Back at the height of the 2008 recession, I like many others in South Florida was deeply affected by the housing market crisis. My home drastically dropped in value to the point where I was nearly $200k upside down on my mortgage. It was at that point that I like everyone else applied and was denied a mortgage modification. I found myself between a rock and a hard place. I decided it was best to work with my bank and do a short sale/foreclosure. My credit took a massive dive. I remember being in the early 800's and took alot of pride in NEVER being late and ALWAYS paying things early. My score dropped to the low 400's and that is where my story truly begins.
At that time I was an Assistant Service Manager at the Collection in Coral Gables (Ferrari & Maserati).A trusted salesmen recommended me to a "Credit Repair Guy". I met with him one time and in less than 5 minutes he barely skimmed through my credit report and he asked me to pay him over $1,100 upfront to repair my credit. I trusted him and gave him the money to get started. Unfortunately, I like many others back in 2008 fell victim to the false promise of getting my credit back to normal. He rarely answered my calls and eventually his number changed. That's when I took matters into my own hands.
I started to study the credit repair process and found that most of these "Credit Repair Guys" simply send 3 letters (one to each bureau). They never follow up and they rarely get results. I found a few loop holes with the Credit Bureau's, Creditors, Collection Agencies and even the FCRA that helped me get my credit file back to A+ rating with a score in the 800's. Soon after, I decided to Launch my own business and what I like to call the "Honest Credit Improvement Process™". I will never ask you to pay for something that I haven't deleted yet. You only pay for the results AFTERWARD keeping our company HONEST and working Hard Month after Month ro get you the results that you need.
I promise to always treat you the way that I myself like to be treated. I will always answer my phone/texts/emails. I will work tirelessly month after month to get your credit back to where it needs to be. Honesty is the Key Stone to our business and I will always show you the results and give you realistic timelines. Unfortunately everyone's credit is different. But I vow to treat you all the same. We are proud to be a family owned/operated business and will do whatever it takes to work with you to achieve your goals.
Arnold L Cuervo III
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