Credit Repair

Fundamental
Credit Repair

Our credit experts are always within reach.

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Raul Bernal, Founder

Raul Bernal
Repairmycreditscores.com Founder

We Fix Credit.

Raul Bernal is a Miami, FL based serial entrepreneur.  As a licensed Real-Estate Broker with a wealth of experience in Credit Repair, Credit Building, Contracts, Sales Training and Business Funding.  Raul established Credit Score Restore, LLC. in 2005.  He established his proprietary platform to help put clients in a position to reach their financial goals by providing expert guidance and credit literacy. Raul has built his impressive professional reputation through a commitment to personalized “private-client service” that consistently exceeds expectations.

Our approach

We identify the items you wish to challenge on your credit reports as well as determine the proper path in order to reach your ultimate goal. As a result, we can then determine what credit repair services are necessary based on the credit goals you want to achieve.

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Depending on your credit profile, we can recommend :

Credit Repair

Private conversations take place through secure app from the comfort of one’s personal device (mobile and desktop).

Debt Settlement / Debt Consolidation

Start the same day as registration﹣exchange daily messages, schedule video sessions and monitor progress, anytime, anywhere.

Credit Building

Every member’s central relationship is with a licensed clinician of their choice for care and coordination.
We’ve led stigma reduction efforts for the last decade. More Americans know Talkspace and over 50% of members are first-time care seekers.
 
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Better Credit for you.

Establishing a credit foundation with a good mixture of accounts will help diversify credit history and in turn help raising the credit score.

-Retail Revolving Credit Cards
-Bank Revolving Credit Cards
-Charge Cards
-Lines of Credit (Business & Personal available)

Authorized User Accounts

Boost your credit file temporarily adding trade lines to your credit report. If you have little or no credit history, becoming an authorized user gives you a jump-start. When someone you trust adds you as an authorized user to their credit card, a new account will appear on your credit report.

Credit Injection / Secured / Unsecured Credit Cards

Administer quickly with account advising, communications support and technical reporting to realize ROI.

TransUnion

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Experian

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Equifax

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FDCPA Knowledgable Staff

Fair Debt Collections Practices Act

Protection Against Creditors Violating the FDCPA

Some debt collectors are known to practice unfair debt collection methods that can be deemed as harassment or a violation of the Fair Debt Collection Practices Act (FDCPA).

If there are any violations of the Fair Debt Collection Practices Act (FDCPA) or the Fair Credit Reporting Act (FCRA) on your credit report or by collection agencies, we refer to an attorney that specializes specifically against the unfair and/or abusive practices by debt collectors.

For example, here are some actions a collection agency is not allowed to do:

    • Call before an unreasonable time, normally deemed 8:00 a.m. or after 9:00 p.m.
    • Use abusive or profane language
    • Contact your employer, relatives, friends or neighbors
    • Mention damage to your credit score
    • Contact you on your cellular phone or at work if they have been advised not refrain from contact.

These accounts mainly include any open collection accounts and charge-off accounts that still have a balance.

If any violations are found, you may be entitled up to $1,000. This step can also contribute to 30% of your credit score versus whatever is positive or negative on your file but not limited to your inquiries and or balances.

FCRA Knowledgable Staff

Fair Credit Reporting Act

Protection Against Creditors Violating the FDCPA

The Fair Credit Reporting Act (FCRA) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports.

What Is the Purpose of the Fair Credit Reporting Act?

Passed in 1970, the FCRA helps consumers understand what actions they can take in regard to the information in their credit reports. Information is being gathered about consumers all the time: In addition to the three major consumer credit bureaus (Experian, TransUnion and Equifax), there are other organizations that may collect and use your information. For example, banks and credit unions may use information from your credit history to determine whether to approve you for a loan.

Why does it matter how information about your credit is used? Whenever you apply for a credit card, a car loan, a mortgage loan or any other form of credit, the issuing company checks your credit history to assess your creditworthiness. The terms you are offered for credit (such as a loan) may be based in part on your credit score and information in your credit report.

Your credit history affects more than just your ability to get loans or the annual percentage rate (APR) on your credit cards. For instance, prospective landlords could check your credit report to see how creditworthy you are when deciding whether they can trust you to pay your rent on time.

In some states, employers may check your credit report for hiring purposes. Also, depending on the state, insurance companies may check your credit to determine whether to offer you coverage.

Outcomes

Proven effective Credit Repair

Credit Correction

10,000 participants with anxiety and depression over 12 weeks:
Source: Proprietary Data reporting from our CRM

60%

improvement
within 90 days

80%

improvement
within 120 days

Work
productivity

After 12 weeks, employees reported feeling more energized, productive, and engaged.
50% less work hours missed
+36% increase in productivity
+39% work-life balance

Validated by experts

10+ years

Credit Restoration Processing and Coaching

50k+

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Awarded “Best Overall” Mental Health Solution

Discover how rebuild
your credit reports

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