The credit you were told you'd never have.
Repair your past, build your future. We dispute the collections, charge-offs, and inquiries dragging your score down, and we do the heavy lifting for you.
- Verified specialist
- Disputes with all 3 bureaus
- Written agreement before we start
We dispute directly with Equifax, TransUnion & Experian. Verified credit specialist. Serving clients nationwide
What we dispute on your report.
We challenge inaccurate, outdated, or unverifiable items with Equifax, TransUnion, and Experian. Every item below links to exactly how we fight it.
Collections
Past-due debts sold to a third-party collector and reported as a separate negative account.
Charge-offs
An account a creditor has written off as a loss after months of non-payment, still owed and still reported.
Hard inquiries
Hard pulls from applying for credit that post to your report and can shave points each time.
Late payments
Payments reported 30, 60, 90 or more days past due.
Repossessions
A vehicle or asset reclaimed after default, reported as a serious delinquency.
Evictions
A record of a prior eviction that can surface in tenant and credit screening.
Child support
Past-due child-support obligations reported to the bureaus as a public-record style negative.
We dispute items that are inaccurate, outdated, or unverifiable. We never promise to remove accurate information.
Here is exactly how it works.
Analyze
We pull and review all three bureau reports together and map every negative item.
Enroll
You pick the plan that matches your report and we build your custom dispute strategy.
Dispute & update
We dispute inaccurate, outdated, or unverifiable items and keep you updated as results come in.
Same coverage. Pick your speed.
Both programs cover every negative item on your report, with no item limits and no extra charge for a heavier file. It is a flat price, not a monthly subscription, so when it is paid you are done. You approve the program in writing before any work starts.
Fast Track
90 days
or $200 bi-weekly $200 starting fee
Best for: A deadline you are working toward
- Every negative item on your report
- No item limits, no per-item fees
- Work completed in 90 days
- Balance paid within the 90 days
6-Month Program
6 months
or $85 bi-weekly $150 starting fee
Best for: No hard deadline and smaller payments
- Every negative item on your report
- No item limits, no per-item fees
- Work paced over 6 months
- Bi-weekly or monthly payments
Results vary by individual. Pricing reflects service fees only and does not guarantee specific score outcomes.
Real clients. Real second chances.
After working with another company and being completely scammed, I'm so thankful for you helping me get this RV.
Straight from their dashboards
Results not typical; individual results vary.
Beginner
to Boss
Credit Repair Virtual Class
From beginner to boss, learn to dispute, know the laws, and build your own credit-repair business.
- Dispute methods
- The laws
- Software training
- Business setup
Self-made, faith-forward, and in your corner.
Monica Rodriguez is a CEO, a mom, and a self-taught credit specialist who built this practice from the ground up. She learned every part of the system, worked it for herself and her family, and then decided nobody else should have to figure it out alone.
No gatekeeping. No judgment. No guessing. Just someone who has been where you are, knows exactly what to do, and handles every step for you.
Founder & CEO · Rio Grande Valley, TX · Serving clients nationwide
See exactly what's on your report. Free.
I pull all three bureaus, map every negative item, and walk you through what can be disputed. One call. No paperwork on your end. No commitment required.
- All three bureaus reviewed together
- Every negative item mapped and explained
- Zero pressure, zero obligation
Free, no obligation
Get your free credit analysis
Submitting this form is not a contract. Results not typical; individual results vary.
Questions, answered.
Yes, credit repair is legal. Under the Fair Credit Reporting Act you have the right to dispute any item on your report that is inaccurate, outdated, or unverifiable, and we handle that process for you.
If you've been burned by another credit repair company before, you are not alone, and it is why we work the way we do. You never pay for work before it is done, you get a written agreement before we start, and you can cancel within three business days at no charge. We only dispute items that are inaccurate, outdated, or unverifiable, and we are honest about what we can and cannot do.
Most clients see their first round of changes within 30 to 45 days, but timelines vary by file. Results are not typical and individual results vary.
No, you do not have to pay everything up front. Each plan has a starting fee plus a bi-weekly payment, so you can get started without paying the full amount at once.
No legitimate company can guarantee a specific score or that a specific item will be removed. We dispute inaccurate, outdated, or unverifiable items and report honestly.
Yes, we work with clients well beyond Texas. We're based in the Rio Grande Valley and help people nationwide.