Credit Repair
Dispute inaccurate items, reduce what is dragging your score down, and move toward the approval you need.
Every month with bad credit costs you money
Find out what is really on your credit report.
Book a free consultation with Angelo Garay. He will walk through your report, show you what lenders see, and give you a price and a plan — all on one call.
Book Free Consultation
Free · No pressure · No commitment
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Outcome 01
See what lenders see on your report
Outcome 02
Get your real price in one call
Outcome 03
Walk away with a plan that fits
Repair, education, and strategy under one roof
Your credit problem has a fix. Here is how we find it.
Every file is different. Angelo matches you with the right service based on what is actually on your report and where you are trying to go.
See Which Service Fits YouCredit Education
Understand how credit actually works so you never end up back in this position after your file is clean.
Credit Consulting
Get someone in your corner. Ongoing strategy built around your goals, your timeline, and the decisions ahead.
What lenders see when they pull your report
These items are costing you approvals and better rates.
Every one of these signals risk to a lender. The longer they stay on your report, the more they cost you in denials, deposits, and higher interest.
Find Out What Is On Your Report01
Collections
Lenders see unresolved debt. One open collection account signals risk and stalls the approval process.
02
Charge-offs
A charge-off tells lenders the debt was written off as a loss. It weighs heavily on every credit decision.
03
Late payments
Payment history makes up 35% of your score. Even one 30-day late payment shifts how lenders evaluate you.
04
Repossessions
A repo signals inability to maintain secured debt. Lenders treat it as one of the strongest risk indicators.
05
Medical bills
Medical debt you never asked for still shows up as collections. It drags your file down the same as any other.
06
Bankruptcies
A bankruptcy stays on the report for 7 to 10 years. Navigating it requires a strategy, not just time.
5 years and 300+ clients in Phoenix, AZ
Angelo has seen your situation before. Hundreds of times.
Angelo Garay has spent over five years reading credit reports, building strategies, and helping people get from denied to approved. This is not a call center. You work directly with him.
Talk to Angelo DirectlyBuilt to get you to
Stop renting and buy your home
Built to get you to
Refinance and lower your payment
Built to get you to
Qualify without overpaying on rates
What you walk away with after one call
Stop wondering what is wrong with your credit.
Find out in one conversation.
Get Your Answers NowKnow exactly where you stand
Angelo walks through your report line by line. No guessing, no vague advice. You see what lenders see.
Get your price on the call
Your price is based on your actual report. No bait-and-switch. No surprise fees after you sign up.
Leave with a real plan
Not a sales pitch. A specific recommendation: which items to address first, what it costs, and how long it takes.
5+
Years repairing credit
300+
Clients served
Phoenix
Arizona based
From first call to action plan
Three steps. No runaround. You know where you stand before you hang up.
The consultation is free, takes about 15 to 30 minutes, and covers everything on your report.
Angelo tells you which items to address first, what the realistic timeline looks like, and what it will cost.
If you decide to move forward, your program is matched to the number and severity of the items on your file.
1
Pick a time and book
Choose a day that works, share a few details, and your free consultation is locked in. Takes under two minutes.
2
Angelo reviews your report
On the call, Angelo walks through every negative item on your file. You will know exactly what is holding you back.
3
Get your price and your plan
You leave with a specific recommendation, a price matched to your file, and the next step to move forward.
Honest pricing. No hidden fees.
Your price matches your file. You see it before you commit.
Programs range from $249 to $2,000 based on the number and severity of negative items. Angelo gives you your exact price on the consultation — no surprises after you sign up.
Get Your Exact Price01
1 to 5 negative items
Starting at $249
02
6 to 19 negative items
Starting at $579
03
20 to 30 negative items
Starting at $1,200
04
30+ items with repossessions
Starting at $1,600
05
40+ items with bankruptcy or liens
Starting at $2,000
How long it actually takes
Most clients see their first results within 90 days.
Every month you wait is another month of higher interest, bigger deposits, and missed opportunities. The sooner you start, the sooner your file starts working for you instead of against you.
Stop Waiting. Start NowFirst changes
30 to 90 days
Most clients start seeing inaccurate or unverifiable items removed or updated within this window.
Full process
3 to 6 months
Files with 20+ items or bankruptcies typically need the full timeline to work through.
What drives timing
Your file
Number of items, bureau response times, and dispute complexity all affect the pace.
Free credit guide
Learn the 5 things that control your credit score.
Angelo's guide covers how scores are calculated, what hurts them most, and what to focus on first. Read it before your consultation or use it to decide if you are ready to book.
Common questions before booking
Angelo answers the questions people ask most.
Pricing, timeline, what to expect on the call, and whether this is right for your situation.
Still Have Questions? Book a CallPrograms range from $249 for simple files (1 to 5 items) up to $2,000 for complex cases with bankruptcies or liens. Your exact price is determined on the consultation based on what is actually on your report.
Most clients see their first inaccurate or unverifiable items removed or updated within 30 to 90 days. Full timelines typically run 3 to 6 months depending on the number and type of items.
Collections, charge-offs, late payments, repossessions, medical bills, bankruptcies, tax liens, and judgments. If it is inaccurate, outdated, or unverifiable, it gets challenged.
Angelo reviews the negative items on your report, explains what lenders see, gives you a price based on your file, and walks you through the recommended next step. No pressure, no obligation.
Anyone who wants to buy a home, refinance, qualify for better rates, or stop getting denied. If negative items on your report are standing between you and an approval, this is for you.
Yes. Active SmartCredit monitoring ($30 per month) is required if you move forward with a program. It lets Angelo track changes to your file and submit disputes based on real-time data.
Angelo Garay has been repairing credit for over 5 years and has worked with 300+ clients. Tailor Your Credit is a registered business operating out of Phoenix, Arizona.
Yes. Under federal law (the Credit Repair Organizations Act), you have the right to cancel any service agreement within 3 business days of signing for any reason, with no penalty and a full refund. Beyond that window, you are never locked in — you can pause or stop at any time. A $79.99 reactivation fee applies if you restart after a pause due to missed payments.
That is exactly when most people reach out. A denial does not mean you are stuck. It means there are specific items on your report that need to be addressed before you apply again.
No one can legally guarantee specific credit outcomes. What Angelo guarantees is a thorough review of your file, honest pricing, and a strategy built around what is actually on your report.
