Welcome to Crédito by Kiara
CREDIT REPAIR & FINANCIAL GUIDANCE, DONE RIGHT.
Iâm Kiara, founder of CrĂ©dito by Kiara.
I help individuals and families improve, repair, and rebuild their credit so they can move forward with confidence and clarity.
No shortcuts. No false promises.
Just honest guidance and a clear path forward.
WHAT I DO
Thoughtful Credit Repair, Built on Accuracy.
I work with clients who want their credit handled the right way legally, strategically, and with care.
I help address:
Inaccurate or unverifiable items
Collections / Charge-offs
Late payments
Repossessions / Student Loans
Errors negatively impacting your score
By law, your credit report must be accurate, complete, and verifiable.
My role is to help you challenge what doesnât meet that standard â strategically and legally.
What Working Together Looks Like
Step 1: Credit Analysis
We review your full 3-bureau credit report to identify errors, risks, and opportunities.
Step 2: Strategy & Action Plan
You receive a customized plan built around your goals, whether thatâs:
Buying a home.
Getting approved for a vehicle.
Preparing for future funding.
Improving overall financial health.
Step 3: Disputes Sent
Disputes are sent to credit bureaus, creditors, and collection agencies on your behalf.
Results typically begin within 30â45 days, depending on the situation.
Step 4: Updates & Ongoing Guidance
Monthly progress reviews, updates, and education so you know whatâs happening and how to protect your score moving forward.
Client participation and consistency are required for the best results.
RESULTS & EXPECTATIONS
Every credit profile is different.
Timelines and outcomes cannot be guaranteed, and anyone who promises that is not being realistic or compliant.
What is possible:
Real improvement with the right strategy, consistency, and guidance â all done under federal law using accurate, verifiable information.
Real clients. Real progress. Real results.
Bilingual Support Available. (English/Spanish)
PRICING OVERVIEW
Whatâs Included in All Plans
Credit analysis & personalized strategy.
Disputes with all three credit bureaus.
Monthly progress reviews.
Credit-building guidance & education.
Score protection best practices.
Choose Your Plan
The Individual Experience
One-time setup fee: $149
Monthly membership: $99/month
Designed for individuals focused on strengthening their personal credit.
The Partner Experience
One-time setup fee: $249
Monthly membership: $169/month
Designed for couples or spouses working toward shared financial and credit goals.
Couples that have joint credit cards or joint repossessions.
Two credit profiles managed together.
Every plan is customized â no templates, no shortcuts.
The goal is long-term credit health, clarity, and confidence.
READY TO GET STARTED?
If youâre serious about improving your credit the right way, the first step is a conversation.
Client Support & Consumer Credit Service
Book Your Free Consultation Today