Credit repair · Credit building · Credit coaching
Proudly serving Texas.
A decade of experience clearing inaccurate items and rebuilding the file underneath — with a written plan and a fixed price before any work starts.
“Sergio and his team have been a real blessing for me! I needed credit help like SOS bad. He and his team are diligent and so helpful.”
Free consultation
No report needed to start, and no pressure to sign.
Written plan, fixed price
Scope and cost in writing before anyone sends a letter.
Three-day cancellation right
Signed the agreement and changed your mind? You can cancel.
Your file is yours
You may dispute inaccurate information yourself, free of charge.
What we do
Three ways we fix a file.
Every engagement starts the same way: we read all three reports, show you exactly what’s wrong, and quote a fixed plan before anyone sends a letter.
One-time reset
Credit Repair
A line-by-line audit of all three bureau reports, then disputes filed on everything that shouldn’t be there.
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Ongoing program
Credit Building
A rebuilt profile — the right tradelines, the right utilization, the right accounts aging in your favor.
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Month to month
Credit Coaching
A personal analyst on call — reviews, letters, lender prep and straight answers when a decision is big.
Learn moreWhat’s included
Every dispute. Every round.
The same standard goes with every file, whether it’s a single collection or a full rebuild after a repossession.
All three bureau reports pulled and read line by line
Every inaccurate item identified — not just the big ones
Dispute letters written and filed on your behalf
Creditor and collections correspondence handled for you
A written plan you can read without a finance degree
30-day follow-up on every round, until it’s resolved
Credit-building guidance between disputes
One analyst who knows your file, start to finish
Where are you today
Pick the closest score.
It tells us what we’re working with, and roughly how much of the file needs attention before we even pull a report.
How it works
Three steps, no surprises.
No hourly guessing, no surprise line items. A written plan and a fixed price before work starts.
Tell us what’s there
A free consultation — no report needed to start. We ask what you’re seeing and what you’re trying to get approved for.
We read the reports
Your analyst pulls all three bureaus, marks every inaccuracy, and shows you the plan in plain language before you commit.
We dispute, then report
Letters go out, bureaus respond, and you hear from us each round — with what changed and what happens next.
Service area
Texas based. Meetings by appointment.
Our office is in Texas — but the work happens by phone, secure upload and mail, so nothing waits on a drive across the metroplex.
Home base
Texas
Every case managed remotely, start to finish. In-person meetings by appointment only.
Texas cities & countiesWhy clients stay
Held to one standard.
Every round is documented, every letter accounted for, and you hear from a person who knows your file — not a portal.
10+
Years of credit repair
1000+
Clients served
5★
Average client rating
TX
Based in Texas
5.0· 28 reviews
Stephanie Chavez
Sergio and his team have been a real blessing for me! I needed credit help like SOS bad. He and his team are diligent and so helpful.
Questions
The things people ask first.
Ready when you are
Let’s look at your reports.
One short form, an honest read on your situation, and a written plan you can actually follow.