My name is Carlos Cruz.
I have been in the credit and collections business since 1982.
My credit and collections career began in the State of Texas, and then, moved on to the State of Florida… (Good Times – Good Times)… until I moved back to The Great State Of Texas.
During my credit and collections career, I supervised and managed collection departments as small as 3 collection agents, and as large as 30 collection agents, and have been responsible for collection portfolios in excess of one hundred million dollars.
My Teams and I have been responsible for the service and the recovery of:
- delinquent major credit cards
- past due medical accounts
- broken apartment lease contracts
- auto repossessions
- auto deficiencies
- bail bond defaults
- tertiary accounts
- and many other forms of personal and commercial bad debt.
Along with my beautiful wife, Betty, we co-owned and operated our own credit and collections agency in The Great State of Texas for 2 years, before a tragic fire engulfed our office, and then, we decided to take a break from the debt collection business.
I am so grateful to have experienced such a long and prosperous career and I have truly enjoyed every minute of my work.
Today, as I take a look out at the credit landscape, it is difficult to not take notice of the many ‘credit repair companies’ and the many ‘credit repair gurus’ on the internet, all pitching their ‘credit repair secrets’.
Hey, look, we all gotta make a buck, I get it, but what bothers me is that much of the credit repair information that is being put out there, can actually do more-harm-than-good to an individual’s personal creditworthiness.
I would like to make three critical points:
- First, you must KNOW that Credit Repair Companies cannot do anything that you cannot do on your own.
- Second, you must be aware that YOU are personally responsible for what your credit report says about YOU.
- Third, YOU are in complete control of Your Creditor, the Debt Collector, the Credit Repair Process, and most important, Your Personal Credit Report and Your Personal Credit Score.
Do-It-Yourself Credit Repair can be scary at times, but I must say, if you take the time to familiarize yourself with the credit and consumer laws, then you might discover that there is nothing to fear.
In other words,
YOU are a consumer, and as a consumer you have LEGAL RIGHTS, and you should LEARN your legal rights, and then, you should ASSERT your legal rights… UNDER LAW.
The information on my website is FREE, so I encourage you to dive right in and get started on your personal credit repair journey.
YOUR PERSONAL TIME is extremely valuable, so I do my best to get right to the point without leaving out any pertinent information.
I encourage you to invest your personal time in learning the credit laws that protect you as a consumer because you never know when an opportunity will reveal itself, and you want to be well prepared when you are out-in-the-real-market actually applying for and using your personal credit.
It has been said many times before and it is so very true:
Bad Things Happen to Good People
My goal is to help as many Good People to improve their credit.
‘Good People’… who are willing to take on the challenge of personal credit repair, so that they may be able to use GOOD CREDIT to their own personal advantage, and be ready for the many positive opportunities that are available ONLY to Good People with Good Credit.
In this spirit, we offer CreditUpDIY, a FREE TOOL that can help you in your credit repair journey and raising your credit score. Click Here To Learn More.
In addition, the FREE Ultimate Credit Repair Guide walks you through the Do-It-Yourself Credit Repair Process. It is designed for anyone who is willing to learn how to fix their own personal credit.
CONNECT WITH US and discover how Your Good Credit can be a positive force, not only in your personal life, but also in your professional and business career.
If you’re ready… Let’s go to work.