Services

Credit restoration, analysis, education and readiness

Each service begins with understanding your actual credit profile. What we find determines what we recommend — never the other way around.

Personal Credit Restoration

Identifying potentially inaccurate, outdated or unverifiable information and helping you exercise your rights under applicable consumer protection laws.

Accurate, current and verifiable information generally cannot be removed simply because it is negative.

Three-bureau review of reported information
Identification of potential reporting inconsistencies
Documented dispute and validation process
Ongoing progress communication
Guidance on rebuilding after items are addressed

Credit Audit & Analysis

A professional three-bureau analysis of everything reporting on your credit profile, explained in plain English or Spanish.

The audit is the foundation of every strategy we recommend.

Negative accounts and their reporting status
Credit utilization across revolving accounts
Payment history patterns
Credit age and credit mix
Potential reporting inconsistencies between bureaus

Mortgage Credit Readiness

Educational guidance for consumers preparing to purchase a home, focused on how mortgage lenders evaluate credit profiles.

Arreglocredito.com is not a mortgage lender and does not guarantee mortgage approval.

Credit profile structure and mortgage credit scores
Utilization and payment history considerations
Collections, charge-offs, late payments and public records
Debt-to-income awareness
Coordination with your loan officer or realtor

Business Credit

Helping entrepreneurs understand how business credit is established, reported and strengthened separately from personal credit.

Educational guidance only. We do not originate or guarantee business financing.

Business entity and reporting fundamentals
How business credit files are built
Vendor and trade reporting concepts
Separating personal and business credit
Long-term business credit strategy education

Credit Education

Resources and one-on-one guidance covering credit reports, scoring models, utilization, payments, inquiries and financial habits.

Education is included in every engagement, not sold as an add-on.

How scoring models weigh different factors
How long different account types report
Inquiries and their real impact
Building credit responsibly after restoration
Bilingual materials and consultations
DBPR-approved continuing education (CE) courses for Florida realtors

Credit Audit Packages

Transparent onboarding pricing

These packages cover your credit audit, analysis and onboarding. Credit restoration fees are separate and results-based.

Basic

Credit Review Package

$199

Three-bureau credit review
Negative account identification
Written summary of findings
Bilingual consultation
Recommended next steps

Start with a consultation

Premium

Credit Strategy Package

$399

Everything in Basic
Full credit audit and analysis
Personalized restoration strategy
Utilization and rebuilding plan
Ongoing progress reviews
Credit education sessions

Start with a consultation

Elite

Credit Success Package

$799

Everything in Premium
Priority case handling
Mortgage readiness guidance
Business credit education module
Extended monitoring guidance
Direct professional coordination

Start with a consultation

Package prices are credit audit and onboarding fees. Credit restoration fees are billed separately and only after eligible negative accounts are successfully removed or corrected, as described in your service agreement. No monthly credit restoration fee. No upfront deletion fees.

Individual results vary. Past results do not guarantee future outcomes.

Per-account restoration pricing

Results-based restoration fees

You only pay restoration fees when eligible negative items are removed or corrected. Fees are charged per account, per credit bureau.

$55

Negative accounts

All negative account types: collections, charge-offs, repossessions, foreclosures, late payments and more.

per account / per bureau

$100

Public records

Bankruptcies, tax liens, civil judgments and other public-record entries.

per account / per bureau

$35

Inquiries

Challenging unauthorized or excessive hard credit inquiries.

per bureau

Free

Personal information

Correcting incorrect names, addresses, employment history or other identity data.

no charge

Restoration fees are only charged after a verified deletion or correction is confirmed on your credit report. No upfront deletion fees. No guarantees of specific outcomes.

Individual results vary. We do not promise a specific credit score increase or timeline. All work is performed in compliance with the CROA and FCRA.

Your personalized estimate

Find out in 30 seconds how much your credit could improve and what it could mean for your monthly payment.

Try the calculator

Let's understand what's holding your credit back.

A free, no-obligation consultation with a bilingual credit professional. No pressure, no guarantees, no confusing language.

Get Your Free Credit Consultation Call Now: 407-749-6549