2009
Leaves Lansing, Michigan, knowing he can't expect a different life from the same environment.
Where you start is given. Where you finish is chosen.
Angelo Garay is the credit consultant behind Tailor Your Credit. He grew up in Lansing, Michigan, founded the company in 2021, and has worked with 1,000+ clients across the US since. He has read thousands of credit reports, and every plan he builds starts with the same question: what are you trying to get approved for?
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From Lansing to 1,000+ clients nationwide.
Angelo left Lansing in 2009. He did not know exactly where he was going. He just knew he could not keep expecting a different life from the same environment. That idea still runs the business: your report is your starting point, not your destination.
A friend from Michigan brought him into credit, and on July 14, 2021, his birthday, he started Tailor Your Credit. In the beginning, he says, it was about the money. That changed fast. Watching clients buy their first home, drive off in the car they were turned down for, or finally get a better rate made it about the goal.
Five years later, most new clients come from referrals. Angelo works remotely with clients across the US, partners with mortgage lenders who send him borrowers to get ready, and still writes down his own goals every year. In March 2026 he closed on his own home.
2021
A friend from Michigan brings him into credit. He founds Tailor Your Credit on July 14, his birthday.
2026
Five years in business, 1,000+ clients, most of the growth from referrals. He closes on his own home in March.
How Angelo works with every client.
Attach the score to a goal
A better number is not the point. The house, the car, the business, a lower rate: every plan starts with what you are trying to get approved for.
Show you everything first
The free call comes with a written audit of your report: your scores, every account, every negative item, and what a low score is costing you.
Be straight about the work
Realistic timelines, every price up front, and a clear line between what Angelo's team does and what you do.
Use credit as leverage
Good credit is about options. Knowing how to use it can keep more of your cash working while you build toward the next goal.
“There's no feeling like being able to give a client the ability of purchasing their first home, getting their car, getting better interest rates. It's about helping people truly obtain their goal.”
Tell Angelo what you're working toward.
One free call. He reads your report, walks you through it, and tells you the plan that gets you there.