Newton Baez
Sales Manager
Leading partnership development and realtor onboarding to help more families access credit restoration and mortgage readiness solutions.
View full bioCredit Restoration · Credit Education · Financial Readiness
Your Credit Shouldn't Hold Back Your Future.
Arreglocredito.com helps individuals and families understand, restore and rebuild their credit through a transparent, educational and results-focused process.
15+ Years of ExperienceBilingual ServiceServing Clients Across the U.S. & Puerto RicoNo Monthly Credit Restoration FeesResults-Based Restoration Model
Built on experience, transparency and education
15+
Years of industry experience
Thousands
Of consumers helped
EN / ES
Fully bilingual support
50 States
Nationwide service
Education
First, always
Results
Based restoration model
What Financial Goal Are You Working Toward?
Choose where you are today. Every path begins with a clear understanding of your credit profile.
About Arreglocredito.com
More Than Credit Restoration. A Path Toward Financial Confidence.
For more than 15 years, Arreglocredito.com has helped consumers across the United States and Puerto Rico understand what their credit reports actually say — and what they can do about it.
We combine credit analysis, credit restoration, credit education, personalized strategy, financial readiness, consumer advocacy and business credit education into one transparent process. No confusing promises. No hidden fees. Just a clear, documented plan and an experienced bilingual team.
- Credit analysis
- Credit restoration
- Credit education
- Personalized strategy
- Financial readiness
- Consumer advocacy
- Business credit education
Founder & CEO
Meet Jesús Salgado
Founder of Arreglocredito.com, credit educator, entrepreneur and national speaker with more than 15 years in the credit and financial readiness industry.
- 15+ years of industry experience
- Founder of Arreglocredito.com
- Credit education advocate
- National speaker
- Industry training and professional development
- Community involvement across Central Florida and Puerto Rico
Our Team
Meet Our Professional Team
A dedicated team of credit specialists, mortgage readiness advisors, and client success professionals committed to helping families reach their financial goals.
Vanessa Paez
Office Manager
Keeps operations running smoothly so every client and partner receives timely, organized, and professional service.
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Yaritza Rivera
Credit Resolution Manager
Guides clients through dispute resolution and credit strategy, keeping every file moving toward mortgage readiness.
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Nancy Salgado
Sales Rep Puerto Rico
Serves Puerto Rico clients and partners, helping families across the island access credit restoration and mortgage readiness solutions.
View full bioOur Services
A complete credit and financial readiness practice
Every engagement begins with understanding. What we find determines what we recommend.
Personal Credit Restoration
Identifying potentially inaccurate, outdated or unverifiable information and helping you exercise your rights under applicable consumer protection laws.
Learn moreCredit Audit & Analysis
A professional three-bureau analysis of everything reporting on your credit profile, explained in plain English or Spanish.
Learn moreMortgage Credit Readiness
Educational guidance for consumers preparing to purchase a home, focused on how mortgage lenders evaluate credit profiles.
Learn moreBusiness Credit
Helping entrepreneurs understand how business credit is established, reported and strengthened separately from personal credit.
Learn moreCredit Education
Resources and one-on-one guidance covering credit reports, scoring models, utilization, payments, inquiries and financial habits.
Learn moreWhy We're Different
A Different Approach to Credit Restoration
Most credit repair companies charge a monthly fee whether anything changes or not. We built our model around accountability instead.
There is no monthly credit restoration fee and no upfront deletion fee. Clients pay applicable restoration fees after eligible negative accounts are successfully removed or corrected, according to the terms of the service agreement.
IF WE DON'T DELETE IT, WE DON'T CHARGE THE DELETION FEE.
- No monthly credit restoration fee
- No upfront deletion fees
- Restoration fees apply only after eligible items are removed or corrected
- Documented, transparent process from day one
Accurate, current and verifiable information generally cannot be removed from a credit report simply because it is negative.
How It Works
Six steps, fully documented
A structured process built on education, documentation and consumer rights.
01
Free Consultation
A bilingual credit professional reviews your situation, your goals and your timeline. No cost, no obligation.
02
Credit Audit
We analyze all three bureau reports: negative accounts, utilization, payment history, credit age, credit mix and reporting inconsistencies.
03
Personalized Strategy
You receive a written strategy explaining what we intend to address, what cannot be addressed, and what you should do in parallel.
04
Dispute & Documentation Process
We help you exercise your rights under applicable law regarding information that may be inaccurate, outdated or unverifiable, and document every step.
05
Monitor Results
Bureau responses are reviewed as they arrive. You see what changed, what did not, and why.
06
Credit Education & Rebuilding
Restoration is only half the work. We teach the habits and structures that keep your profile strong.
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
Most Popular
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
Elite
Credit Success Package
$799
- Everything in Premium
- Priority case handling
- Mortgage readiness guidance
- Business credit education module
- Extended monitoring guidance
- Direct professional coordination
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.
Client Stories
Real people. Real financial goals.
Our clients come to us preparing for a home, a vehicle, a business or simply peace of mind.
“They explained every line of my credit report in Spanish, step by step. For the first time I understood what I was actually dealing with.”
M. Rivera
Homebuying journey · Orlando, FL
“What I valued most was the honesty. They told me what could and could not be addressed before I paid anything.”
J. Delgado
Credit rebuilding · Puerto Rico
“As a small business owner, understanding how business credit is built changed how I plan my next five years.”
A. Fuentes
Business credit education · Kissimmee, FL
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Individual results vary. Past results do not guarantee future outcomes.
Credit Education Center
Understand credit before you make your next financial decision
Plain-language guides on credit reports, scoring, collections, disputes, mortgage readiness and business credit — written by our team, available in English and Spanish.
How credit restoration worksHow long negative accounts stay on a credit reportWhat affects a credit scoreCollections and credit reportsLate payments and charge-offsCredit utilization explainedHard inquiriesMortgage credit scores
Our full Education Center is expanding. Ask your consultant for the guides most relevant to your situation.
Blog
Blog
Articles, updates and practical advice from the Arreglocredito.com team.
Professional Partners
Help More Clients Become Credit Ready
Realtors, mortgage loan officers, brokers, insurance and tax professionals, auto dealers and financial advisors partner with us to help their clients better understand and prepare their credit profiles.
RealtorsMortgage Loan OfficersReal Estate BrokersInsurance ProfessionalsAuto DealersTax ProfessionalsFinancial ProfessionalsEntrepreneurs
Arreglocredito.com is not a mortgage lender and does not guarantee mortgage approval.
Frequently Asked Questions
Straight answers before you start
Consumers have the right to dispute inaccurate information directly with the credit reporting agencies at no cost, and may obtain copies of their credit reports through authorized sources. Arreglocredito.com is not a law firm and does not provide legal advice.
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.