Credit Repair Services
Smart Credit Repair Solutions That Work
I help individuals fix credit issues by challenging inaccurate, outdated, or unverifiable items on their reports. With a results-driven approach and personalized support, I make credit repair simple and effective.
What I Do
Credit Repair That’s Clear, Honest, and Personal
I focus on helping people improve their credit by identifying and disputing negative items that shouldn’t be on their reports. Whether you're dealing with collections, charge-offs, or late payments, I’ll guide you through each step to work toward better credit.
I review all three credit bureaus to find negative, inaccurate, or unverifiable items that can be disputed.
2. Factual Dispute Letter Processing
I create custom dispute letters using factual errors and compliance issues, following all FCRA, FDCPA, and CROA standards.
I challenge collection and charge-off accounts based on reporting errors or legal violations to help get them removed.
4. Hard Inquiry Removal Process
I identify and dispute unauthorized or non-compliant hard inquiries that may be hurting your credit score.
Case Study
Credit Repair That’s Clear, Honest, and Personal
I focus on helping people improve their credit by identifying and disputing negative items that shouldn’t be on their reports. Whether you're dealing with collections, charge-offs, or late payments, I’ll guide you through each step to work toward better credit.
How I Work
Step-by-Step Credit Repair That Gets Results
From reviewing your credit reports to creating tailored dispute letters, I handle the process so you don’t have to stress. I use proven strategies aligned with credit laws to make sure your rights are protected and your credit is moving in the right direction.
01
Gather Your Credit Reports
We start by helping you obtain your most recent credit reports from all three major credit bureaus: Experian, Equifax, and TransUnion. This gives us a complete view of your credit profile.
02
Review and Analyze Your Reports
Our credit specialists carefully examine your reports to detect any inaccurate, outdated, or questionable items that may be affecting your score.
03
Prepare and Send Disputes
If we find errors or inconsistencies, we’ll begin drafting dispute letters tailored to your situation. You may be asked to provide supporting documents for more effective results.
04
Follow Up on Every Dispute
I stay on top of each dispute by regularly checking for updates and responding to the credit bureaus or data furnishers as needed to push for resolution.
05
Monitor Progress
As changes occur, I’ll monitor your reports and keep you updated. You’ll be able to track which negative items were removed or corrected over time.
06
Help You Build Positive Credit
Fixing your credit is just one part of the journey. I’ll also guide you with practical tips and tools to help you start building positive credit for long-term financial health.
What My Clients Say
Helping You Take Control
Helping You Take Control
of Your Credit
I’ve helped people remove negative accounts and get back on track with their credit goals. Read real stories from clients who started where you are—and took the first step toward better credit.
I am pleased to recommend Ricardo for his exemplary performance and commitment to delivering 5-star service. Ricardo consistently exceeds expectations with his thorough and timely reporting, ensuring our team and clients have clear, actionable insights at every stage. His attention to detail and dedication to quality control have contributed significantly to our team’s success and client satisfaction. Ricardo’s ability to communicate effectively, anticipate client needs, and handle complex tasks with ease sets him apart. His strong work ethic and proactive approach to problem-solving make him a valuable asset to any team. I highly recommend Ricardo for his professionalism, reliability, and exceptional contributions to our organization.
Shane C.
90 Credit Repair, Owner
Let's Talk Now.
Need help right away? Please call.
Fill out the quick form to request a Free Credit Repair Consultation. I’ll personally reach out to learn more about your credit situation and how I can help.
About Me
Committed to Helping You Repair Your Credit
I provide honest, personalized credit repair services tailored to your situation. I work directly with you to challenge inaccurate items using laws like the FCRA and FDCPA. Whether you’re rebuilding after financial hardship or trying to clean up your reports, I’m here to help you do it the right way.
FAQ
Frequently Asked Questions
I know credit repair can feel confusing at first. Here are answers to common questions to help you understand how I can support you:
Most clients begin seeing results within 30 to 90 days, depending on their credit history and the items being disputed.
If those items are inaccurate, outdated, or can’t be verified, yes—they can potentially be removed through proper disputes.
Yes! I offer a no-cost, no-obligation consultation to review your current credit situation and walk you through next steps.
Absolutely. I work with Equifax, Experian, and TransUnion to ensure all parts of your credit profile are addressed.
No, disputing inaccurate or unverifiable items won’t hurt your score. In fact, removing negative information can often lead to an improvement over time.
Yes, you can. But many people choose to work with me because they want expert help, time-saving support, and a clear strategy tailored to their situation. I handle the tough parts so you can focus on moving forward.
Ready to Fix Your Credit? Take the First Step Today
Don’t wait for your credit to improve on its own. Start the process now by filling out the form below—I’ll review your situation and get back to you with a personalized credit repair plan.
Let’s talk