Understand your credit. Correct inaccuracies. Move forward with a plan.
We review your credit reports with you, identify information that may be inaccurate or unverifiable, and guide you through the dispute, organization, and follow-up process.
- Bilingual service
- Personalized review
- Organized follow-up
What do you want to achieve?
Solutions to understand, correct, and strengthen your credit.
Not everything negative is an error. Let's start by identifying the difference.
Information that might require review
- Accounts you don't recognize
- Incorrect balances
- Incorrect dates
- Payments reported incorrectly
- Duplicated accounts
- Information belonging to someone else
- Incorrect personal data
- Information that may be outdated
- Accounts that need additional verification
Information that cannot be promised to be removed
- Correctly reported negative accounts
- Correctly reported late payments
- Valid, verifiable debts
- Correctly reported bankruptcies
- Other legally reportable information
Negative information that is correct and verifiable cannot be legitimately removed just because it hurts your score.
Three reports. A more complete picture.
Information can vary between bureaus. Reviewing more than one report can help you better understand what is being reported and where a difference might exist.
Normas Family is not affiliated with Equifax, Experian, or TransUnion.
A better plan starts with understanding how your credit works.
Payment history
The record of whether you've paid your accounts on time — one of the most reviewed factors in your history.
Credit utilization
How much of your available limit you’re using across your cards and credit lines.
Length of credit history
How long you’ve had your accounts open.
New applications
How many times you've applied for credit recently.
Credit mix
The variety of credit types you have — cards, loans, mortgages, among others.
Reports vs. scores
Your report contains the information; your score is a calculation based on that information.
Bureau responses
How bureaus investigate and respond to a dispute.
Sustainable financial habits
Practices that, over time, help maintain a healthier credit history.
How we work your case.
We learn about your situation
We talk about your reports, concerns, and the goal you want to reach.
We review and document
We identify information that may require clarification, correction, or verification.
We build your plan
We define priorities, educational actions, and applicable disputes.
We follow up
We organize responses and updates to help you understand your progress.
Your report tells a story. Let’s start by understanding it.
Request an initial evaluation to talk about your concerns, identify your goals, and learn about the next steps available for your situation.
Clear answers before you begin.
If your question isn't here, talk to our team and we'll review your situation.
Talk to an advisorOur commitment to transparency
- Normas Family is not a credit bureau.
- Normas Family is not affiliated with Equifax, Experian, or TransUnion.
- Normas Family does not lend money.
- Normas Family does not guarantee approval of credit, loans, or rental applications.
- Normas Family does not guarantee specific credit score increases.
- Normas Family does not guarantee the removal of correct, verifiable information.
- Results and timelines depend on each individual file and on responses from bureaus, creditors, and information providers.
- You have the right to dispute information directly with credit bureaus, at no cost.
Regain clarity about your credit and take the next step with a plan.
Talk to a Normas Family advisor to start an initial review of your credit situation.
Bilingual service