFounder · Author · Educator
Zenith Financial Group
Credit scoresUnderstand your starting pointCredit improvementFocus on practical next stepsDebt optionsSee the bigger pictureA fresh startBuild your credit knowledge

A conversation can change your perspective

You are more
than a number.

Your financial story deserves to be understood.

A credit score can raise a lot of questions. Why did it change? Is a collection being reported correctly? Where do you begin when the balances feel overwhelming?

Mani Hatami brings a personal approach to these conversations. As the founder of Zenith Financial Group and an author and financial educator, he helps make credit and debt easier to understand—so you can ask better questions and consider your next step.

Meet Mani Hatami
Clear explanations

Credit information in everyday language.

A personal conversation

Your questions, circumstances, and goals.

Education that stays with you

Knowledge for the decisions ahead.

Credit & debt guidance

Where do you want to start?

Explore the topics that matter to your financial life. Then let’s talk about your situation.

01 / UNDERSTAND

Credit Scores

Look beyond the number. Learn how credit scoring works and why your scores may differ.

Explore credit scores
02 / MOVE FORWARD

Credit Improvement

Understand your report, review everyday credit habits, and discuss realistic priorities.

Consider your next steps
03 / REVIEW

Credit Reports & Errors

Know what to look for in your reports and how inaccurate or incomplete information can be disputed.

Understand your report
04 / COMPARE

Debt Options

Explore repayment approaches, important tradeoffs, and questions to ask before choosing a program.

Explore debt options
05 / BUILD

Building Credit

New to the U.S. credit system or starting again? Build your understanding before taking on new credit.

Start with the basics
06 / KEEP LEARNING

Financial Education

Books, articles, and community conversations that make everyday financial topics more approachable.

Find your next read

A thoughtful approach

Less confusion.
More direction.

You don’t need to have all the answers before you reach out. A useful conversation starts with where you are today.

Start your conversation
01

We listen.

Tell us about your concerns, your goals, and what you’ve tried so far.

02

We help you understand.

Discuss your credit questions and the information needed to consider your options.

03

You consider the next step.

Ask about scope, fees, eligibility, and possible outcomes before deciding on any service.

Mani Hatami holding his Persian credit education book
Personal guidance. A continuing conversation.

Meet your guide

Mani Hatami

Based in Los AngelesCalifornia, United States

Founder of Zenith Financial Group.
Author. Educator. A personal voice in credit.

Mani’s work brings together credit guidance and accessible financial education for the community. His writing helps readers navigate credit reports, scores, and financial life in the United States, with resources in English and Persian.

Credit for New Life book coverCredit for New LifeEnglish · Explore the book ↗Everything you need to know about credit book coverUnderstanding creditPersian · Explore the book ↗
Explore all books

Your next chapter starts with clarity.

Let’s talk about the credit and debt questions on your mind.

Call (818) 200-0000

The credit conversation

Knowledge to move forward.

Explore all articles

Let’s talk about your next step

Real questions.
A personal conversation.

Whether you’re concerned about a credit score, trying to understand your report, or weighing debt options, start here.

Give us a call(818) 200-0000
Send an emailmani@zenithfg.com
A conversation in your languageEnglish & Persian
فارسی صحبت می‌کنیم
Through Zenith Financial GroupPersonal credit & debt guidance
Los Angeles, California

Free consultation

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Please don’t include Social Security numbers, account numbers, credit reports, or other sensitive financial information. We’ll use your information to respond to your request. Privacy policy.

A little clarity, before we talk

Questions?
Start here.

Can you guarantee a specific credit score increase?

No. Credit profiles and scoring models differ. No specific score increase, timeline, removal, or lending outcome is guaranteed.

Can accurate negative information be removed?

Accurate negative information cannot be removed simply because it is unfavorable. Inaccurate or incomplete reporting can be disputed. Learn more about credit reports and errors.

What should I share in the consultation request?

Your contact information and a brief description of your question are enough to start. Please don’t send account numbers, credit reports, or Social Security numbers through this form.

Can I speak with the team in Persian?

Yes. Conversations are available in English and Persian. Let us know your preferred language when you reach out.

Call (818) 200-0000Free consultation ↗