Three-bureau analysis
A detailed review of your Equifax, Experian, and TransUnion reports and a written plan with clear priorities.
Forteza Credit · Florida · Serving the U.S. and Hawaii
Credit correction built on strategy, not promises.
We review your reports from all three bureaus, dispute inaccurate, incomplete, or unverifiable information, and coach you toward credit that's ready for your goals — including homeownership.
- We never charge before the work is done
- Cancel at no cost within 5 business days
- Service in English and Spanish
- Monday–Friday · 9:00–5:00 ET
Quick answer
What is credit repair?
Credit repair (or credit correction) is the process of identifying errors on your credit reports and disputing them with Equifax, Experian, TransUnion, and your creditors under the Fair Credit Reporting Act (FCRA). The law requires reported information to be accurate and verifiable; anything that isn't must be corrected or removed. Accurate, timely information cannot legally be removed.
Services
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A complete process, not just dispute letters
We pair documented disputes with financial education so your progress lasts.
Documented disputes
We prepare and manage disputes of inaccurate, incomplete, or unverifiable information, round by round.
Forteza Monitoring
Monthly tracking of your reports so we can measure every change and adjust the strategy.
Education and coaching
Utilization, payment history, and credit habits — what sustains your progress after the disputes.
Homebuyer readiness
A credit-readiness path designed around your homeownership goal.
Educational content. We are not a lender or loan originator; rate and qualification questions go to a licensed lender.Identity theft
We guide you through identity theft reports, fraud alerts, and credit freezes (free by law).
How it works
Four steps, zero surprises
You'll always know what we're doing, why, and what comes next.
Free consultation
We talk through your goals and review your situation. No cost, no commitment.
Analysis and plan
We study your three reports and give you a written plan with priorities.
Dispute rounds
We send documented disputes and follow up on every bureau response.
Education and monitoring
We track progress and coach you on habits that protect your credit.
Transparent billing: you pay monthly only after that month's dispute round has been sent. We never charge in advance. Your plan's price is confirmed in writing at your consultation.
Transparency
What the law requires — and we embrace
The credit repair industry has a reputation for impossible promises. At Forteza Credit we do the opposite: clarity first.
What we do
- A written contract describing services and cost
- The right to cancel at no cost within 5 business days of signing
- Disputes only of inaccurate, incomplete, or unverifiable information
- Billing only after the month's work is done
- Bilingual communication and progress reports
What we will never do
- Guarantee results or a specific score increase
- Ask you to dispute information you know is accurate
- Recommend a CPN or a "new credit identity"
- Charge you before the service is performed
- Tell you not to contact the bureaus or your creditors
You have the right to dispute information on your credit report on your own, at no cost, directly with the bureaus and the creditor. You can get your reports for free at AnnualCreditReport.com.
Learn with us
Credit education videos
Short, clear explanations so you can make informed decisions. Every video includes its key points.
How to Read Your Credit Report in 10 Minutes
The sections of your report, what each one means, and what to check first.
Key points from the video
- Personal information, accounts, inquiries, and public records
- How to spot duplicate accounts or incorrect balances
- Where to get your free reports: AnnualCreditReport.com
Your FCRA Rights: How a Dispute Works
What the law says, how long the bureaus have, and what to expect.
Key points from the video
- Reported information must be accurate and verifiable
- Bureaus generally have 30 days to investigate
- You can dispute on your own, at no cost
Credit Utilization: The Habit That Weighs the Most
Why the share of your limit you use matters so much.
Key points from the video
- Utilization = balance ÷ credit limit
- Using less of your limit generally helps your score
- On-time payment history is the most heavily weighted factor
Collection Accounts: What to Do Before You Pay
How to validate a debt and protect your rights.
Key points from the video
- Request debt validation in writing
- Get any payment agreement in writing
- A paid collection doesn't always disappear from your report
From Credit to Keys: Getting Mortgage-Ready
What a lender evaluates and how to get organized early.
Key points from the video
- Payment history, utilization, and current debts
- Avoid opening new credit during your home purchase
- Rate and qualification questions go to a licensed lender
How to Spot Credit Repair Scams
The red flags the law and the FTC point to.
Key points from the video
- Upfront fees or guaranteed results
- Being asked to dispute accurate information
- Offers of a CPN or a new credit identity
Where we serve
A Florida company serving the entire U.S.
Our whole process is remote and secure: consultation, signing, and follow-up wherever you live.
Headquarters
Florida
Our office is in St. Cloud, in the Orlando area.
Service
United States
We serve residents across the U.S. remotely.
Service
Hawaii
Full service; we schedule appointments around your time zone.
Education
Puerto Rico
Educational videos and guides are available. At this time we do not contract credit repair services with Puerto Rico residents.
When your credit is ready, your home can be too
Many of our clients come to us with one goal: buying a home. When you're ready, we can introduce you to real estate professionals and licensed lenders for the next step.
Affiliated business disclosure: Forteza Credit LLC and Forteza Realty LLC share common ownership. You are not required to use Forteza Realty or any professional we introduce; you are free to choose. Forteza Credit does not offer loans or mortgage advice.
Your Forteza path
- Consultation and credit plan
- Dispute rounds and education
- Review with a licensed lender
- Home search with a licensed agent
FAQ
Clear answers to the questions we hear most
What is credit repair, and is it legal?
Yes, it's legal. The Fair Credit Reporting Act (FCRA) gives you the right to dispute inaccurate, incomplete, or unverifiable information on your reports. The Credit Repair Organizations Act (CROA) regulates companies like Forteza Credit: a written contract, no fees before services are performed, and the right to cancel.
How long does it take to see results?
Every case is different. Bureaus generally have 30 days to investigate each dispute, and many cases are worked over several months. We don't guarantee results or timelines; we do keep you informed of every response.
Can you remove negative accounts that are accurate?
No. No one can legally remove accurate, timely information. Be wary of any company that promises it. What we can do is dispute what's inaccurate, incomplete, or unverifiable, and help you build positive history.
How much does the service cost?
Pricing depends on the plan you need and is confirmed in writing at your free consultation. We never charge in advance: you pay monthly only after that month's dispute round has been sent.
Can I cancel?
Yes. You can cancel at no cost or penalty within 5 business days after signing your contract. After that period, you may end the service under the terms of your contract.
Do you serve clients outside Florida?
Yes. Forteza Credit is a Florida company that serves residents across the United States remotely, including Hawaii.
Do you offer services in Puerto Rico?
At this time we do not contract credit repair services with Puerto Rico residents. Our educational videos and guides are available to everyone at no cost.
How long does negative information stay on my report?
Most negative information can be reported for up to 7 years. Some bankruptcies can remain for up to 10 years, and hard inquiries appear for 2 years.
Can I dispute errors on my own?
Yes, at no cost. You can dispute directly with Equifax, Experian, TransUnion, and the creditor. Many people prefer a team that organizes the process, documents every step, and follows up; that's the role Forteza Credit plays.
Will checking my credit with you lower my score?
No. Reviewing your own reports is a soft inquiry and does not affect your score.
What is a CPN, and why don't you recommend it?
A CPN ("credit privacy number") is sold as a way to build a brand-new credit history. Using one on credit applications in place of your Social Security number can be fraud. Forteza Credit never recommends it.
What do I need to get started?
A photo ID, proof of your current address, and access to your credit reports (we'll help you get them). Everything starts with a free consultation.
Contact
Book your free consultation
Tell us your goal and a bilingual specialist will contact you during business hours.
- Phone407-289-1444
- Email[email protected]
- Office3207 13th St., St. Cloud, FL 34769
- HoursMonday–Friday, 9:00 AM – 5:00 PM (Eastern Time)