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My name is Javier DeLaCruz and I have been in involved in credit repair and credit consultation for over 8 years. I grew in up Phoenix, AZ and have lived here my entire life. Phoenix is often called "Valle del sol", which means Valley of the Sun so that is why I decided to call my company Del Sol Credit Restoration L.L.C. I use the word credit restoration not credit repair because a large part of helping customers fix and elevate their credit status is consultation and education. Just helping customer delete and omit negative and derogatory, incorrect and outdated information from their credit reports is only 50% of the whole process. Clients have to understand how credit works so they can make important decisions to maintain and continue to improve their credit. My story I am highly motivated to help others with their credit because I myself had a very bad credit rating for over 8 years. Everything I had was purchased cash, and yes I was approved for car a loan but had to put a huge down payment and had an interest rate over ***20%***. I ended up paying over $6000 in interest for 3-year loan. That is ridiculous, but that’s the price I had to pay because of my low 525 credit score. Believe me when I say I know what it is like to be limited by a low credit scores, but thank God I had a good job which allowed to still make ends meet. The Change This situation I was in constantly haunted me - knowing the fact that I had to put a huge deposit on my debit card just to rent a vehicle. If I wanted a loan and had get one of those payday loans with 36% interest and so on and so on. I decided one day that enough was enough! I said to myself that no matter what, I was going to get a credit score over 700. I was determined. No matter how many books I had to read, habits I had to change, and finance professionals I had to speak to I was on a mission to improve my credit! I spent hours reading articles on FICO and the various laws set by the FCRA, (Federal Credit Reporting Agency) that was created to help protect customers from credit fraud and credit report inaccuracies. It took me over 2 years, but I did it. After that I was able to help many of my friends and family with their situation. Now I am ready to HELP YOU! How I can help you? If you are looking to purchase a new home or vehicle but have less than perfect credit, you owe it to yourself to take next steps to improve credit situation. It will change your life not only for yourself but for your family and those around you as well. I know from personal experience that if you don't do anything about it now, you will end up paying thousand and thousand more because of higher interest rates and lose opportunities to live a better life, all because of your credit rating. Let me help you at take steps in the right direction even if you decide not you use Delsol Credit Restoration LLC., you will at least gain very valuable information that can only help you. Fill out contact information with best time to contact you and one of my staff or I will personally reach to you for a free evaluation. I look forward to working with you have a great day! |