Estuardo
Melendez.

• B.S. Finance — Florida Atlantic University
• M.S. Artificial Intelligence — graduate work focused on the machine-learning models used by the three major credit bureaus to compute FICO Score 8
• Working reference on FCRA (Fair Credit Reporting Act, 15 U.S.C. § 1681), CROA (Credit Repair Organizations Act, 15 U.S.C. § 1679), and FDCPA (Fair Debt Collection Practices Act)
• Reads FICO Score 8 / 9 / VantageScore 3 / VantageScore 4 model inputs

• 3+ years operating as a credit strategy consultant in South Florida
• 200+ client files worked to completion across all three bureaus (Experian, Equifax, TransUnion)
• 26 active partnerships with exotic car dealerships, powersport dealers, and independent financing agencies driving referral volume
• Files closed for auto approvals, mortgage qualification, business capital, personal loans, and credit card acquisition
• Average client score increase across completed files: +150 pts

• Marcus W. R. — Experian FICO 487 → 749 (+262 pts) · 60 days · utilization 149% → 17% · all 6 late accounts cleared
• Angel R. — Experian FICO 560 → 771 (+211 pts) · 18 days · utilization 162% → 0% · all 7 late accounts cleared
• Donald M. — Experian FICO 600 → 703 (+103 pts) · 16 days · all 3 collections cleared
• Bobby H. (active) — 28 of 35 items cleared across three bureaus · $128K addressed · Equifax +119 pts
• Laurentiu T. — 21 of 29 inquiries cleared · Experian +117, Equifax +107, TransUnion +116

Full case files with actual Experian pulls on the real results page.

• Every dispute is hand-drafted based on the specific inaccuracy or statutory violation in the file. No template letters.
• Strategy is built around the credit product the client is trying to qualify for — auto approval, mortgage, business capital — not a generic score target
• Monthly progress reports itemized across all three bureaus, delivered to the client every cycle
• Direct communication — client speaks with the specialist assigned to their file, not a queue or ticket system
• Optimization phase after derogatory items clear: utilization guidance, account-mix strategy, new-credit timing to push the score to its ceiling