Credit Repair · Restoration Credit LLC

Your credit can be restored.
Your future, reclaimed.

We challenge inaccurate items on your report, build a plan around your goals, and walk with you until your score reflects who you really are.

Start your free consultation Start Here — Client Sign-Up Book your free Zoom credit review See how it works

Virtual consultations via Zoom · In-person by requestor email us

1-on-1Personal guidance

3 bureausDisputes with all three

Zero surprisesClear, honest pricing

Sample Client Journey

540

Working on it…

Illustrative example. Every credit journey is different — yours starts with a free review.

Registered LLC Bilingual service — English & Español Transparent pricing Cancel anytime

Meet Betty

Betty Cruz

Founder of Restoration Credit

With over 18 years as an executive assistant supporting senior leaders, Betty is organized, detail-oriented, and committed to helping families understand and rebuild their credit in English and Spanish.

What we do

Restoration, step by careful step

Credit repair isn't magic — it's diligence. Here's where we put in the work for you.

Dispute inaccuracies

We review your reports from all three bureaus and challenge errors, outdated items, and unverifiable accounts on your behalf.

Rebuild your score

A personal action plan — utilization, payment strategy, and healthy new credit — designed around your real life and budget.

Monitor & protect

We keep watch as items update, track your progress month by month, and help you protect what you've rebuilt.

What we can help with

We dispute inaccurate, outdated, or unverifiable items to have them corrected or removed.
We can also request removal of old addresses, old phone numbers, and old or married last names from your credit reports.

What are inquiries?

Each time you apply for a credit card, loan, or bank account, the lender checks your credit and an inquiry (hard pull) is added to your report. Too many inquiries can lower your score and make lenders hesitant to approve new credit. We dispute inquiries you did not authorize or that are inaccurate.

How it works

Five steps to a fresh start

From sign-up to each new round, here's exactly how we work together.

Sign up

Tap Start Here, fill in your info, upload your documents, and sign.

Start Here

Free Zoom review

We review your credit reports together and make a plan.

Disputes sent by USPS Certified Mail

Every dispute letter is sent by USPS Certified Mail so there is proof of delivery.

Send us your mail

When you receive any letter from Equifax, Experian, or TransUnion, take a clear photo and send it to us on WhatsApp right away so we can continue your process.

Send on WhatsApp

Review results and next round

After each round, we review the results with you before the next one.

The 30 to 45-day cycle

How long does it take?

Credit restoration is not a shortcut, and it does not happen overnight. It is done legally, and it takes time — on purpose.

The first round, and every round after it, takes about 30 to 45 days. That window gives investigations time to finish and your updated reports time to show.

Creditors typically report to the credit bureaus about once a month. Under the Fair Credit Reporting Act (FCRA), a credit bureau generally must investigate a dispute within 30 days of receiving it, and may take up to 45 days in some cases. We plan each round for about 30 to 45 days so those investigations can be completed, monthly updates can post, and we can review what changed before starting the next round.

→ Days 1–15

Review & dispute

We review your credit reports carefully. Then we dispute items that are inaccurate, incomplete, unverifiable, or too old to be reported under the law.

→ Days 15–30

Investigations & follow-up

The bureaus investigate the disputes. We follow up, keep you informed, and stay on top of the process.

Days 30–45

Updated reports & next round

Updated reports come in. We review the results with you, keep teaching you how credit works, and help you build positive credit — then we plan the next 30 to 45-day round if one is needed.

Track your progress

Check your credit report once a month to follow your progress, see your score, and review items that were deleted. You can get a free report at AnnualCreditReport.com — free weekly reports are available there.

Done the legal way

Some promises to erase accurate items quickly are not legal. That is not how we work. We only dispute information that is inaccurate, incomplete, unverifiable, or past the time it can legally stay on a report. Accurate, current, and verifiable information cannot be removed just because it is negative — most accurate negative items can stay for seven years, and a bankruptcy for ten. We will not create a new credit identity (sometimes called a CPN) or submit false information.

This work follows the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA).

Under CROA, you may cancel a contract for any reason within three business days after you sign it, at no charge. A credit repair company also may not charge you for a service before that service has been fully performed.

Results vary. No specific score increase is guaranteed, and no item is guaranteed to be removed. Some items may need more than one round, and accurate, timely items may stay on your report. We will always be honest with you about what we see.

Credit education

Know your reports

Know the companies that may have a report about you — and who they report to.

Credit bureaus

The 3 main credit bureaus

Experian

Nationwide bureau keeping your accounts, payments, balances, and inquiries. Owns Clarity Services and Experian RentBureau.

Reports to Lenders · Landlords · Employers

Equifax

Nationwide bureau holding your accounts, payments, collections, and bankruptcies. Runs The Work Number for job and income checks.

Reports to Lenders · Landlords · Employers

TransUnion

Nationwide bureau reporting to lenders and landlords. Also offers tenant screening (SmartMove) and driver history.

Reports to Lenders · Landlords · Insurers

Beyond the big three

Other credit bureaus you should know

Innovis

Innovis, a CBC Companies subsidiary, provides credit and identity-verification data to lenders.

Reports to Lenders

SageStream

SageStream, owned by LexisNexis Risk Solutions, provides supplementary consumer reports to auto lenders, card issuers, retailers, utilities, and phone companies.

Reports to Auto lenders · Card issuers, retailers · Utilities, phone companies

Clarity Services

Clarity Services, owned by Experian, tracks payday, installment, and auto loans, check cashing, and rent-to-own deals.

Reports to Lenders · Subprime lenders

Banking reports

Your bank account reports

ChexSystems

ChexSystems keeps checking-account history: applications, openings, closures, and why.

Reports to Banks · Credit unions

Early Warning Services

Early Warning Services operates Zelle, is co-owned by seven large banks, and helps detect account and payment fraud.

Reports to Banks · Merchants · Lenders

Certegy

Certegy keeps check-writing history and verifies checks and electronic (ACH) payments.

Reports to Retailers, casinos · Banks · Other businesses

Life & health insurance

Medical reports

MIB, Inc.

MIB keeps information on medical conditions and hazardous activities and, with your authorization, reports it to insurers.

Reports to Life and health insurers · Disability and long-term-care insurers

Milliman IntelliScript

Milliman IntelliScript collects prescription-drug purchase history and provides risk scores to life insurers.

Reports to Life insurers

Insurance

Insurance reports

A-PLUS (Verisk)

Reports your home, auto, and personal-property claims history.

Reports to Insurers

LexisNexis C.L.U.E.

Reports up to seven years of auto and property claims for pricing and underwriting.

Reports to Insurers

iiX (Verisk)

Reports motor-vehicle records, such as traffic violations.

Reports to Insurers, employers

TransUnion Drivers History

Reports driving violations from public and government sources.

Reports to Insurers, employers

Employment

Background checks

Accurate Background

Runs pre- and post-hire background checks for employers.

Reports to Employers

Asurint

Screens job candidates for employers, including criminal records.

Reports to Employers

backgroundchecks.com

A HireRight company: background checks plus job and income verification.

Reports to Employers

Checkr

Background checks for employers; can include past jobs and education.

Reports to Employers

HireRight

Background screening for employers; owns backgroundchecks.com.

Reports to Employers

Universal Background Screening

Background checks, social-media screening, and job and income verification.

Reports to Employers

Jobs & income

Employment, income & social media

Experian Verify

Experian Verify provides income and employment verification.

Reports to Lenders · Employment screeners · Social-service agencies

The Work Number

The Work Number, from Equifax, holds employment and income data from employers and payroll processors.

Reports to Employers · Lenders · Government agencies

Social Intelligence

Social Intelligence provides social-media screening for employers.

Reports to Employers

Housing

Tenant screening

AmRent

Screens tenants, including employment and income verification.

Reports to Landlords · Managers

RealPage LeasingDesk

Through LeasingDesk, reports rental history, evictions, identity checks, and background records.

Reports to Owners · Managers

AppFolio

Provides tenant screening to property managers and landlords.

Reports to Managers · Landlords

TransUnion SmartMove

Gives landlords tenant reports, estimated income, risk scores, and leasing recommendations.

Reports to Landlords

Experian RentBureau

Holds rent-payment history; some on-time payments appear on your Experian credit report.

Reports to Tenant screeners

Build your credit

Tools to build your credit

CreditBuilderIQ

Reports your on-time rent, electric, water, gas, and phone payments to the three bureaus, and gives you reports and dispute tools.

Reports to The 3 bureaus Check current pricing on its website

Acru Card

A secured card, not a loan: your deposit (e.g., $200) becomes your spending limit, and on-time payments are reported to all three bureaus.

Reports to The 3 bureaus

Tip

Freeze your credit, it's free

Free at Equifax, Experian, and TransUnion: request it at each one and lift it when you need to.

Equifax · Experian · TransUnion

Credit-building tip

Authorized user

Ask a trusted family member with a long-standing, well-paid credit card to add you as an authorized user. That card's history, including its age and on-time payments, can appear on your credit report and help raise your score.

Works best when the card is always paid on time with a low balance. Most major card issuers report authorized users, but not all.

$1 To start

7 Day trial

3 Bureaus

Watch your credit

Monitor your credit with IdentityIQ

IdentityIQ is a paid monitoring service: it shows you your three-bureau reports and scores and alerts you to changes. It does not report to lenders.

Reports to You (monitoring) · Does not report to lenders

Free consultation

Book your free consultation

Book a free, no-obligation credit review. Bring your questions — leave with a plan.

Betty Cruz Founder · Restoration Credit Rebuild Your Credit. Reclaim Your Future.

Phone (786) 979-5132

Email betty@restorationcreditco.com

Website restorationcreditco.com

Hours Mon–Fri 9 AM–6 PM · Sat 10 AM–2 PM ET · Sun closed

Book your free Zoom credit review Book your free consultation Chat on WhatsApp

Virtual consultations via Zoom · In-person by requestor email us

Educational information only, not legal advice. Results vary; no guaranteed score changes.

My Digital Card

“But blessed is the one who trusts in the Lord, whose confidence is in him. They will be like a tree planted by the water that sends out its roots by the stream.”
— Jeremiah 17:7–8