01
Errors and inaccuracies
Balances, dates, or statuses that don't match.
Credit education & consulting
The code behindyour credit
Understand your report. Know your options. Decide with clarity.
Please have your credit monitoring (SmartCredit) active before the call. *Results are not guaranteed. Every case is different.
Before your call
Not sure what's on
your report? Start by seeing it.
SmartCredit lets you see your reports and scores from all 3 credit bureaus in one place. Please have it active before your diagnostic call, so we can review your report together.
SmartCredit is a third-party service. You sign up directly with them, so please review their current pricing and terms before you subscribe.
The problem
They told you no. No one explained why.
Where errors
disappear*
*Results are not guaranteed. Every case is different.
We teach you how to read your report and walk you through every step.
What we review
Every piece of the code.
02
Collection accounts
Who is reporting them, and whether the details are complete.
03
Inquiries
Who has looked at your credit.
04
Personal information
Names, addresses, and employers.
How we work
Three steps.
No hype.
Book your diagnostic call
Pick a day and time. We talk about your situation and your goals.
Activate your monitoring
You set it up yourself, directly on the platform. We will never ask for your Social Security number or passwords by message.
Review it together
We read your report together, and I explain your options.
About me
I've been
there too.
I'm Bray, El Mago del Crédito: a credit consultant and educator based in Florida. I speak from experience, not from a pedestal, and I explain the complicated parts in plain language.
Questions & your rights
Clear answers
in plain language.
What does El Mago del Crédito do?
Credit education and consulting. We teach you how to read your credit report, explain your options, and support you while you manage your credit. You make every decision.
Can I dispute errors myself?
Yes. Under the federal Fair Credit Reporting Act (FCRA), you can dispute inaccurate information for free, on your own, directly with Equifax, Experian, TransUnion, and the company that reported it. You don't need to hire anyone. To see your 3 reports, you can use SmartCredit.
How does a dispute work, in general?
You tell the credit bureau, in writing, which information you believe is inaccurate and why, and you include any documents that support it. The bureau must investigate within the time the law allows and pass your dispute to the company that reported the information. Information that can't be verified must be corrected or removed. Accurate information can stay on your report.
How is a credit score built?
Most scoring models look at the same main factors: your payment history, how much of your available credit you use (utilization), the age of your accounts, your mix of credit, and new credit or recent applications. Lenders use different models, so you can have more than one score.
Do you guarantee results?
No. No one can legally guarantee that anything will be removed or that your score will go up. Accurate, verifiable information can stay on your report, even if it's negative. Every case is different.
What happens on the diagnostic call?
I get to know your situation and your goals, we go over your report together, and I explain what we see and what options you have. Please have your credit monitoring active before the call.
Why activate credit monitoring?
So we can review your up-to-date report together. We use SmartCredit. You sign up yourself, directly on their platform. SmartCredit is a third-party service, so please review their current pricing and terms before you subscribe.
Will you ask for my Social Security number or passwords?
No. We will never ask you to send your Social Security number or passwords by DM, email, or phone.
How much does it cost?
Any fees and terms are given to you in writing before any service begins.
What does the CROA protect?
The Credit Repair Organizations Act is a federal law that protects people who hire services to improve their credit: you can't be charged before the services are completed, there must be a written contract, and you have 3 business days to cancel at no cost.
How long does it take?
It depends on each case. We don't promise timeframes.
Educational simulator
See how scores
are built.
Move the three factors with the most weight and watch how this illustration responds. It's an educational illustration only, not a prediction. It is not your real score or an official FICO® Score.
Credit mix and new credit stay fixed at an average for this exercise.
Illustrative estimate
745
300Very good850
Payment 35%
Utilization 30%
Age 15%
In this illustration, the biggest gap is utilization: how much of your limit you use carries a lot of weight.
Book your diagnostic callEducational illustration only, not a prediction. Your real score depends on your credit report and on the scoring model each lender uses. *Results are not guaranteed. Every case is different.
Your next
move.
One call. Your report. Your options.
Have your credit monitoring (SmartCredit) active before the call · *Results are not guaranteed. Every case is different.