Credit repair · Business funding
Bilingual credit repair and business funding guidance. We review your credit reports with you, dispute what's inaccurate, and help you build credit that lenders trust.
English & Español
Every conversation, document and update in your language.
FCRA-based disputes
Challenges grounded in your rights under the Fair Credit Reporting Act.
Encrypted & private
Your documents and SSN are encrypted and seen only by our team.
Free consultation
A full review of your reports before you commit to anything.
Why it matters
Your credit report affects your mortgage rate, car loan, insurance premiums and even whether you can rent an apartment. Errors are common — wrong balances, accounts that aren't yours, late payments reported incorrectly — and the Fair Credit Reporting Act gives you the right to challenge them.
Top Class Credit helps people understand their reports, dispute information that is inaccurate, incomplete or unverifiable with Equifax, Experian and TransUnion, and build healthier credit habits for the long run.
We work in English and Spanish, and we're used to helping first-time credit builders and ITIN holders. Atendemos en español.
What we review
What accuracy can do
Inaccurate late payments, wrong balances and accounts that aren't yours can hold a score down for years. When errors are corrected and strong habits take hold, the difference can be significant — every credit profile is different, so we'll show you what's realistic for yours.
Illustration only — not a prediction or guarantee. Results depend on your individual credit report, and accurate, timely negative information cannot be removed.
How it works
We review your Equifax, Experian and TransUnion reports with you, line by line, in English or Spanish — and tell you honestly what we see.
Before any work begins you receive the required disclosures and a clear written agreement, with three business days to cancel at no cost.
We challenge items that appear inaccurate, incomplete or unverifiable, and track every bureau's legal response deadline.
Follow each round as it happens, and get coaching on utilization, payment timing and account mix so your progress lasts.
Leadership
Personal, bilingual service from the people who lead the firm.
Founder & Owner
Ilvana Trujillo founded Top Class Credit to give families and business owners a trustworthy place to understand and improve their credit. She has seen firsthand how a damaged credit report can block access to homes, cars and business capital — and how much changes when someone finally understands their report and their rights.
Partner
Veronica Valle is a partner at Top Class Credit. She works alongside Ilvana to guide clients through each stage of their case — from the first consultation and document checklist to reviewing bureau responses — so every client knows where things stand and what comes next.
Good to know
Lenders mostly use FICO® scores, and they're built from five things. Knowing the weights shows where your effort pays off fastest.
Paying on time, every time. A single payment 30+ days late can weigh on your score for years.
How much of your credit limits you use. Keeping card balances under 30% — ideally under 10% — helps quickly.
The age of your oldest account and the average age of all of them. Think twice before closing old cards.
Several applications in a short time can lower your score. Space them out when you can.
Handling different kinds of credit, like cards and installment loans, shows lenders you can manage both.
Weights are FICO's general guidelines; the exact impact depends on your full credit profile.
Client reviews
Real reviews only
We publish genuine reviews from real clients — never invented testimonials. Verified Google reviews will appear here.
Questions
It depends on what's in your reports. By law, credit bureaus generally have 30 days to investigate a dispute, and many cases take several rounds. We'll give you a realistic picture at your consultation — we don't promise timelines or results.
Pricing depends on your situation, and we explain it in writing before you sign anything.
We dispute collections, late payments and other items that are inaccurate, incomplete or unverifiable. If a bureau can't verify an item, it must correct or delete it. Accurate, timely negative information can't legally be removed by anyone.
Yes. Disputing inaccurate information is your right under the Fair Credit Reporting Act, and credit repair companies are regulated by the Credit Repair Organizations Act.
It depends on the loan program and lender. Many conventional loans look for scores around 620 or higher, and some FHA programs accept lower scores. A lender can tell you what applies to you.
Yes. Everything we do — consultations, documents, your client portal and messages — is available in English and Spanish.
Yes. We work with many ITIN holders who are building or repairing U.S. credit history.
Filing a dispute does not by itself lower your score. How your score changes depends on what the bureaus do with the disputed items and on your overall credit activity.
Turn your credit into capital
Book a free consultation. We'll review your reports with you, explain what we see, and tell you honestly how we can help — no pressure and no commitment.
