01
Credit report analysis
A full three-bureau review with a written summary of what's hurting your score and what we can do about it.
Error and inconsistency check
Score factor breakdown
Priority action list
Credit repair · Providence, RI
Fix the report.Rebuild the score.Open the door.
One-on-one credit repair for people who are ready for the next step — a car, an apartment, a first home — and tired of hearing no.
3bureaus reviewed
line by line
line by line
30days per
dispute round
dispute round
1person who
actually answers
actually answers
Everything your credit needs, in one place.
Whether your report is full of errors or just too thin, there's a clear path forward.
02
Dispute & removal
Targeted disputes for items that are inaccurate, outdated, or can't be verified by the reporting party.
Collections & charge-offs
Late payments
Hard inquiries & duplicates
Identity-theft items
03
Credit building & coaching
For thin files and rebuilders — a step-by-step plan to add positive history and get lender-ready.
Secured & starter credit guidance
Utilization strategy
Mortgage-readiness check
How it works
Four steps from "denied" to "approved."
- 1
Free consultation
We talk through your goals, timeline, and what's on your reports — no obligation.
- 2
Report review
All three bureaus, line by line. Anything inaccurate, outdated, or unverifiable is flagged.
- 3
Disputes & follow-up
Disputes go to the bureaus and creditors. I track every response and escalate what comes back.
- 4
Build & keep it
A simple plan for utilization, payments, and new credit so your score keeps climbing.
Week 1
Onboarding & analysis
We pull your reports, sign the agreement, and you receive a written breakdown of every negative item and its likely impact.
Weeks 2–6
First dispute round
Disputes go out to the bureaus and creditors. They have 30 days to investigate. Early deletions often show here.
Months 2–4
Escalation & rebuilding
Items that come back "verified" get a second, stronger round. Meanwhile we start adding positive history to your file.
Months 4–6
Ready for "yes"
Final review, a maintenance plan, and a clear picture of what you can now apply for with confidence.
Meet Emeliza
I've been where you are. I know the way out.
"Every 'no' I ever heard is the reason I answer when you call."
I believe credit is more than just a number. It can be the key to greater opportunities, financial freedom, and a fresh start.
I learned that the hard way. Before I ever helped anyone else with their credit, I was the one being told no — for a car, and later for a home — because of a report I didn't fully understand and had never read closely. Nobody sat me down and explained it to me. So I learned it myself: I pulled all three of my reports, found what was wrong, disputed it, and rebuilt slowly until the answers started turning into yes.
That experience is why Credit to Keys Solutions exists, and it's built on the belief that past financial challenges should not define your future. I work out of an office on Elmwood Avenue in Providence, and when you work with me, you get me — not a call center. I read your reports myself, explain what's actually on them in plain words, and tell you honestly what's realistic. Including when the honest answer is that you can handle it yourself.
Whether your goal is homeownership, greater financial freedom, or simply a fresh start, I'm here to guide you through it.
Your past does not define your financial future. Let's work toward what comes next.
Emeliza Lora · Founder & CEO
Credit score guide
Know where you stand.
Scores run from 300 to 850. Most conventional lenders look for the mid-600s and up; FHA programs can go lower.
300–579POOR
Approvals are rare; deposits and high rates are common.
580–669FAIR
Some approvals; FHA may be an option with a solid file.
670–739GOOD
Most doors open; rates start to improve meaningfully.
740–799VERY GOOD
Strong terms and easier approvals across the board.
800–850EXCEPTIONAL
Best rates and the widest choice of lenders.
35% Payment history30% Utilization15% Length of history10% Credit mix10% New credit
How I work
What you can count on.
You always know where you stand
I go through your reports with you in plain language, tell you what is realistic before you spend a dollar, and update you after every dispute round.
You work with me, not a call center
One person reads your file, writes your disputes, and answers your texts. You will never be handed off to someone who does not know your name.
No promises I cannot keep
No guaranteed scores, no scare tactics, no pressure. Just documented work on every item we can challenge and a plan you can actually follow.
Questions
Good to know before we start.
How long does credit repair take?
Bureaus have 30 days to respond to each dispute, so most clients see first results within 30-45 days. A full program typically runs 3-6 months.
Can you guarantee a score increase?
No, and by law no one can. What I can guarantee is honest, documented work on every inaccurate, outdated, or unverifiable item, plus a clear plan for building positive history.
Can't I do this myself?
Yes — you always have the right to dispute items with the bureaus for free. Many people hire me so someone who does this every day handles the letters, follow-ups, and strategy.
Will disputing hurt my score?
No. Filing a dispute does not lower your score. If an item is removed, your score usually improves; if it's verified, nothing changes.
Do I have to be in Rhode Island?
No. I'm based in Rhode Island and work with clients across the country by phone, text, email, and secure upload.
How does payment work?
Under federal law, credit repair companies can't charge before work is performed. You'll get a written agreement and a clear scope, and you can cancel within the legal window.
Free guide
The Credit to Keys Playbook
What actually moves a credit score and what doesn't, what good credit is worth in real dollars on a house, a car and a business, and the order I work through things with clients. Eleven pages. Put in your name and it lands in your inbox. No cost, and I won't chase you.
Let's talk · Free · About 45 minutes
Let's look at your reports together.
We'll pull all three of your credit reports and go through them with you — what's on them, what I'd challenge, and an honest answer about whether I can help. No cost, no card, and no obligation afterward. I'll reply within one business day.
- Call or text
- (401) 999-0691
- [email protected]
- @emelizalora