Take Control ofYour Credit, Your Debt —and YourFuture.
Renova Credit Co. is a bilingual financial education and credit services company. We teach you how credit really works, assist you in challenging inaccurate items on your report, and guide you through paying off debt and building the foundation for lasting wealth — with $0 upfront.
More Than Credit Repair. A Complete Financial Journey.
Credit restoration is one tool inside a bigger mission: teaching families how money, credit, and debt actually work — so the progress you make lasts a lifetime.
Financial Education
Learn how credit scoring, utilization, interest, and debt really work — in plain language, in English or Español. Understanding is the foundation everything else is built on.
Credit Restoration
We assist you in identifying and challenging inaccurate, outdated, or unverifiable items on your report — through a structured, CROA-compliant dispute process across all three bureaus.
Debt Payoff & Wealth Foundations
A personalized roadmap to pay off debt strategically — minimum payments always protected first — plus credit-building guidance that opens the door to homes, businesses, and generational wealth.
Bad credit doesn't just hurt your score. It shapes your entire life.
Loan denials. High interest rates. Rental applications rejected. The cycle can feel impossible to break — but you don't have to navigate it alone.
"I just want to qualify for a home. That's all I'm asking."
The story behind every client we serveDenied When It Matters Most
A home, a car, a business loan — denied because of items you may have the right to challenge.
Paying More Than You Should
High interest rates quietly cost you thousands. Improving your credit profile may open the door to better terms.
Feeling Stuck Without a Clear Path
No one taught us how credit and debt really work. We change that — with education, a clear plan, and step-by-step guidance so you can move forward for good.
Simple. Structured. Transparent.
Here's how the credit restoration side of your journey works — four clear steps, no surprises, no upfront costs. Education and guidance run alongside every one of them.
Enroll
Create your account at no cost. No payment required at sign-up. Your journey begins the moment you enroll.
File Review
We review your reports across all three bureaus to identify items potentially eligible for challenge.
Disputes Sent
Professionally prepared dispute correspondence submitted to credit bureaus targeting inaccurate items.
Billing Begins
Your first charge occurs approximately 7 days after active work begins, then monthly recurring.
Built for first-generation wealth-builders.
Credit wasn't something most of us were taught — at home, at school, or anywhere else. Renova exists to close that gap for our community: the families working hard in two languages, the first in their families to buy a home, start a business, or break a cycle. We don't just work on reports. We hand you the knowledge, so what you build stays built.
One Complete Package
Education, strategy, credit restoration, and debt payoff guidance in one complete program — $0 to start, and no charge until we begin working on your file.
- Personalized credit & money strategy tailored to your goals
- Dedicated bilingual advisor — ongoing guidance & support
- Financial education — learn how credit really works, in English or Español
- Debt payoff roadmap — minimum payments always protected first
- Credit file review — all 3 bureaus (Equifax, Experian, TransUnion)
- Professionally prepared dispute letters & correspondence
- SmartCredit monitoring — just $1/month add-on
- Credit-building product recommendations
- Voice note & direct messaging access
- Priority updates every 30–45 days
- Client portal access — track progress anytime
Not sure if this is the right fit for you? We'll answer all your questions before you decide — no pressure, no obligation.
Schedule a Free Consultation* Results may vary. No specific outcome is guaranteed. You have the right to dispute information on your credit report at no cost directly with the credit bureaus.
What We Help You Challenge
We assist clients in identifying and challenging items that may be inaccurate, outdated, or unverifiable under federal consumer protection law.
No Surprises. Ever.
We believe transparency is the foundation of trust. Here's exactly how billing works.
Real People. Real Results.
"I didn't just get help with my credit — Renova taught me how it actually works. For the first time in my life I have a real plan, and I understand every step of it."
"El equipo de Renova me explicó todo en español. Sentí que alguien realmente entendía mi situación y me ayudó paso a paso."
"Transparent billing, clear communication, and no surprises. I always knew exactly where my file stood. Renova felt like a partner, not just a service."
* Individual results may vary. Testimonials represent client experiences and do not guarantee similar outcomes.
Credit isn't just a number — it's your life opening up.
When your credit improves, doors open. Better rates on mortgages and auto loans. Rental approvals. Business funding. The ability to say yes to opportunities that used to say no to you.
Built on a Foundation of Integrity
Compliance-First
Every process, letter, and communication is built around CROA, FTC, and FCRA compliance. We do things the right way.
Full Transparency
No hidden billing. No vague timelines. You know exactly what's happening with your file at every stage.
Secure Systems
Your personal and financial information is protected with modern encryption and strict data privacy practices.
Structured Process
A proven, organized approach from file review to dispute submission — designed to give your challenges the best possible foundation.
Knowledge Is the Real Asset.
Education isn't an upsell here — it's the mission. Start with the fundamentals below, free, no signup required.
How Credit Scores Actually Work
Your score is built from five ingredients: payment history (the biggest), how much of your available credit you use, the age of your accounts, your mix of account types, and new inquiries. Paying on time and keeping card balances low relative to limits move the needle more than anything else.
Debt Payoff, Done Right
Rule one: minimum payments on every account come first, always — a missed minimum damages your credit and can trigger penalty rates. From there, extra money goes to either your smallest balance (for momentum) or your highest interest rate (for math). Both work; consistency is what wins.
Building Credit From Zero
No credit history isn't a life sentence. Secured cards, credit-builder accounts, and becoming an authorized user on a trusted family member's account all create positive history. Small, on-time, consistent — that's how a profile is born, in any language.
Want it explained for your situation, in English or Español? Every free consultation includes real education — whether or not you ever become a client.
Frequently Asked Questions
You pay $0 at enrollment. Your first charge occurs approximately 7 days after active work begins on your file. After that, billing is monthly on a 30-day cycle — no hidden fees, no long-term contracts.
Under the Credit Repair Organizations Act (CROA), you have the right to cancel your contract without penalty within 3 business days of signing your service agreement. This is a federally protected right.
Yes. You have the right to dispute inaccurate information directly with the credit bureaus at no cost. Renova's services are an option, not a requirement. We provide professional assistance and guidance for those who want expert help.
Late payments, collections, charge-offs, repossessions, medical collections, hard inquiries, incorrect balances, duplicate accounts, and identity-related errors. We do not remove accurate and verifiable information.
SmartCredit is a real-time credit monitoring service available with your Premier Legacy plan for just $1/month. It tracks your credit activity across all three bureaus — and Spanish-speaking clients can use the same platform fully in Español through SmartCredito.
Both — and education comes first. Every client learns how credit scoring, utilization, and debt actually work, so the progress you make lasts long after our work together ends. Dispute assistance is one tool inside a bigger financial education program.
Yes. Your advisor helps you build a debt payoff roadmap based on your real budget — always protecting minimum payments first, since missed minimums hurt your credit and can trigger penalty rates. From there, we help you choose a strategy to eliminate balances and keep them gone.
Existing clients access their portal at renovacreditco.scorexer.com. Your portal shows file status, dispute progress, and credit monitoring updates in real time.
¡Sí! All client interactions — from onboarding to advisor support — are available in both English and Spanish.
Call or text us at 754-225-2060, email [email protected], or click "Have Questions?" anywhere on this page to book a free consultation — no obligation, no pressure.
What We Do — and What We Don't
We are not a quick fix. We are a professional, education-forward credit assistance service that operates within the law and with your long-term interests in mind.
No Guaranteed Outcomes
We cannot guarantee specific results, credit score changes, or item removals. Results vary based on individual credit history and bureau responses.
Education & Dispute Assistance
Our service provides education about your consumer rights and assists in the dispute process — not legal advice or legal representation.
Your Rights Are Protected
You have the right to dispute items on your credit report for free directly with credit bureaus. Our services are an option, not a requirement.
We're Here to Answer
Every Question
Whether you're ready to start or just want to understand your options — our team is here to walk you through everything before you make any decisions.
Not ready yet? That's okay.
Schedule a free consultation. We'll take the time to understand your situation, answer every question, and explain your options — with absolutely no pressure to sign up.
Book My Free ConsultationFree · No obligation · Available in English & Español
Important Disclosures
3-Day Cancellation Right
You have the right to cancel your contract without penalty or obligation within 3 business days of signing your service agreement.
Free DIY Option
You have the right to dispute inaccurate information directly with credit bureaus at no cost. Credit repair services are not required by law.
No Legal Advice
Renova Credit Co. is not a law firm and does not provide legal advice or representation. Our services are educational and dispute-assistance in nature.
You don't have to
stay stuck.
Take the first step toward understanding your credit and exercising your rights — at no cost to start.
Charged only after work begins · Call or text: 754-225-2060