Personal and business credit · Spanish-speaking service
We help you understand your credit situation, identify areas that need attention and learn the next steps based on your personal or business goals.
Personal and business
It relates to your history as a consumer: accounts, payments, balances and other information reported about you.
It relates to your business's credit history and information. Depending on the product, the owners' finances and credit may also be evaluated.
Having an LLC or an EIN does not automatically create a credit history or guarantee access to financing.
Personal credit
If you are not sure how to read your report or want to prepare before applying for credit, ask about the scope of our service.
Understand the accounts, balances, payment history and inquiries that appear.
Identify information that may be incorrect, incomplete or that you do not recognize.
Learn how payment behavior, balances and other factors can affect your credit situation.
Review your goals and the areas worth addressing before considering new applications.
The scope is confirmed before you hire the service. We do not guarantee specific score changes or credit decisions.
Possible errors
An unknown account, an incorrect balance or a payment reported in error needs to be reviewed. We explain the options available to address possible errors according to the service you hire.
Disputes must be based on information you believe is incorrect or incomplete. We do not guarantee the removal of accurate negative information.
You can dispute errors directly with the credit reporting companies and with those who provided the information, without hiring a service.
Credit and bankruptcy
If debt is affecting your peace of mind or you have already been through a bankruptcy, tell us about your situation. We can guide you on our report review service and the next steps to rebuild your credit profile.
Before deciding, you need to understand its consequences and the alternatives that apply to your situation. The legal evaluation and the filing of a bankruptcy must be handled with an attorney.
Ask about our service to understand how it appears on your report, identify possible errors and organize the next steps for your credit.
Taxes Positivos does not provide legal representation or file bankruptcy cases. Credit guidance is not a substitute for advice from an attorney.
Business credit
If you want to establish or strengthen your company's credit, we first need to understand how it operates, what history it has and what its goals are.
We review what credit and financial information you have available about the business.
We identify differences in your business information that may need attention.
We review whether you have the records and documents that credit providers may request.
We define the actions included in the service based on your company's stage.
Building business credit depends on the business's actual activity, the products used, payments and the information reported. Not all accounts report to the same bureaus.
Financing
If you need capital for your business, we can review which guidance or referral service is available and what documents you need to get started.
Tell us what you need the funds for and what amount you are considering.
Prepare the financial and business documents the provider requests.
Before accepting, review costs, payments, term, collateral and any other obligations.
The credit decision belongs to the institution that evaluates the application. Requirements may include a review of your personal credit and personal guarantees.
Learn about our business funding and access to business credit service
Process
1. You tell us your goal
Let us know whether you are looking for personal or business guidance, or information about financing.
2. You learn the scope
We explain who provides the service, what it includes, its terms and its cost.
3. You share the necessary information
We tell you which channel to use and any specific authorizations that may be required.
4. You receive the next steps
You learn the findings and the actions included in your engagement.
The follow-up and duration of the service are detailed before we begin.
Initial information
What your goal is.
Whether you have recent reports.
What situation you want to review.
Whether you have an upcoming or pending application.
Business activity and how long it has operated.
State where it operates.
Whether it already uses credit products.
Availability of financial records.
Goal you want to reach.
To protect your information, do not send full reports, Social Security numbers, ID documents, passwords or banking information through the public form or WhatsApp.
Trust
Before you begin, learn who will assist you, what work the service includes and what its limits are. We want you to understand the proposed steps and the terms of any product you consider.
Services and costs explained before you hire.
No promises of scores, amounts or credit decisions.
Specific channels and authorizations to review or share documents.
Frequently asked questions
No. Results depend on the information reported, the scoring models and the changes in your history.
No. We can review possible errors within the scope you hire, but we do not guarantee the removal of accurate negative information.
Yes. You can do it directly with the credit reporting companies and those who provided the information.
Not necessarily. It depends on the product and the provider's requirements.
No. Providers may evaluate history, income, ability to pay and other requirements.
The initial contact should not trigger a credit inquiry. Before any review or application that requires one, we will explain the process and ask for the corresponding authorization.
No. Decisions and terms depend on the institution that evaluates the application.
It depends on the service and the scope. We will inform you of the terms and fees before you hire.
No. Our service focuses on credit guidance. To evaluate or file a bankruptcy, you need to consult an attorney.
We do not guarantee the removal of a correctly reported bankruptcy. We can review possible errors within the scope you hire.
You can work on rebuilding your history. The steps and results depend on your situation; we do not guarantee scores or timelines.
Guidance
Schedule a 15-minute informational call to tell us your goal and learn which service fits.
It does not include a full report analysis, preparation of disputes or financing applications.
Form
Leave us your details and the appropriate team will contact you to explain the service and the next steps.
Learn about our business funding and access to business credit service.
See business funding and access to credit
