FFC Lending · Fernandez Financial Capital
Clean Up Your Credit.
Open Every Door.
Work one-on-one with FFC's credit advisory team. Negative items on your report get disputed the right way — and you only pay for the items that actually come off.
Pay on Removal
No Removal, No Charge
Better credit means better rates and more approvals — on a home, a truck, an investment property, or business capital. That's why FFC has a credit advisor on the team.
📂
Collections
Disputed and worked item by item across all three bureaus — the core of most credit cleanups.
🧾
Charge-Offs
Flat, transparent pricing per item, quoted in writing before any work begins.
🔍
Hard Inquiries
Unrecognized or unauthorized inquiries are disputed at no charge.
📅
Late Payments
The outcome rests with the creditor — we'll tell you honestly when paying or settling the account is the smarter move.
📊
High Utilization
A practical plan to bring balances down the way the scoring models actually reward.
🤝
Straight Answers
Accurate, current debts and bankruptcies can't simply be erased — we'll never sell you on an item we can't work.
How It Works
1
Free Consultation
Call or text us. Tell us your goals — no obligation.
2
3-Bureau Review
Enroll in a third-party credit monitoring service (small monthly fee, cancel anytime) so all three reports are on the table.
3
Dispute Plan
An item-by-item plan with clear written pricing before anything starts.
4
Track Results
Items are worked bureau by bureau — you only pay for what comes off.
What Progress Can Look Like
TransUnion
525Current score
582Potential score
▲ 57
Experian
557Current score
608Potential score
▲ 51
Equifax
567Current score
599Potential score
▲ 32
Illustrative example from a credit-monitoring report — not a promise or a guarantee. Every credit profile is different, and results vary.
Credit Repair Is for You If…
▸Collections or charge-offs are dragging your score down
▸You've been denied — or quoted painful rates
▸You're planning to buy a home, truck, or investment property
▸There are inquiries on your report you don't recognize
▸Your balances are high and your score won't move
▸You want a real plan, not promises
Get a Free Credit Review
Tell us a bit about yourself — a credit advisor will call or text you back, usually within one business day. No obligation.
FFC Lending / Fernandez Financial Capital · NMLS #2896990 (NMLS licensure covers mortgage lending only)
Credit advisory services are separate from FFC's lending business, are optional, and are never a condition of any loan application or approval. Results vary by client and credit profile; no specific score increase, removal outcome, or timeline can be guaranteed. Accurate, verifiable, and timely information cannot be removed from a credit report. You have the right to dispute information on your credit report yourself, directly with the credit bureaus, at no cost. All services, pricing, and your cancellation rights are set out in a written agreement provided before any work begins, and no fee is charged for an item unless that item is removed.