The Ultimate Credit Coaching Course Is Open For Enrollment!

Ready take back your credit?
Need expert assistance or support with difficult situations? Have you tried fixing your credit but feel like you failed? Your search ends here,
Rise, A Credit Building Coaching Course Is OPEN FOR ENROLLMENT!

Im exited to grant you access to my guided credit repair membership.  An-In-One solution to solving credit problems! Taking disputing off your hands & the guesswork out of fixing your credit, our program will transform into your all-in-one destination for resolving any remaining credit concerns.

No matter if you already have credit experience, or you are new to credit and want to learn how to get better credit, we are here for you!

As A Member Of Our Program, You Get Access To:

  • Credit & Personal Finance Coaching Course: 40+ Lessons! Have All My Knowledge At Your Fingertips & Learn At Your Own Pace! ($299 Value)
  • Dedicated Client Support Agent: Your Very Own World Class Customer Support Agent Assigned To You For Assistance, Whether You Send A Quick Text Or Set Up A Phone Call, Your Agent Is There To Help! ($249 Value)
  • Blue Print: The Game Plan Offers Strategies For Credit Improvement, Debt Repayment, & Money Management Knowledge! This GamePlan Helped Me & My Wife Get Over $150k In Credit Limits! ($99 Value)
  • Community: Connect With Me & Join Others In Our Exclusive Member Community! Ask Questions, Share Your Success & Encourage Each Other With Your Actions! ($149 Value)
  • BONUS #1 Free Customized Disputes: Need Help Fixing Your Credit? Active Members Benefits Include Free Credit Repair! We Create Custom Dispute Letters & Mail Them Out For You, Taking The Guesswork Out Of The Process! (Priceless!)
  • BONUS #2 Weekly MasterClass: Active Members Get Exclusive Group MasterClasses & Workshops With Ricardo & Our Team Via Zoom 3 Times Per Month! ($199 Value)
  • BONUS #3 Personal Finance Tools: My Library Of Personal Tools That Help Me Manage My Income/Expenses As Well As Tracking & Paying Off My Debt-Download Personal Finance Tools Such As A Simple Budget SpreadSheet & Debt Tracker To Help You Create A Winning Game Plan! ($199 Value)

Normally $1,194

Today's Price: $0!

Test Drive My Program For 7 Days Free, Then It's Just $97/Month, Cancel Any Time

Certified Credit Score Consultant

Ricardo Soto

Certified A-Rated Member Of The Credit Consultants Association 

Individuals Just Like You
Love Using Our Program

See For Yourself...


Frequently Asked Questions

 Is My Information Safe?
Yes! Security Is our top priority and our system has been built to make sure our members and subscribers are secure. Our system includes safety features such as TLS 1.2/1.3) Encryption w/Ciphers, 256-bit Advanced Encryption (AES), On-going Level 1 PCI Compliance, Fully Encrypted Data Format & 2-Factor Authentication
How Do You Provide Free Credit Repair?
We provide complimentary credit repair for our active members of The Financial ER enrolled in Rise, A Credit Building Journey coaching course. Active members must request credit repair & provide a credit report using SmartCredit in order to activate this feature. Please note that a trial member has access to our coaching course, our 40+ lessons of credit improvement strategies, basic personal finance budgeting & debt repayment strategies and access to download budgeting tools but a trial member is not considered an active member.
 When Will I See Improvements On My Credit?
Improvements come can come from different directions. If you are actively structuring to build your credit profile correctly, you may see improvement such as credit score increases or lines of credit increasing overtime. If a negative item is removed, you may see a credit score increase. But It Is Important to notice credit reports are updated once every thirty days. That said, something that might change today may not reflect until the next month.
How Long Does The Process Take?
Every ones credit situation is different. We've worked with people on their credit journey for as little as 4 months, and others as long as 2 years. We typically recommend to be involved for a period of 6 months to evaluate your progress & from there decide If you need to continue.
How Does Your Program Help Me?
Our focus is on 3 main points: Helping dispute errors or unverifiable accounts if credit repair is needed. Giving you techniques on how to properly build your credit using proven strategies of growth & introduce you to basic money managements skills such as creating simple budgets and debt repayment plans with the objective of reaching financial freedom.
What Can I Do To Help With The Process?
Our most successful students focus on building their credit using proven strategies of growth and developing positive financial habits. They are not dependent on "deleting their way to the 7 or 800 club". Our Course Rise, A Credit Building Journey teaches everything I did to get my credit to the point it's at today, as well as basic financial budgeting & debt repayment strategies. You will do your part by being involved in the course, consuming the information and applying the knowledge to the best of your abilities.
If I Have Questions, Is There Someone I Can Talk To?
Yes! We have a world class client support team who is dedicated to answer your questions during our business hours. Simply call, email or text.
Can All My Negative Items Be Deleted From My Credit So I Can Boost My Score?
Normally a negative item such as a collection, charge off or bankruptcy will be on a credit report for 7-10 years unless the item is deemed unverifiable by the credit reporting agencies (credit bureaus), contains an error that may trigger an FCRA or FDCPA violation or if there is a pay to delete agreement on file with the data furnisher (typically a collection agency). If a negative item does not meet requirements stated above, It will be listed on a report for 7-10 years.
If You Dispute Something For Me & It's Not Deleted Does It Reset The 7 Year Time Clock?
No, the 7 year time clock start from the day the original account was first marked late 30 days on your report. Disputing it does not reset the time clock.
If I Don't Like The Financial ER, How Do I Cancel?
Simply notify us via email to with the subject line "Cancel My Account". You will receive a confirmation email regarding account cancellation.  No need to talk to anyone!
If A Negative Item Gets Removed From My Credit, Do I Still Owe The Debt?
The removal of negative items from a credit report mean that the negative remark will no longer appear on the report it was removed from, however it does not mean that the debt is forgiven.
Will I Be Billed Automatically After The Free 7 Day Trial Period?
If the account has not been canceled or scheduled to cancel before the conclusion of the free trial period, the card on file will be charged. The charge will automatically be made exactly 7 days from the time the account was created.
When Can I Expect My Account To Be Billed For Access To My Coaching Course & All That Comes With It?
Our automated payment system collects payment for your subscription on the same day every month. For example, if your free trial period concluded on the 20th of February, then your monthly billing date becomes the 20th of every month.
Can You Help Me Manage My Money?
We are not financial advisors and cannot tell you what to do with your money or manage it in any sort of way (Investments or liquid accounts). Our students have found success at budgeting and creating debt repayment plan while listening to our very own journey and adapted some of the tools & strategies we use for our own personal finance management.
Are You Attorneys?
We are not attorneys and we do not give legal advice. We provide general knowledge & education from our very own experience with improving our personal credit. Always consult with an attorney or financial advisor for any legal or personal finance matters.

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