Frequently Asked Questions

You book a time that works for you using our online calendar. On the call, we'll review your credit situation together, identify the biggest issues affecting your score, and outline a personalized strategy. The call is completely free, there's no obligation, and it's available in English or Spanish. You'll leave with clarity on where you stand and what steps to take next — whether you work with us or not.

Ideally, have your credit reports from all 3 bureaus (Equifax, Experian, and TransUnion) pulled before our call. You can get them for free at AnnualCreditReport.com. If you don't have them yet, that's okay — we'll walk you through it. Also helpful: knowing your approximate credit scores and having a list of any specific goals (buying a home, getting a car, etc.).

¡Sí! We are fully bilingual. All consultations, coaching sessions, documents, and materials are available in both English and Spanish. We believe language should never be a barrier to financial empowerment. Just let us know your preference when you book.

We offer affordable monthly plans tailored to your situation. During your free consultation, we'll review your credit and recommend the best option. We follow all CROA and TSR guidelines, which means no upfront fees before work is performed. No hidden fees, no long-term contracts, and full transparency from day one. We'll explain our pricing structure clearly before you make any commitment.

Most clients see their first deletions or updates within 30–45 days of the first dispute round. Full credit restoration typically takes 3–6 months depending on the complexity of your file — how many negative items you have, whether they're with bureaus or furnishers, and how responsive the creditors are. We provide branded monthly progress reports so you always know exactly where you stand.

Absolutely. Credit repair is your legal right under the Fair Credit Reporting Act (FCRA), the Credit Repair Organizations Act (CROA), and Texas state law. You have the right to dispute inaccurate, incomplete, or unverifiable information on your credit report. We operate in full compliance with all federal and state regulations, including the Telemarketing Sales Rule (TSR) and the Texas Finance Code. She Rises Financial Solutions is registered and bonded in the State of Texas.

We challenge any item on your credit report that is inaccurate, incomplete, unverifiable, or being reported in violation of the FCRA. This includes collections, charge-offs, late payments, repossessions, medical debt, student loan errors, identity theft items, duplicates, incorrect balances, and outdated accounts. We've successfully helped clients remove items that other companies said were impossible — including repossessions and high-balance collections.

Most credit repair companies use template letters and a conveyor-belt process. We don't. Every dispute we file is customized to your specific file using FCRA, FDCPA, and Metro-2 compliance strategies. We also go beyond bureau-level disputes — we intervene directly with furnishers, which most companies won't do. On top of that, I'm a Licensed Master Social Worker, Board Certified Credit Consultant, and Certified Financial Social Worker — I bring clinical expertise and financial strategy to every case. Plus, everything is available in English and Spanish.

No. Under the Credit Repair Organizations Act (CROA) and the Telemarketing Sales Rule (TSR), credit repair companies cannot charge fees before the promised services are fully performed. We follow these laws strictly. Your free consultation is truly free, and we'll explain all pricing transparently before you commit to anything.

Yes. You have the right to cancel within 3 business days of signing your service agreement, as required by CROA. After that, you may cancel at any time by providing written notice. There are no long-term contracts or cancellation fees. We want you here because you want to be here — not because you're locked in.

Credit repair is the hands-on work — analyzing your reports, filing disputes, writing letters, intervening with furnishers, and monitoring results. Credit coaching is the education side — teaching you how credit scoring works, how to build credit, how to manage utilization, and how to maintain your results long-term so you never need credit repair again. Most of our clients get both, because fixing your credit without understanding it means you'll end up right back where you started.

Yes! We offer the She Rises Credit Academy on Skool — a monthly membership that includes our full GlowUpOS Method curriculum, dispute letter templates, credit building strategies, and community support. It's designed for people who want to learn the system and take a more hands-on approach to their credit journey. Join the She Rises Credit Academy on Skool → or message us on Instagram @creditmelinda for details on current enrollment.

That's exactly who we're here for. Most of our clients come to us feeling overwhelmed and confused — and that's not their fault. Nobody teaches this stuff in school. We meet you where you are, explain everything in plain language (no financial jargon), and walk you through every step. Whether you're starting from zero knowledge or you've been trying to figure it out on your own, we'll make sure you understand what's happening and why.

I'm the founder of She Rises Financial Solutions — a Licensed Master Social Worker (LMSW), Board Certified Credit Consultant (BCCC), and Certified Financial Social Worker (CFSW). I built this company because I've lived the struggle myself. As a single mom in South Texas, I rebuilt my own credit from the ground up and now I help other working parents do the same. I combine clinical expertise with real-world financial strategy, and I'm bilingual in English and Spanish. I'm direct, I tell it like it is, and I genuinely care about every client's outcome.

Yes. She Rises Financial Solutions LLC is registered and bonded in the State of Texas. Melinda Garcia holds active licenses and certifications including LMSW (Licensed Master Social Worker), BCCC (Board Certified Credit Consultant), and CFSW (Certified Financial Social Worker). We operate in full compliance with CROA, TSR, FCRA, FDCPA, and the Texas Finance Code.

Our credit repair and coaching services are available to clients throughout the United States. Credit bureaus and federal consumer protection laws (FCRA, FDCPA, CROA) apply nationally. All consultations are conducted virtually, so location is not a barrier. Our company is registered and bonded in Texas, which is where we're based.

The easiest way is to book your free credit strategy call. On the call, we'll review your situation, answer your questions, and outline a plan. You can also DM us on Instagram or TikTok at @creditmelinda, or reach out via our website. We respond to every message — usually the same day.