Honest credit repair in Miami.
Fearless about financial success. We look at your 3 credit reports with you. We dispute what is wrong. We keep you posted. You pay nothing up front.
Credit help in English and Spanish
Collections, charge-offs, late payments, bankruptcy, ITIN or a low score? We explain it in your language.
We read your reports
We go over Equifax, Experian and TransUnion with you, in plain words.
We fight the errors
Wrong late payments. Accounts that aren't yours. The same debt twice. We dispute them.
We help you grow
Simple habits that build good credit over time.
Why us
- We're from Miami. See us in person at 9867 SW 40th St (by appointment), or call or WhatsApp us 7 days a week.
- Nothing up front. You pay after the work is done.
- No fake promises. No "we'll erase everything."
- Your information stays private.
- Smart tools track your disputes. A real person checks every case.
Free review. No pressure.
Tell us what's going on. We'll tell you the truth, even if you can fix it yourself for free.
Get your free credit reviewHow it works
Free talk
Tell us your goal: a home, a car, a business loan.
Review and plan
We check your 3 reports. You get a written plan.
Disputes and updates
We send the disputes. We tell you what happened after each round.
Straight talk: what we do and don't do
We do
- Free review
- Dispute items that are wrong, missing info or can't be proven
- Give you a plan and contract in writing first
- Charge only after the work is done
- Tell you what you can do free on your own
We never
- Promise a score or an approval
- Promise to erase true information
- Promise results by a date
- Sell CPNs or a "new credit identity" (it's illegal)
- Give legal advice. We are not lawyers.
Cases we work on
Collections on your credit report
A collection can hurt your score for years. Some are true. Some are not: the wrong balance, a debt that isn't…
Charge-offs and late payments
A charge-off means the lender wrote off the debt as a loss. You may still owe it, and it can still show up. But…
Rebuilding credit after bankruptcy
Bankruptcy can be reported for up to 10 years (CFPB). What often goes wrong is how the discharged accounts are…
Building credit from zero
No history isn't bad credit. It just means lenders can't see you yet. These are legal, proven ways to…
Credit with an ITIN
Have an ITIN instead of a Social Security number? You can still build credit in the US. Some banks and credit…
Identity theft
If you see accounts or inquiries you don't recognize, act fast. Several steps are free and you can do them…