Helping PEOPLE & Businesses Grow

We provide solutions to business owners and individuals to ignite growth!

Excel your life to the next level!

We Provide All Credit Repair

Services With Reputation.

Credit Repair

We help you improve you credit score by reviewing you credit reports, disputing errors and inaccuracies, negotiating with creditors, developing a customized plan, and providing regular updates on your progress. This process involves identifying issues, working with you to create a plan, and providing ongoing support to help you establish responsible credit habits and achieve your financial goals.

Credit Audit

A credit audit involves analyzing your credit report, reviewing credit utilization and history, identifying opportunities for improvement, developing a customized plan, and providing ongoing support. By conducting a thorough analysis and identifying areas for improvement, a credit audit can help you take control of their credit and achieve their financial goals.

Frequent Ask Question's

What is Credit Repair?

Credit repair is actually the process of removing inaccurate, unfounded, out of date, false, and erroneous information from your credit report. Your credit reports dictates your credit score. The 3 major credit bureaus collect information from lenders, creditors and debt collectors and apply it to your credit report. Based on that information. Your credit scores is determined. This information could included the balance on loan or credit cards, credit inquires, debt to income ratio, and most importantly, credit utilization(the percentage of deb you have to available credit)

Is credit repair legal?

Yes, credit repair is legal & we use the law in your favor. That law is called “The fair credit reporting act”. The FCRA gives you the right to dispute any item on your credit report. if that item can not be verified within a reasonable time (usually 30 days).It must be removed. Studies have shown that 79% of credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that they are not errors, or creditor or furnisher is often is unable to find the records or signed documents within the allocated time and the item gets removed. sometimes the furnisher will say it has been verified by not offer proof. it is our job to prepare documents that challenge this and we are very skilled at that.

Can you remove anything from my credit report’s?

We can only fight to remove any item that fall under the guidelines of the FCRA. These are items that should be removed due to being inaccurate, unfounded, out of date, false and/or erroneous.

Where are you located?

We are located at 4040 Broadway Street, Ste, 240 San Antonio, Texas 78209

ABOUT ME

With over 13 years of sales experience, I bring a wealth of knowledge and expertise to the table. I possess a deep understanding of customer needs and preferences, allowing me to tailor solutions that deliver exceptional results. Through effective communication and relationship building, I have fostered long-term partnerships with clients, earning their trust and loyalty. My passion for sales, coupled with my strong negotiation and problem-solving skills, enables me to thrive in dynamic and competitive environments. I am committed to delivering outstanding customer satisfaction and contributing to the success of any organization I work with.

With 6 years at Lifetime Fitness, I excel in client relationship management and retention.
With 4 years as an oil field supervisor, I excel in leadership and operational management. I ensure efficiency, safety, and adherence to regulations. Skilled in team supervision, resource allocation, and strategic planning. Composed problem-solver experienced in high-pressure situations. Committed to operational excellence and maintaining safety standards in the oil field industry.
With 3 years in insurance sales at USAA, I excel in providing exceptional insurance solutions. Deep understanding of products and regulations. Skilled in building rapport, guiding clients, and exceeding sales targets. Dedicated to outstanding customer service and tailored insurance solutions.

Five years ago, my own credit repair journey sparked a deep passion for credit and financial literacy. I now empower individuals by sharing knowledge and tools for improving credit scores, managing debt, and achieving financial freedom. Committed to making a positive impact on people's financial lives and unlocking greater opportunities for their future.

As a family man of two, my daughter and soon-to-be wife are my motivation to strive for success and create a bright future. I prioritize their happiness and well-being, working hard to provide a loving and supportive environment. They drive my dedication and pursuit of a fulfilling life through financial stability, personal growth, and a nurturing home.

About Excel Lifestyle Management…

Excel Your Life To The Next level

We have been in operation for over 2 years.
We have an amazing disputing team and customer service team that always get the job done.
Our team consist of my self, my assistant supervisor, a factual disputer, and customer service team
My assistant supervisor coordinates with me on client updates and overseas my factual disputer.
My factual disputer will be taking direction from me and how to attack clients credit profiles and produce the dispute letters.
My responsibilities consist of meeting with and onboarding clients, revising dispute letters and mailing them. I also provide continuous education on credit and financial literacy for all clients.
Follow up with clients frequently and keep them updated on their credit profiles.

LIST OF SERVICES

Credit Repair.
Personal / Business Credit Building
Personal/Business Funding
Start Up and Structure a New Business
How to use consumer laws to your Advantage
Tradeline Options
Manufacture Spending
Liquidating Credit Cards
How to build a strong relationship with the banks

We provide optional price packages to choose from if you do not need all the services. Schedule a call for more information.

LIST OF SERVICES

Credit Repair.
Personal / Business Credit Building
Personal/Business Funding
Start Up and Structure a New Business
How to use consumer laws to your Advantage
Tradeline Options
Manufacture Spending
Liquidating Credit Cards
How to build a strong relationship with the banks

We provide optional price packages to choose from if you do not need all the services. Schedule a call for more information.

We give them a free credit analysis that shows a full diagnostic on their entire credit profile.

Once onboarding is complete, we pull their report from MyScoreIQ and start working on their dispute letters

After letters are sent off, we then wait 30-35 days to get any kind of results or responses from the Bureaus (FCRA Law

Requirements for Investigation).

Finally, when we hit the 35-day mark, we will pull their reports and see if there are any updates or deletions. Depending on how many items we removed on the first round of the credit sweep, will determine how many rounds of disputes will go out next.