Our Proven 6-Step Process

1
πŸ“‹
Free Consultation
We review your credit reports and create a custom strategy for your situation.
2
πŸ”
Deep Analysis
Our experts identify all inaccurate, outdated, and questionable items across all three bureaus.
3
πŸ“
Professional Disputes
We craft and send professional dispute letters using proven legal strategies.
4
πŸ“ž
Creditor Negotiations
Direct negotiations with creditors and collection agencies for deletions and settlements.
5
Ongoing Monitoring
πŸ“Š
Monthly progress reports and continuous monitoring until your goals are achieved.
6
🎯
Credit Building
Personalized strategies to build and maintain excellent credit for the future.
πŸ”₯ BLACK FRIDAY: Save $500/Month on Done-For-You Services | Ends Monday 11:59 PM! ⏰

Let's Find Your Perfect Plan

Answer 3 quick questions to get a personalized recommendation

πŸ”₯ BLACK FRIDAY: $500/Month Savings!

Done-For-You Credit Repair

I handle everything personally - You just relax and watch your score improve

AVERAGE RESULTS
+45-75 Point Score Increase
4-6 negative items removed

Basic Plan

Ideal starter credit repair

$797/mo
$597
/month
3-Month Minimum = $1,791
πŸ’° ROI BREAKDOWN:
β€’ Typical rate savings: 1.5% APR = $270+/month interest saved on $200K loans
β€’ Break-even: 7 months
β€’ 5-year lifetime value: $16,200+
  • βœ… 48-Page Credit Report Analysis
  • βœ… 3-5 Strategic Dispute Letters/Month
  • βœ… Email Support & Monthly Updates
  • βœ… Credit Score Monitoring
  • βœ… Debt Validation Strategies

Best for: First-time repair, light negative items

⭐ MOST POPULAR
AVERAGE RESULTS
+80-120 Point Score Increase
8-15 negative items removed β€’ Collections settled

Professional Plan

The gold standard in credit repair

$1,497/mo
$997
/month
6-Month Minimum = $5,982
πŸ’Ž ROI BREAKDOWN:
β€’ Typical rate savings: 2.5-3.0% APR = $400-500/month on $200K loans
β€’ Mortgage qualification unlock: Average $300K+ buying power
β€’ Break-even: 15 months β€’ 5-year lifetime value: $28,400+
  • βœ… Complete Credit Restoration Package
  • βœ… 8-12 Advanced Dispute Letters/Month
  • βœ… Direct Creditor Negotiations
  • βœ… Goodwill Letter Campaigns
  • βœ… Phone & Email Priority Support
  • βœ… Weekly Progress Updates & Strategy Sessions
  • βœ… Debt Consolidation Planning
⚠️ Only 7 qualified clients remaining this month
πŸ‘‘ Executive VIP
White-Glove Personal Service
EXECUTIVE RESULTS
+120-180 Point Score Increase
15+ negative items removed β€’ All delinquencies resolved

VIP Premium Plan

Personal account management by me personally

$2,497/mo
$1,497
/month
12-Month Minimum = $17,964
πŸ’° EXECUTIVE ROI BREAKDOWN:
β€’ Typical rate savings: 3.5-4.0% APR = $700-900+/month on $250K+ loans
β€’ Business credit qualification: $500K-$2M+ funding access
β€’ Premium mortgage products available: Jumbo loans, investment properties
β€’ Break-even: 20 months β€’ 5-year lifetime value: $45,000+
  • βœ… Dedicated Personal Account Manager (Me)
  • βœ… Unlimited Dispute Letters & Creditor Calls
  • βœ… Direct Phone Line Access (24/7 emergency support)
  • βœ… Priority Processing on All Items
  • βœ… Business & Corporate Credit Setup
  • βœ… Funding Assistance & Lender Introductions
  • βœ… Mortgage/Investment Property Readiness Prep
  • βœ… Quarterly Strategy Reviews & Planning
  • βœ… Lifetime Support & Relationship Management

Exclusively for: Business owners, executives, high-net-worth individuals

πŸ›‘οΈ

100% Money-Back Guarantee

If we don't remove at least 3 negative items or improve your score by 50+ points within 90 days, we'll refund your money completely. No questions asked.

Why Trust Arturo

πŸ“š

15+ Years Experience

Certified Credit Counselor with deep expertise in dispute strategies, creditor negotiations, and credit building.

πŸ‘₯

2,500+ Clients Helped

Average client score improvement: 105 points. Average items removed: 8-12 per client.

πŸ†

95% Success Rate

Clients who complete their program see measurable results. Most see improvement within 60 days.

πŸ’Ό

Licensed Professional

Texas Credit Counseling Certification, FCRA & FDCPA Compliance Expert, Industry Trusted.

πŸ“±

Direct Access

You don't work with a call center. You work directly with me for strategy and high-stakes negotiations.

🎯

Proven Results

Clients report loan approvals, lower interest rates, and better financial opportunities within months.

2,500+
Successful Clients
$50M+
Client Debt Removed
105 Avg
Score Point Increase
95%
Success Rate

Meet The Team Behind Your Success

πŸ‘¨β€πŸ’Ό

Arturo

Founder & Lead Credit Strategist

Arturo has spent the last 15+ years perfecting the science of credit repair and financial restoration. What started as helping friends and family grew into a full-service credit counseling practice.

His Expertise:

  • βœ“ Advanced dispute letter strategies (proven to remove 8-12 items per client)
  • βœ“ Direct creditor negotiations and settlements
  • βœ“ Business credit optimization ($500K-$2M+ funding access)
  • βœ“ Mortgage pre-qualification and home buying strategy
  • βœ“ FCRA & FDCPA compliance and legal defense

Track Record:

  • πŸ’Ό 2,500+ clients successfully coached to financial freedom
  • πŸ’° $50M+ in debt removed and disputes won
  • πŸ“ˆ Average client improvement: 105 credit score points
  • πŸ† 95% client success rate and 4.9/5 average rating
πŸŽ“

Certifications & Recognition

  • βœ“ Certified Credit Counselor (NFCC)
  • βœ“ Texas Credit Counseling License
  • βœ“ FCRA & FDCPA Compliance Expert
  • βœ“ Consumer Rights Advocate
  • βœ“ Featured in major financial publications
  • βœ“ 15+ years industry experience

The Expert Team Supporting You

πŸ‘©β€πŸ’Ό

Sarah Chen

Senior Dispute Specialist

12+ years removing negative items. Specializes in medical debt, charge-offs, and collections. Has helped 800+ clients achieve their credit goals.

Certified Credit Counselor
πŸ‘¨β€πŸ’Ό

Marcus Johnson

Creditor Negotiation Expert

Dedicated to negotiating settlements and pay-for-delete agreements. Works directly with creditors and collection agencies. Saved clients $15M+ in debt.

FDCPA Compliance Specialist
πŸ‘©β€πŸ’»

Jessica Martinez

Account Manager & Support

Your dedicated point of contact. Ensures you're informed every step of the way. Handles monthly updates, strategy reviews, and urgent client needs.

24/7 Support Available
πŸ“Š

Analytics Team

Data-Driven Results Tracking

Real-time monitoring of credit report changes, dispute progress, and strategic opportunities. Monthly performance reports with actionable insights.

Weekly Progress Updates

Why Clients Choose Arturo Over DIY or Other Services

βœ“ Personal Touch
Direct access to Arturo for strategy & decisions
βœ“ Proven Methods
15 years of refined dispute & negotiation tactics
βœ“ Real Results
95% success rate, 105pt avg improvement
βœ“ Expert Team
Certified professionals handling every aspect
βœ“ Fast Turnaround
See results within 60 days on average
βœ“ Lifetime Support
Ongoing relationship after program completion

What Our Clients Say

⭐⭐⭐⭐⭐

"Arturo removed 12 negative items in 4 months and got me loan-ready. Professional, responsive, and delivered exactly what he promised."

BEFORE
520
AFTER
680
+160 Points
Michael R.
Austin, TX β€’ Operations Manager
⭐⭐⭐⭐⭐

"I own 3 businesses and don't have time for this. Arturo handled everything while I focused on scaling. Results speak for themselves."

BEFORE
580
AFTER
745
+165 Points
Sarah T.
Dallas, TX β€’ Business Owner
⭐⭐⭐⭐⭐

"Got denied for a home loan 3 months before. Arturo got me approved for $450K at 5.2% APR. Life-changing service!"

BEFORE
610
AFTER
725
+115 Points
James K.
Houston, TX β€’ First-Time Homebuyer

Real Results From Real Clients

These are detailed case studies showing exactly how we helped clients go from struggling financially to achieving their goals.

Michael - Business Owner

BASIC β†’ PRO
STARTING SCORE
520
FINAL SCORE
680
+160 Points in 4 Months

The Situation: Michael owned a growing e-commerce business but his personal credit had tanked due to a failed business venture. Lenders wouldn't touch himβ€”even for business loans.

What We Did:

  • βœ“ Removed 12 negative items (charge-offs, late payments)
  • βœ“ Settled 3 collections for 50% less
  • βœ“ Optimized credit utilization strategy
  • βœ“ Built authorized user tradeline strategy

The Result: Michael got approved for $250K business line of credit at 8.5% APR (saved $15K+/year in interest). His business expanded to 3 new markets.

Sarah - Real Estate Investor

PROFESSIONAL
STARTING SCORE
580
FINAL SCORE
745
+165 Points in 6 Months

The Situation: Sarah is a busy real estate investor managing 7 properties. Her credit had declined due to aggressive lending, but she needed access to capital for new deals.

What We Did:

  • βœ“ Removed 10 delinquencies and late payments
  • βœ“ Negotiated pay-for-delete agreements with 2 creditors
  • βœ“ Strategic business credit building
  • βœ“ Investment property financing preparation

The Result: Sarah qualified for $1.5M investment property portfolio loan at 5.8% APR (commercial rates). Closed on 2 new properties worth $2.3M.

James - First-Time Homebuyer

BASIC PLAN
STARTING SCORE
610
FINAL SCORE
725
+115 Points in 3 Months

The Situation: James was denied for a mortgage 3 months before he contacted us. He had 2 medical collections and one charge-off dragging his score down. His dream home was at risk.

What We Did:

  • βœ“ Removed both medical collections
  • βœ“ Challenged charge-off with success
  • βœ“ Optimized credit utilization overnight
  • βœ“ Mortgage pre-qualification coaching

The Result: James got approved for $450K mortgage at 5.2% APR. Closed on his $475K first home. Monthly mortgage was $250 cheaper than he expected due to better rate.

Your Success Story Could Be Next

These results aren't exceptionalβ€”they're standard for our clients. Every month, we help entrepreneurs, business owners, and families unlock their financial potential.

πŸ“Š Get Your Credit Reports

Get your current credit reports before our consultation. This helps us provide better service and faster results.

πŸ”

IdentityIQ

Complete credit monitoring with alerts and identity protection

$1 for 7 Days
πŸ‘† Click "Shared View" during signup
Start $1 Trial
πŸ“ˆ

SmartCredit

Score building features plus comprehensive credit monitoring

Score Building Tools
Get Smart Credit

πŸ’‘ Professional Tip: Having your credit reports ready before our consultation allows us to create a more targeted strategy and start working on your credit immediately.

Done-For-You Credit Services

Educational purposes only. No guarantees of results. Compliant with FCRA/CROA/Texas Finance Code/TILA. Registered CSO if applicable.

Credit Repair Services

Professional credit dispute management and restoration.

Basic Credit Repair

PayPal: $399 | Crypto: $264

Comprehensive Repair

PayPal: $699 | Crypto: $465

Credit Building Packages

Strategic credit enhancement and business credit setup.

Credit Ascend Builder

PayPal: $399 | Crypto: $264

Fortress Builder

PayPal: $699 | Crypto: $465

Elevation Pro

PayPal: $999 | Crypto: $666

Mastery Vault

PayPal: $1299 | Crypto: $867

Funding Solutions

Hybrid funding with flat fee + percentage of loan.

Funding Launch

PayPal: $498 flat + 1% | Crypto: $333 flat + 1%

Capital Surge

PayPal: $696 flat + 1.5% | Crypto: $465 flat + 1.5%

Prosperity Bridge

PayPal: $894 flat + 2% | Crypto: $597 flat + 2%

Wealth Accelerator

PayPal: $1197 flat + 2% | Crypto: $798 flat + 2%

Client Intake Form

Provide any specific credit issues or goals.

For Business Owners

Specialized credit building for entrepreneurs and business entities.

  • Business credit line establishment
  • EIN and entity formation assistance
  • Tradeline building strategies
  • Funding for business expansion