Credit Problems?

We Help You Fix Them Legally, Ethically, and With No Empty Promises

Restore your credit. Regain your peace of mind.

Free initial consultation.

ABOUT OUR COMPANY

At Arreglocredito.com, we are a leading credit restoration company with over 14 years of experience, proudly serving communities across Florida, Puerto Rico, and multiple states in the U.S. Our mission is to help individuals and families regain financial stability through a legal, transparent, and personalized credit repair process.

Unlike other companies, we don’t charge upfront fees or monthly payments. We only get paid after negative accounts are successfully remove from your credit reports, in full compliance with state and federal laws.

Every client receives a free consultation and a full audit of their credit history. After the evaluation, we provide a clear action plan with fair pricing based on the type of accounts.

At Arreglocredito.com, we don’t just fix credit reports we educate our clients so they can build and maintain strong credit for life. Our goal isn’t just to delete negative items;

our mission is to transform lives.

Our Guarantee:

If we don’t delete it, you don’t pay.

It’s that simple.

Jesus Salgado

Mission

To help individuals and families regain their financial stability through a legal, transparent, and personalized credit restoration process, providing education and practical tools to build a healthy and sustainable credit history.

Vision

To be the leading Hispanic company in credit education and restoration in the United States and Puerto Rico, recognized for transforming lives, empowering communities, and raising the standard of ethics in the industry.

GOAL

To restore each client's credit effectively and responsibly, ensuring real results, providing education throughout the process, and helping more people gain access to financial opportunities that improve their quality of life.

OUR BENEFITS

Benefits of better credit score and restoration

Improving your credit score opens the door to better financial opportunities. With a stronger credit profile, you can qualify for lower interest rates, better loan approvals, higher credit limits, and even more affordable insurance premiums. Credit restoration helps remove inaccurate or outdated information, giving you a fresh start and the ability to build long-term financial stability.

At Arreglocredito.com, we don’t just help you fix your credit we help you take control of your financial future.

WHAT WE’RE OFFERING

We provide the best customer services

for your credit

Credit Repair

We offer expert credit repair services, helping you remove inaccurate, outdated, or unverifiable items to improve your score legally and effectively.

Credit Audit

Our detailed credit audit uncovers errors and negative items, giving you a clear roadmap to take control of your credit report.

Business Credit

We guide you in building strong business credit, separating your personal and business finances to unlock funding opportunities.

Education

We empower you with financial education to help you understand, protect, and build your credit for long-term success.

WORK PROCESS

Credit repair works in 4 ease simple steps

Review reports

We analyze your credit reports to detect errors and negative items, so we can build a plan to improve your score fast.

Dispute

We legally dispute inaccurate or outdated accounts with the credit bureaus to help clean and improve your credit report.

Fix errors

We help correct mistakes on your credit report that may be hurting your score, giving you a fair and accurate profile.

Watch progress

Track real-time updates

and see your credit improvements every step of the way through your secure client portal.

Meet the Team of Professionals

Jesus Salgado

Founder / CEO

Newton Baez

Sales Manager

Andrea Guerrero

Sales Representative

Nancy Salgado

Sales Representative PR

Vanessa Paez

Office Assistant

Jenny Velasco

Social Media Community Manager

Luissana López

Google Specialist

Client

TESTIMONIALS

Rosa L.

Thanks to Arreglocredito's help with my credit, I was able to buy the home of my dreams for me and my 9 children.

Mary A.

With the help and guidance of Arreglocredito, we were able to buy a new car with the interest rate we wanted. Thanks to Nancy

Jordi F.

Everyone told me I couldn’t buy because of my credit—until I walked into their office. A dream come true!

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STILL NOT SURE?

Frequently Asked Questions

Question 1: What is credit restoration?

Credit restoration is a legal process where we work with credit bureaus and creditors to correct errors or remove negative accounts from your report, in compliance with federal and state laws.

Question 2: How do I know if I qualify for this service?

Anyone with negative accounts on their credit report can benefit. We offer a free audit to evaluate your case and explain your options.

Question 3: How much does the service cost?

The cost depends on the accounts we work on. We charge a one-time setup fee of $199, which covers the audit, preparation, and initial dispute process. After that, you only pay for results — when accounts are successfully removed — starting at $45 to $65 per account per bureau, depending on the type of account. We do not charge monthly or full upfront fees.

Question 4: How long does it take to see results?

Every case is unique. On average, initial results can appear within 30–45 days after we send disputes, and the full process may take several months depending on your situation.

Question 5: Is this process legal?

Yes. Our work complies with the Fair Credit Reporting Act (FCRA) and other federal and state regulations. We do not use illegal methods or make false promises.

Question 6: What types of accounts can be removed?

We can work with medical bills, late payments, collections, foreclosures, bankruptcies, repossessions, and more. During your audit, we’ll explain which accounts have the best chances of being removed.

Question 7: Will this improve my credit score?

Removing negative accounts usually helps improve your score, but it’s also important to learn how to keep your credit healthy to maximize the results.

Question 8: What do I need to get started?

You’ll need your full credit report and to sign our service agreement. We’ll guide you step by step from the beginning.

Question 9: Can I do this myself?

Yes, by law you have the right to dispute errors yourself, but many people prefer our professional help because of our expertise, knowledge, and time savings.

Question 10: What happens if nothing is removed?

We offer a guarantee: If we don’t remove anything, you don’t pay. You only pay for real results.

Question 11: Why do I need SmartCredit?

SmartCredit is essential because it allows us to monitor your credit in real time, track changes, and receive alerts from all three credit bureaus. It also provides you with full access to your credit report and score. This tool helps us act quickly when updates occur and keeps you informed and protected throughout the entire restoration process.
Without credit monitoring, we can’t proceed with your case — it’s a required part of our process.