Beloveds, I come to say that spell casting is explicitly forbidden in The Holy Word. Also remember that the love of money is the root of all evil. The enemy reeks havoc on the children of God by blinding one to Truth, Light, and TheWay. Credit scores and $$are important but not the most important. That is currency of the world. FAITHA is currency of The Kingdom.
This person A.M. may or may not be deceiving intentionally but do NOT be deceived. The enemy comes as an angel of light.