Rise Above Your Score
and Rewrite Your Future.
Leverage expert legal strategies to delete inaccurate items, boost your score, and qualify for the life you deserve.
Christian Garcia & Anthony Garcia
At Pronto Credit, our mission is simple: to help individuals and couples overcome the burden of bad credit and unlock the financial opportunities they deserve.
We don't just work to remove negative items; we strive to educate our clients on how to build and maintain a strong credit profile for the long term. We believe everyone deserves a second chance at financial freedom, and we provide the exact blueprint to get you there.
"Good credit isn't a luxury — it's the foundation of financial freedom. Our goal is to give you the tools and strategies to reclaim your financial power."
Christian Garcia
Founder and Lead Credit Specialist
Anthony Garcia
Senior Credit Specialist
What We Can Remove
Our legal team utilizes specialized frameworks to challenge and delete these damaging items.
Receipts speak louder
Real transformations, real results. See how we've helped our clients rebuild their financial future.
Trusted by 25,000+ clients to restore their credit
Certified Credit Repair Specialists
100% Legal & Board Certified
We don't rely on generic dispute letters. Our team holds official Board Certifications in Consumer Credit Law, FCRA/FDCPA Audit Frameworks, and FICO® Credit Score Restoration.
Certified Credit Consultant (CCC)
Official credential validating advanced mastery of Fair Credit Reporting Act (FCRA) laws, 3-Bureau legal audit procedures, and consumer rights litigation frameworks.
Credit Score & Debt Settlement Specialist
Accredited specialization in FICO® score recalculation algorithms, legal debt validation, creditor negotiation, and rapid tradeline credit rebuilding strategies.
100% Legal & Certified Operations
Every dispute filed adheres strictly to 2026 Federal & State Consumer Law.
Your Roadmap To 750+
A transparent, step-by-step process with no guesswork.
Smart Audit
We pull your reports and identify every error using our proprietary software.
Strategy
Our legal team drafts custom challenges based on the latest 2026 laws.
Execution
We send certified letters to all 3 bureaus and manage all responses.
Elevation
Items are deleted, your score jumps, and you qualify for lower rates.
Transparent Pricing.
No
Hidden Fees.
Choose the Done-For-You program that best fits your credit profile and goals. All programs include our 100% legal dispute strategy and dedicated support.
Silver Program
Best for Autos | Goal: 700s
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Duration: 6 to 12 Months
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Optional Add-On: Court Settlement available for an additional $399
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All negative items challenged
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100% Legal Dispute Framework
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Dedicated Credit Support
Gold Program
Best for House | Goal: 750s
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Duration: 12 to 18 Months
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Optional Add-On: 1 Credit Card Tradelines available for an additional $399
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Comprehensive Dispute Strategy
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2 Credit Card Tradelines Add-On ($699)
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Priority Expedited Support
Platinum Program
Best for Business | Goal: 800s
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Duration: 18 to 24 Months
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Optional Add-On: 2 Credit Card Tradelines available for an additional $699
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Business & Personal Credit Suite
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1-on-1 VIP Strategy Sessions
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Dedicated Credit Support
Tradelines & Court Settlement Options
Targeted standalone solutions designed to accelerate your credit profile enhancement.
Why We're The Best
We don't just send templates. We use the law to win.
Client Reviews
Real Google reviews from our clients in McAllen & Brownsville.
You Might Be Thinking...
Common Questions
Everything you need to know about our credit repair process.
Every credit profile is different. Some clients see results in as little as 30–45 days, while others with more complex files may take 3–6 months. We focus on long-term, permanent results.
No legitimate credit repair company can guarantee a specific score. However, we do guarantee that we will aggressively challenge every inaccurate, unverifiable, and outdated item on your report using proven legal strategies.
We successfully challenge collections, charge-offs, late payments, medical bills, repossessions, hard inquiries, and even bankruptcies if they contain errors or cannot be verified by the bureaus.
Yes, active credit monitoring is required throughout the program so we can track changes, see updates from the bureaus, and adjust our strategy accordingly.