CREDIT ANALYSIS & CONSULTING

UNDERSTAND YOUR
CREDIT, BUILD A
BETTER FINANCIAL FUTURE.

Professional credit report analysis & personalized guidance for people commited about improving their financial profile.

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WHAT YOU RECEIVE

CREDIT REPORT
ANALYSIS & PERSONALIZED GUIDANCE.

Credit Report Review

WE REVIEW YOUR CREDIT REPORT AND IDENTIFY FACTORS THAT MAY BE AFFECTING YOUR FINANCIAL PROFILE.

POTENTIAL ISSUE IDENTIFICATION

WE HELP IDENTIFY NEGATIVE ITEMS, REPORTING INCONSISTENCIES, AND AREAS THAT MAY BE IMPACTING YOUR CREDIT PROFILE.

PERSONALIZED ACTION PLAN

RECEIVE PRACTICAL GUIDANCE AND RECOMMENDATIONS TAILORED TO YOUR SPECIFIC CREDIT SITUATION AND FINANCIAL GOALS.

STRATEGIC CREDIT GUIDANCE

GET CLEAR NEXT STEPS AND PRACTICAL RECOMMENDATIONS ON HELPING YOU BUILD A STRONGER FINANCIAL PROFILE OVER TIME.

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WHAT WE HELP YOU REVIEW.

COMMON CREDIT REPORTING AREAS WE REVIEW *

We help clients better understand the reporting factors, account history, and financial behaviors that may influence their overall credit profile.

COLLECTIONS
LATE PAYMENTS
MEDICAL BILLS
STUDENT LOANS
CHARGE-OFFS
EVICTIONS
INQUIRIES
BANKRUPTCIES

*Review areas vary based on individual credit profile, reporting accuracy, and personal financial history. No specific outcome is guaranteed.

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HOW IT WORKS

Step. 1:
CREDIT REVIEW

We review your credit profile, reporting history, and identify areas that may require further attention.

Step. 2:
STRATEGY + DISPUTES

We provide recommendations and next steps based on your individual credit profile and goals.

Step. 3:
TRACKING + UPDATES

We help you understand changes over time and discuss potential next steps when appropriate.

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CHOOSE THE LEVEL OF SUPPORT THAT FITS YOUR GOALS

Transparent pricing and clear expectations before you get started.

PROFESSIONAL CREDIT ANALYSIS
$99

One-Time Professional Review

✓ Full credit profile review.
✓ Negative item analysis
✓ Reporting inconsistency review
✓ Personalized action plan
✓ Negative item analysis
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MOST POPULAR

ONGOING CREDIT PROGRAM
‍$299 Setup
+ $129/mo

Ongoing Credit Guidance

✓ Includes full credit analysis
✓ Bureau dispute assistance
✓ Monthly progress updates
✓ Client portal access
✓ Ongoing strategy adjustments
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Need your credit report first?

Get Credit Report for $1

**Services are based on individual credit profile, reporting accuracy, account history, and client participation. Results vary by individual circumstances. No specific outcome, score increase, or item removal is guaranteed. Monthly programs include ongoing guidance, account review, and strategic support. Setup fee applies to the Ongoing Credit Program.

MEET YOUR CONSULTANT

PROFESSIONAL GUIDANCE YOU CAN TRUST

Cuban born and  based in Miami, Ray established Credit Building Consulting with a clear mission: helping individuals and families better understand the power of credit and build a better future for thenselves. Ray's vision is to help his community reach financial confidence and build a strong credit and a long‑term foundation.
Your Credit, Your Future.
‍That philosophy guides everything we do — providing professional guidance, realistic expectations, and practical support tailored to your situation.

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** Service Disclaimer :
Credit Building Consulting provides professional credit education, analysis, and guidance services. We do not guarantee specific outcomes, including credit score increases, account removals, financing approvals, or any specific credit-related results. Every credit profile and financial situation is unique, and outcomes depend on factors beyond our control, including reporting accuracy, creditor responses, lender criteria, and client participation.Our services are educational and consulting-based in nature and should not be considered legal, tax, or financial advice. Clients are encouraged to consult with qualified legal, financial, or tax professionals when appropriate.Ongoing credit improvement depends on responsible financial behavior, including payment history, debt management, and maintaining accurate information. Clients are responsible for providing accurate documentation and actively participating in the process.

Your Credit, Your Future.

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