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How does credit repair work?

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You may have heard that credit repair is a problem waiting to happen. Many people have unfortunately been victims to the games of unethical companies such as this one HERE. This is not how I operate, I am here to assist my clients in achieving their dreams. Credit repair is a process- not an overnight quick fix and people that are promising extreme score boosts are probably there to take your money and run.

The right way to do things...

Under the Fair Credit Reporting Act we are able to assist our clients in identifying and removing items that simply put- should not be there. How is this possible you ask? We are using a proven method that entails a 3 step process which gives us the leverage we need to begin removing the bad stuff and slowly increasing your credit rating. Here are the basics of this 3 step process for disputing:

1. Each item must be reported within the allowable legal time frame for reporting
2. Each item must be reporting 100% accurate information
3. Each item must be reporting 100% verifiable information

If the credit bureaus or the collection agencies are not able to stay within these 3 basic guidelines they must either update the information to reflect correctly or DELETE it all together. And the important thing to remember is that if they cannot prove it they must remove it!

We are here to ensure that every item on your credit report is in compliance with various state and federal laws to ensure the accuracy of the items that are reporting. Nobody wants information on their credit report that cannot even at least be proven to be correct! This is exactly why you deserve the opportunity to have these items challenged and the bureaus and creditors should give us the proof we are looking for.

Why you should be concerned...

My personal background is in the collections world- a place where a lot of money is made- and a ton of personal information is dealt with- yet information is so sloppily handed back and forth. It is truly shocking to find out just how loosely information is tossed around behind the scenes and how common it is to find a collection agency with very little information to support the debt that they have purchased. More and more people are starting to take note of this- including judges in a court of law as reported in this NY Times article HERE.


We are partnered with a REAL law firm here in Texas offering the most effective credit repair solution,
we are the only Credit Repair company in Central and South Texas offering this Attorney powered credit restoration program at a huge discount from the normal fees of working directly with the law firm on an hourly basis.
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Do you want more information about your personal credit file?

If you are interested in finding out what I can do for you and your personal credit file, please take a minute to fill out my contact form and I will be happy to give you a free initial consultation. Enter your information and I will be in touch with you within 24 hours.


What is Debt Assumption?

Debt assumption is a special form of debt refinancing, involving three parties—the creditor, the original debtor, and a new debtor who assumes the debt obligation. 

A debt assumption involves two simultaneous transactions; the first transaction cancels the original debtor’s obligation, and the second transaction creates a new debt contract between the creditor and the new debtor, or assumer. 

The first transaction is classified as a capital transfer (as in the case of debt forgiveness), and the second transaction involves the creditor’s acquisition of the new debt instrument issued by the assumer. Any write-down of asset value by the creditor is recorded in the revaluation account.

After over a decade of extensive testing a new debt relief method is now finally available to the general public- The "Debt Assumption" process uses a unique two-pronged proprietary legal method to render credit card debts uncollectable. This new method delivers a debt relief alternative and gives consumers a way to find debt help without the burdens of traditional programs. This unique approach offers many key benefits compared to traditional debt relief methods including:

Minimal negative credit impact- only 10 months on average

Up to 65% resolution of debts

No tax burden to the consumer

Contact information transferred to take over all communications from creditors/collectors

The only option on the market where debt is assumed and shared becoming a co-debtor with the consumer

100% Money Back Guarantee


A number of large companies have been offering debt relief programs for many years now, but a quick Google search will reveal an unprecedented amount of unhappy customers. If you’re suffering from overwhelming credit card debt and looking for a better alternative, click HERE  to complete a debt relief application and savings quote.


What is Certified Financial Coaching?

Financial coaching means providing regular one-on-one sessions with clients via Skype or Phone in order to ‘coach’ performance improvements to meet goals mutually set by the coach and client.

​Coaching is not designed to be a therapeutic relationship or to manage a crisis. Coaching is well suited to asset building programs because clients often need encouragement and support to adhere to positive financial behaviors.  

A coach can provide a much-needed boost to self-control along with the flexibility to change strategies as the client’s financial situation changes. Coaching is different from counseling or mentoring and focuses more on ongoing behavior change, executive attention and goal setting, and goal monitoring.

Below is our 3 Step Process:

#1- Financial Evaluation:


We will begin with an intial evaluation and analysis of your current financial situation- a recent online credit report will be utilized for this process.

#2- Customized Gameplan:


We will guide you to the best possible solution for your current situation with the goal being to help you turn your situation around as quickly as possible.

#3- Financial Freedom:

Once you have received assistance with your most pressing needs, we will now dive deeper into the root causes of your challenges with our Financial Coaching and Counseling Services

To request a Free Consultation to see if you would be a right fit for our Financial Coaching Program- click HERE

917806 IH-10 Suite 300 San Antonio, TX 78257
Content Copyright 2019 M. Salinas Ventures LLC 
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