Tired of Being Denied
because of Bad Credit?
We can help remove negative accounts from your credit report including:
collections, charge-offs, inquiries, bankruptcy, repo's,
evictions, medical bills, Child support, and more...
Fix. Build. Leverage.
we are not “just another credit company.”
We are a Consumer Law Enforcement Firm that uses federal protections,
legal leverage, and advanced dispute systems to
permanently remove inaccurate, misleading, or unverifiable accounts.
As Featured In: New York Weekly , US Reporter , CEO Weekly ,
LA Wire , The Chicago Journal , and USA Wire.
Tired of Being Denied?
It’s time to FIX your credit and finally
get approved for what you deserve.
As Featured In: New York Weekly , US Reporter , CEO Weekly ,
LA Wire , The Chicago Journal , and USA Wire
Credit Restoration & Compliance Services
Credit Restoration &
Compliance Services
We specialize in correcting inaccurate, outdated, or unverifiable information on your credit reports using legal, documented, and compliance-driven methods.
Our process focuses on improving your creditworthiness, restoring lender trust, and helping you qualify for mortgages, refinances, business funding, auto loans, and ITIN lending programs.
Our work is rooted in FCRA enforcement, FDCPA validation, and Metro 2 data accuracy, ensuring every correction is lawful, compliant, and respected by lenders.
Hard Inquiries
We challenge unauthorized, duplicate, or excessive hard inquiries that may impact your score or affect your approval odds.
Bankruptcy
We review discharged or incorrectly reported bankruptcies and dispute them when they contain errors, inconsistencies, or no longer meet reporting guidelines.
Collections
We challenge collection accounts that are inaccurate, outdated, unverifiable, misreported, or not properly validated.
Charge-offs
We dispute charge-off accounts that have incorrect balances, wrong dates, invalid statuses, or that exceed the allowable reporting period.
Late Payments
We address late payments that are inaccurately reported, improperly documented, or outside the legal reporting timeframe.
Judgments
We challenge court judgments that were satisfied, vacated, updated incorrectly, or inaccurately linked to your credit file.
Repossessions
We review repossession accounts for reporting errors, date inconsistencies, incorrect balances, incomplete notices, or inaccurate Metro 2 status coding.
Evictions
We help correct eviction-related reports that are outdated, misreported, or improperly associated with your credit or tenant screening reports.
Identity & Personal Information Corrections
We correct inconsistent names, outdated addresses, employer data, and identity mismatches across all credit bureaus and specialty databases.
LexisNexis, Innovis & Specialty Database Reviews
Most credit reporting issues originate upstream.
We correct errors in these databases to ensure your credit reports remain accurate and compliant.
Metro 2 Compliance Analysis
We perform detailed reviews of each tradeline to identify incorrect DOFD, payment history errors, wrong status codes, inconsistent balances, incorrect ECOA codes, and other Metro 2 field conflicts.
FCRA & FDCPA Violation Enforcement
We enforce your rights under federal law to challenge items that are inaccurate, incomplete, unverifiable, outdated, misleading, or reported in a noncompliant manner.
Why Do Clients Choose Us Over
Other “Credit Experts”?
Credit Restoration & Compliance Services
How Our Process Works
Our team performs a complete review of your credit reports and supporting data across the major and specialty bureaus.
We identify errors, violations, and inconsistencies, then challenge them using:
• FCRA §1681e(b) accuracy requirements
• FCRA §1681i(a) reinvestigation rules
• FCRA §611 dispute rights
• FCRA §1681s-2(b) furnisher duties
• FDCPA validation requirements (collections only)
• Metro 2 reporting compliance
• cross-bureau consistency standards
• documented evidence and consumer rights
We do not use credit sweeps, shortcuts, police report mills, templates, or risky loopholes.
Our system is legal, compliant, and underwriting-approved.
Why Credit Accuracy Matters
Your credit profile affects major financial opportunities, including:
• home loan or refinance approval
• business funding and credit limits
• personal loans and credit cards
• insurance rates
• auto financing
• rental approvals
• identity verification processes
Even one inaccurate late payment, balance error, wrong reporting date, or inconsistent tradeline can lead to denials.
Our job is to restore the accuracy, integrity, and trustworthiness of your credit file.
Why We’re Different: The Credit Compliance & Enforcement System
Our approach is not “traditional credit repair.”
We are not a letter-sending service.
We are a Credit Compliance & Consumer Law Enforcement Firm built to restore inaccurate information, improve fundability, and help clients qualify for major financial opportunities.
Our system focuses on accuracy, data integrity, and federal compliance — not templates or shortcuts.
We help clients:
• prepare for home mortgage approvals
• increase their ability to qualify for high-limit personal credit
• strengthen their profiles for business funding opportunities
• overturn denials caused by inaccurate or misleading credit data
• rebuild trust with lenders using documented and compliant methods
If you’ve ever worked with a credit repair company that sent generic letters or delivered zero results, our system shows what real compliance-driven credit restoration looks like.
Who Is This Program For?
Our Enforcement-Based Advantage
Consumer Law Enforcement First
We challenge inaccurate, unverifiable, or misleading accounts using:
• the Fair Credit Reporting Act (FCRA)
• the Fair Debt Collection Practices Act (FDCPA)
• Truth in Lending Act (TILA)
• Uniform Commercial Code (UCC)
• applicable regulations and case law
Every action is backed by documentation, statutes, and data requirements — not gimmicks.
The Triple-Impact Accuracy Review System
Our process conducts a multi-layered audit across:
Credit Bureaus
We challenge inaccurate reporting directly with TransUnion, Equifax, and Experian.
Furnishers & Creditors
We enforce their responsibility under FCRA §1681s-2(b) to provide accurate, verifiable data.
Regulatory Standards & Compliance
We apply federal accuracy principles, Metro 2 guidelines, and reinvestigation requirements.
This system is designed to maximize accuracy corrections and ensure your credit file reflects complete, verifiable data across all parties.
Aggressive Full-File Accuracy Challenges
While many companies only dispute one or two items per round, our system reviews and challenges every inaccurate, outdated, unverifiable, or misleading item across your entire file each cycle.
We apply FCRA standards, Metro 2 accuracy checks, and documentation review to every negative account until it is:
• corrected,
• updated, or
• removed if found to be inaccurate or unverifiable.
This ensures consistent forward progress toward a cleaner, more accurate credit file.
Ideal Clients We Support
Our system is built for:
• homebuyers preparing for mortgage underwriting
• entrepreneurs needing clean personal credit for business funding
• consumers denied for credit cards, auto loans, or personal credit
• ITIN clients who need accurate, stable U.S. credit
• individuals impacted by inaccurate credit reporting
• anyone harmed by credit sweeps, templates, or risky dispute methods
• consumers frustrated by past credit repair companies who delivered no measurable results
• clients who want a real, law-driven system instead of “quick fixes”
Anyone serious about fixing, building, and leveraging their credit through compliance, evidence, and accuracy benefits from this system.
Compliance, Transparency & Client Protection
We provide:
• detailed updates every 30–35 days
• secure online communication
• transparent documentation of all actions taken
• clear expectations on timelines
• law-based methods with no shortcuts or false reporting
Every step is designed to improve accuracy while keeping you safe, compliant, and fully in control of your credit journey.
"Ready to Take the Next Step?" 😱
Check Out Our Testimonials!
MEET THE CEO:
Hilario huizar
Hilario Huizar is a visionary entrepreneur and credit expert with over 8 years of experience in the credit industry. As the founder and CEO of 700CreditScores.com and ITINCREDITUSA.com , Hilario has made it his mission to empower individuals and entrepreneurs to take control of their credit and use it as a tool to achieve their dreams.
Born and raised in Los Angeles, California, Hilario’s journey began with his own credit challenges. After discovering he had terrible credit, he committed himself to learning everything he could about credit repair and travel hacking. Over time, Hilario developed innovative strategies to not only repair credit but also leverage it for business funding, travel rewards, and financial freedom.
Since 2014, Hilario has helped hundreds of individuals rebuild their credit and unlock opportunities for success. He provides specialized tools, strategies, and financial resources designed to improve credit and teach mentees how to leverage it to create their dream life. His expertise extends beyond credit repair—Hilario is also passionate about showing clients how to maximize credit card rewards and travel benefits, turning great credit into a gateway to experiences like free flights and luxury accommodations.
With 700creditscores.com, Hilario revolutionized the credit repair industry, rejecting the status quo of slow and ineffective processes. His results-driven approach has changed countless lives by delivering rapid and meaningful outcomes.
Through ITINCREDITUSA.com, he expanded his mission globally, helping ITIN holders and international entrepreneurs build U.S. credit, establish businesses, and secure 0% business funding.
Hilario’s ultimate goal is to help people around the world take control of their credit and transform it into a tool for achieving financial independence, business growth, and the freedom to travel. By combining his expertise in credit repair and travel hacking, he continues to make a lasting impact on the lives of his clients.
For those looking to unlock the potential of their credit, Hilario Huizar is the trusted expert to guide them on their journey to success.
"Ready to Take the Next Step?" 😱
Discover how our proven system can help you navigate the U.S. credit system, build your financial future, and achieve your entrepreneurial dreams.
Don’t wait—your journey to success starts with a free consultation.
Apply For Our ITIN Program Today!
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Disclaimer:
Results may vary and testimonials are not claimed to represent typical results. We do not claim you will receive a 700 credit score, nor do we make a guarantee.
All testimonials are real. These results are meant as a showcase of the best of us credit building. Results we have done & should not be taken as average or typical results.
You should perform your own due diligence & use your own best judgment prior to making any investment decision pertaining to your credit.
By virtue of visiting this site or interacting with any portion of this site, you agree that you’re fully responsible for the investments you make & any outcomes that may result.