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Credit Cleanup Built for Scale & Approval
At MonteCarrero Holdings, we don’t chase credit scores.
We clean credit files the way lenders, underwriters, and funding partners expect them to be cleaned — strategically, compliantly, and in stages.
This service exists to remove friction between you and approval.
Not credit repair. Credit compliance.
We help individuals and investors clean up inaccurate, outdated, and improperly reported credit items using a structured, FCRA-compliant process — with one goal: positioning you for funding and approval.
Mortgage-Ready Credit Cleanup
Credit Positioning for Funding
Mortgage-Ready Credit Cleanup
A structured cleanup process designed to remove inaccurate collections, challenge improper reporting, and prepare your credit file for underwriting review.
Compliance-Based Disputes
Credit Positioning for Funding
Mortgage-Ready Credit Cleanup
Every dispute is intentional. No mass disputes. No shortcuts. We challenge only what is legally removable and improperly reported.
Credit Positioning for Funding
Credit Positioning for Funding
Credit Positioning for Funding
Whether you’re preparing for FHA, conventional, or investor financing, we align cleanup efforts with real lending guidelines.
WHAT WE HANDLE
- Collection disputes & debt validation
- Duplicate and re-aged account challenges
- FCRA compliance escalations
- Late-payment goodwill requests (when appropriate)
- CFPB complaints for non-compliance
- Mortgage-readiness review
This is not DIY credit repair.
This is structured credit cleanup with a purpose.
👉 Schedule a Strategy Call
PACKAGES
60-Day Credit Cleanup
90-Day Mortgage-Ready Cleanup (Most Popular)
90-Day Mortgage-Ready Cleanup (Most Popular)
$499 setup + $99/month (2 months)
Designed for lighter collection issues.
Includes:
- Collection disputes (Round 1)
- FCRA escalation (Round 2 if needed)
- Debt-validation letters
- Progress tracking
90-Day Mortgage-Ready Cleanup (Most Popular)
90-Day Mortgage-Ready Cleanup (Most Popular)
90-Day Mortgage-Ready Cleanup (Most Popular)
$499 setup + $129/month (3 months)
Built for buyers preparing for FHA or conventional loans.
Includes:
- Everything in the 60-Day plan
- Installment late challenges
- Goodwill requests to major lenders
- CFPB escalation when warranted
- Mortgage-readiness review
Fast-Track 90-Day Cleanup
90-Day Mortgage-Ready Cleanup (Most Popular)
Fast-Track 90-Day Cleanup
$999 flat
For time-sensitive approvals.
Includes:
- Aggressive staged cleanup
- Direct collector pressure
- Priority handling
- Weekly tracking
- Approval-focused strategy
⚠️ No score guarantees. Results depend on reporting accuracy and creditor compliance.