Understand your credit and work toward a stronger profile
Improving your credit starts with understanding what is actually on your reports.
Alemay Business reviews your credit profile, explains what appears on your reports, helps identify possible inconsistencies and works with you on an action plan. When appropriate, we may help prepare documentation or communications related to legitimate disputes. Certain personal verifications, calls or consumer actions must be completed directly by the consumer, with our guidance. When a matter requires authority or a professional outside Alemay’s direct scope, we coordinate the appropriate professional or partner.
Some issues may involve inaccurate or incomplete information. Others simply reflect legitimate negative history or habits that need time and consistent management.
Service in English and Spanish from our Miami office, with in-person and virtual consultations available when appropriate.
At a glance
- Service
- Personal credit analysis, education and strategy.
- Who it's for
- People who want to better understand and manage their credit profile.
- How we work
- In person in Miami and virtually when appropriate, in English and Spanish.
- Getting started
- Schedule a consultation or reach out to us on WhatsApp.
What's holding your credit back?
These are common situations among the people who come to us in Miami and South Florida to review their credit reports.
- You are not sure why your score went down
- Your credit card balances are high
- Late payments are showing on your history
- You have accounts in collections
- There are accounts you do not recognize
- Balances or credit limits look incorrect
- There are inquiries you need to review
- You have few accounts or a limited credit history
- You closed accounts and do not know how that affected you
- You have applied for credit several times in a row
- You want to review your profile before applying for financing
- You simply do not know where to start
No two credit profiles have the same issue. That is why the first step is understanding your situation before deciding which actions make sense.
Your credit score is only part of the story
A credit review should not stop at a single number. A score summarizes information from your credit profile, but the details in your reports provide the context: which accounts appear, how they are reported and how they relate to one another.
Depending on the information available, the analysis can cover the following.
- Open accounts and their current status
- Reported payment history
- Balances reported by each creditor
- Available credit limits
- Revolving credit utilization
- Age of the accounts
- Accounts in collections
- Closed accounts and how they are reported
- Inquiries appearing on the report
- Personal identifying information as reported
- Possible inconsistencies or errors
- The overall structure of the profile
- Factors that may influence the score under the model being used
Scoring models can vary, and different creditors may use different scores or criteria. Alemay Business does not control how a financial institution calculates your score or how it evaluates an application.
A credit strategy should start with clear expectations
We believe in being clear from the start about what we can help with and what we cannot promise. That clarity is part of the service.
What we can help with
Depending on your case and the information available:
- Help you understand what your credit reports actually say
- Identify information that deserves a closer review
- Spot possible inconsistencies between what is reported and your documentation
- Help you organize priorities based on your situation
- Explain the factors that may be affecting your profile
- Work with you on a strategy for how you use credit going forward
- Follow up with you as changes appear on the reports
- Help prepare documentation or communications related to legitimate disputes of information that may be inaccurate or incomplete, when appropriate
- Guide you through any personal verifications, calls or consumer actions that must be completed directly with the credit bureaus or furnishers
- Coordinate the appropriate professional or partner when a matter requires authority or expertise outside Alemay’s direct scope
What we do not promise
No one can responsibly commit to any of the following:
- Removing accurate information simply because it is negative
- Increasing your score by a specific number of points
- Reaching a specific credit score
- Guaranteeing approval for any financial product
- Guaranteeing the deletion of accounts from your report
- Guaranteeing results by a specific date
Negative doesn't automatically mean inaccurate
An item can hurt your credit and still be reported correctly. That distinction is essential when deciding what to do next.
Negative information reported accurately
Accurate negative information generally cannot be removed simply because it is negative. When the information is being reported correctly, the focus shifts to managing the rest of the profile and making informed decisions going forward.
Information that may be inaccurate or incomplete
Data you believe is incorrect, incomplete, duplicated, not yours or otherwise inconsistent. There may be grounds to review it and determine whether a legitimate dispute is warranted.
You have the right to dispute information you believe is inaccurate or incomplete directly with the credit bureaus and the companies furnishing that information, at no cost. A dispute triggers a review process; it does not guarantee that information will be changed or removed.
Our process
A structured process based on your starting point and your goals. Timing varies depending on the circumstances of each case.
Profile review
We go over your situation, your goals and the credit information available.
Analysis
We identify the factors that need attention, the priorities and any possible inconsistencies in what is being reported.
Action plan
Together we define the steps that make sense in your case: education, organization, managing utilization and, when appropriate, help preparing documentation or communications related to legitimate disputes. Certain personal verifications, calls or consumer actions must be completed directly by you, with our guidance.
Follow-up
We review changes and new information, and adjust the next steps when that becomes necessary.
Information we may need
This is a general reference — what is actually needed depends on your case and on what you want to review.
- Valid identification
- Any credit report you already have available
- Information on the accounts you want to review
- Letters or correspondence you have received
- Details about accounts you do not recognize
- Statements, when they are relevant
- Documents related to possible inconsistencies
- Context on any recent credit applications
- Your main goal for your credit
Never send sensitive information through unauthorized channels. During the process we will let you know the appropriate way to provide the documents that are needed.
Not everything is solved with a dispute
Improving how you manage your credit often involves more than correcting possible reporting errors. Day-to-day credit habits can also play an important role, so these are some of the areas we may review with you.
- Balances reported on your revolving accounts
- Utilization relative to your available limits
- Making payments on time
- How often you apply for new credit
- The age of your credit history
- Managing your existing accounts responsibly
In many cases, working toward a stronger credit profile involves addressing possible reporting errors while making more deliberate decisions about how credit is used. There is no single action that guarantees a particular credit outcome, so each step should be considered in the context of your situation.
Your strategy should have a goal
Working on credit without a concrete goal makes it hard to prioritize. Knowing where you are headed lets us decide which steps make sense first.
Alemay Business does not guarantee that a financial institution will approve an application: that decision always belongs to the creditor.
- Organize your credit profile
- Build history when it is still limited
- Prepare before applying for financing
- Understand why you were declined
- Review negative information appearing on your reports
- Get better control of your credit card utilization
- Regain stability after financial difficulties
- Prepare for a future goal, such as a car or a home
Why Alemay Business?
Analysis before recommendations
We start by reviewing the information available on your profile, and only then talk about which steps make sense in your case.
Clear explanations
We explain what appears on your report and what it means, without unnecessary jargon and without creating unrealistic expectations.
Personalized attention
Every credit profile is different, so the work is defined around your individual situation and your goals.
Credit education
Our goal is for you to understand how your credit works, so you can make more informed decisions on your own.
Bilingual service
We work in English and Spanish, so nothing gets lost along the way.
Miami office
9380 SW 72 ST, Suite 230B, Miami, FL 33173. Virtual consultations are also available when appropriate.
Connected to your other services
Your credit goals may overlap with financing, tax or business credit needs, and Alemay Business can help coordinate those related services when appropriate.
Digital access through Ale app
Ale app gives you a simple way to explore services, access helpful resources, schedule appointments and stay connected from your phone.
A real team behind your credit review
Your credit report is reviewed by real people who explain what they see and answer your questions in English or Spanish, with in-person service available at our Miami office.
Stay connected with Alemay through Ale app
Ale app is the digital platform of Alemay Business. From your phone, you can explore our services, access helpful resources, schedule appointments and stay connected with us. It does not replace your credit review — it simply gives you a convenient way to connect with Alemay Business.
Frequently Asked Questions
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View serviceWorking on your credit profile does not guarantee approval for a loan or any other financial product: each institution applies its own evaluation criteria.
Ready to understand what's affecting your credit?
Schedule a consultation and let's review your credit profile, your goals and the next steps that may make sense for your situation.
Credit outcomes vary from profile to profile. Alemay Business does not guarantee score increases, the removal of information that is reported accurately, or approval for any financial product. Consumers may dispute information they believe is inaccurate directly and at no cost with the credit bureaus and furnishers. This page is informational and does not constitute individualized legal or financial advice, nor does it replace the contracts, disclosures or other documents that may apply to the service.
Alemay Business · 9380 SW 72 ST, Suite 230B, Miami, FL 33173 · 305-300-2346 · business@alemaybusiness.com · Fax 305-402-0706