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Help Center



1- I accepted the initial fee for a personal credit repair, what are the next steps?


Once you have paid the initial fee, our Latino specialist (latinCredits) will review the application on the platform and follow the following steps:

  1. Review your credit report results in detail

    • You can expect to receive emails and requests by mail after agreeing to remove visits or information that appears on your credit that is not accurate. You can email us with any request to

    • We will then take some time to check with our platform provider and spend some time monitoring the accuracy of your request.

  2. After all the details have been verified, you should go back to your account and wait for the results to appear immediately, including;

    • An increase in your credit score, new credit card offers in your email, postal mail, and / or new loan offers on your application.

  3. Keep an eye on your account, we recommend that you explore all the services that our platform providers offer you at the moment your credit score goes as it should based on the ongoing repair process. It usually takes 3-7 weeks, but we prefer to work diligently with you to speed up the entire process. The exact date depends on your ability to do exactly what Taylor designed to fix your credit when you start your application.


Once you have received our recommendations on the platform, registering the provider for a monthly service to monitor their ongoing repair process will give you more space to eliminate inaccuracies and create a perfect setting to request a personal or corporate service. "



2- How long does it take to fix my personal credit after completing the entire process online?


We are constantly proving to be better than the usual platform provider market. Our problem-solving support is better than the average consumer, who typically completes the credit repair process in about 3-6 months, but we assure you it will be less if your reports only have a few errors to correct.


3-Does your platform provider fix account balances, collection accounts, bankruptcies and / or late payments?


Yes, we do it electronically at the platform provider and you can request assistance in case you don't understand the whole process. Typically, throughout the entire process, you are either contesting an error on your credit report yourself or need help understanding how to begin the entire process.


Collection accounts: Only the original creditor can inform you 30, 60, 90 or even 120 days late. The collection agency should limit itself to reporting information such as: Date the collection account was opened. The original amount is owed along with the current balance and whether the account has been paid or not paid.


  • Is it better to pay the creditor or the collection agency?

It is much better to deal with creditors than with debt collectors. Whatever the purpose of the overdue debt - doctor bills, credit card payments, car loan - the creditor can still see you as a potential repeat customer. The only interest of a debt collector is to get money from you.

  • Why should you never pay a collection agency?


If you pay the collection agency directly, the debt is removed from your credit report in six years from the date of payment. If you do not pay, you are purged six years from the date of the last activity, but you may risk having your wages garnished.

Late payments: Late payments​​ they can stay on your credit reports for up to seven years. If you find a late payment on your credit reports that shouldn't be there, you can file a dispute and ask the appropriate creditor or credit bureau to remove the inaccurate information.

  • What happens after 7 years without paying debts?


Although debts still exist after seven years, having them disappear from your credit report can be beneficial to your credit score. Keep in mind that only negative information disappears from your credit report after seven years. Positive open accounts will remain on your credit report indefinitely.


  • What is a 609 letter?


A 609 letter is a method of requesting the removal of negative information (even if it is accurate) from your credit report, thanks to the legal specifications of section 609 of the Fair Credit Reporting Act.

  • Can Credit Repair Eliminate Bankruptcies?


People who have needed to remove a bankruptcy from their credit reports have found success working with a credit repair service provider. There are too many and latinCredits, having a complete understanding of your Latino needs, you will find the most suitable agency to do so. If other questionable negatives are affecting your credit report and score, we can also help you challenge them.


4- I have not heard from you yet, how long does it take to obtain my credit with a better score?


Once we have verified your information, please contact us to begin fixing your credit and starting to fix your credit process. You can contact us and one of our team members will evaluate your application and create a Latin customer experience to give you the support you need. . back to the credit highway. Our typical response time is between 48 and 72 hours to initiate the contact process and provide further assistance.


5- How can I get more services regarding credit repair services?


We are the only credit repair company that understands the Latino community and for that reason we are here to help you be a better applicant, credit repair companies often promise to improve your credit, for a fee. In our case, we will make that initial fee worth every penny in terms of results that only Latinos know how to do. We offer more than just credit repair services because we believe you are looking to enter an economy where credit is just the initial step in conquering any new ideas.


The LatinCredits platform provider offers an extra effort and not just the typical offer to review your credit reports and address any negative elements that they may with the credit reporting agencies on your behalf. LatinCredits will provide the entire Latino community with real offers from our exclusive providers to obtain a loan for personal or corporate reasons.




1-How is the application for a business loan different from a personal loan?


Business loan applications can take weeks or months to process, while when you apply for a personal loan, you can get approval and financing in a matter of days only with LatinCredits. Personal loan providers generally do not require collateral to be presented, while business loan providers generally have collateral requirements.


  • Personal loans: A personal business loan can be an option when other forms of business financing don't work. A personal loan is money borrowed from a bank, credit union, or online lender that can be used for a variety of purposes, including financing a business. latinCredits will work closely with the market that sells your idea and relies on your credit to get the best possible option in the loan market.

    • Can you use a personal loan to start a business?

The short answer is yes, you can use a personal loan for business needs. ... While personal loans can generally be used for any legitimate reason, including business financing, you need to consider the conditions they might have. The most important is that your name, not your business name, is attached to the loan.


  • Commercial and / or Corporate Loans: At latinCredits we are at the height of the professionals who understand the difference to help obtain a Commercial Loan as a line of credit or regular commercial loan to cover the main commercial needs and corporate loans more sophisticated than any other regular business loan. The main examples of corporate loans compared to any other commercial loan are loans that facilitate the export-import business or as it is called “trade-financing”.


2- How long does it take to receive a firm offer from a lender?


How long does it take to get pre-approved for a mortgage? Getting your pre-approval letter can take anywhere from a few days to a few weeks. On average, it usually takes less than 10 days. If you have everything in order and your credit is good, you can get it in 1 or 2 days.


LatinCredits will work diligently to expedite your application and get help in the financial market to resolve your closing needs or expedite the entire approval process.


3-How long does the loan process take?


We are latinCredits created a cutting edge platform provider to help you get a decision right away. Online banks / lenders process loans much faster; Credit unions take as long as the bank to approve personal loans; What you need when you need it.


4- What information does Latin Credits need to process my first loan?


In today's world, everything is online and LatinCredits tries to make it very simple for the Latino community. We will request to submit a very initial form as soon as you contact us to start the process. Typically, initial forms have the following request for information:

  1. Repair your credit: credit score and credit history. A good credit score and credit history show lenders that you pay your credit obligations on time.

  2. Income: initial verification is a must.

  3. Monthly Debt Payments - Actual Spending Status Based on Your Income.

  4. Assets and liabilities: Basic information is needed to verify and confirm later with your tax return.

  5. Employer Contact Information - Basic information for your employer or an initial verification if you are self-employed.


5-How does the loan process work?


Loans are processed in a very meticulous way, but we, LatinCredits, using our platform-provider, create an automation for document classification, data location, extraction and validation. Each loan goes the same way and receives the same time to go through the whole process quickly and easily.


6-Who offers the loan based on my application?


The LatinCredits platform provider is connected with each loan officer-lender provider to help you complete a loan prequalification application and then submit the application along with the required documents to an underwriter. The insurer will return with a decision on your application.


The LatinCredits platform provider will have as many lenders as possible that understand the Latino community. A lender pre-qualifies you for a loan, they just take a quick look at your financial situation. Then, they throw away a number that they might be willing to loan you and you will receive the offer directly from them. Everything is a very simple and straightforward system to get your loan process and hopefully get approved.


The lenders used an underwriter, who will approve or reject your home loan application based on your credit history, work history, assets, debts, and other factors. It is about whether that insurer feels it can repay the loan you want. During this stage of the loan process, many common problems can arise and then you have LatinCredits to guide you through the entire process.

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