Leandro G.

Hi, I’m Leo Gonzalez, founder and CEO of Miami Credit Repair. I have worked in the credit and financial services industry since 2006, when I began my career as a loan originator with a Miami-based mortgage brokerage. Many of the borrowers I worked with needed help understanding and improving their credit before they could qualify for financing, so I began assisting them with credit report reviews and credit improvement strategies. The referrals that followed eventually led me to launch my first credit repair company, Maxcredit LLC, and later Miami Credit Repair. Today, I bring nearly two decades of hands-on experience working with consumer credit reports, dispute strategies, creditor communication, and credit education. ### How I Can Help I provide personalized credit repair and credit consulting services based on each client's individual credit profile. My services can include: • Three-bureau credit report analysis • Identification of inaccurate, incomplete, outdated, or questionable information • Credit bureau dispute preparation • Creditor and collection account dispute strategies • Collection and charge-off review • Late payment review and goodwill strategies • Repossession and foreclosure account review • Bankruptcy-related credit report review • Inquiry review • Identity theft and fraudulent account review • Customized dispute letters • Creditor correspondence • Credit rebuilding strategies • Credit education and ongoing consulting ### My Approach Every credit profile is different. I do not believe in using the same generic dispute strategy for every client. I review the complete credit report, identify the areas that require attention, and develop a strategy based on the client's specific circumstances. When appropriate, this may involve disputes with Equifax, Experian, and TransUnion, direct creditor correspondence, follow-up disputes, documentation requests, goodwill letters, or other consumer credit strategies. All services are focused on challenging information that may be inaccurate, incomplete, unverifiable, outdated, or otherwise appropriate for review under applicable consumer credit laws and regulations. ### Why Work With Me? **Nearly 20 Years of Experience** I have worked with consumer credit since 2006 and understand how credit reports, scoring factors, collection accounts, charge-offs, late payments, and other negative information can affect a consumer's financial profile. **Personalized Strategy** Your credit report is reviewed individually. I develop the strategy around your specific accounts rather than relying entirely on automated or generic dispute templates. **Three-Bureau Experience** I regularly work with reports from Equifax, Experian, and TransUnion and understand the differences in how information may appear across each bureau. **Clear Communication** I explain what I find, what can realistically be challenged, and what steps may help strengthen your overall credit profile. **Credit Education** Credit repair is only part of the process. I also help clients better understand utilization, payment history, account age, credit mix, inquiries, and other factors that may influence their credit. ### How the Process Works **1. Credit Report Review** I review your available three-bureau credit reports and identify negative accounts, discrepancies, reporting issues, and opportunities for improvement. **2. Credit Analysis** I evaluate the information being reported by each bureau and determine which items may require additional investigation or action. **3. Customized Action Plan** You receive a strategy based on your individual report rather than a one-size-fits-all approach. **4. Dispute and Correspondence Preparation** When appropriate, I prepare dispute letters, creditor correspondence, goodwill requests, or other documentation related to the identified accounts. **5. Follow-Up and Updates** Credit repair often requires multiple rounds of review. I can analyze updated reports, compare changes, and determine appropriate next steps. ### Upwork Pricing I am offering special pricing to clients who hire me through Upwork. This gives you access to the same professional experience and credit analysis I provide through my credit repair business while taking advantage of introductory Upwork rates. ### Important Note Credit reporting situations vary from person to person. No legitimate credit professional can guarantee a specific credit score increase or guarantee that accurate information will be removed. My role is to carefully analyze your credit profile, identify legitimate opportunities for correction or improvement, and help you take the appropriate steps toward building a stronger credit profile. If you need help understanding your credit reports, preparing disputes, reviewing negative accounts, or developing a personalized credit improvement strategy, send me a message. I’ll be happy to review your situation and explain how I can help.