Credit Repair and Business Credit in Miami

 

Free consultation: we review your credit with you and explain your options, in English or Spanish. Book online or call (305) 316-1857.

 

How we help

A better credit score can mean lower interest rates and easier approval for a car, a home or business financing. We help you understand your credit reports, dispute errors and build healthy credit habits, step by step.

 

Services

• Review of your Equifax, Experian and TransUnion credit reports

• Disputes of inaccurate, outdated or duplicate items

• A personal plan to lower card balances and pay on time

• Guidance on secured cards and credit-builder accounts

• Business credit setup: EIN, business bank account and vendor accounts

• Preparation for a mortgage, auto loan or business loan

 

Who is it for?

• People with errors or old collections on their credit report

• Newcomers building credit in the U.S. for the first time

• Families preparing to buy a home or a car

• Business owners who want credit separate from their personal credit

 

How it works

1. Book a free consultation and download your free credit reports.

2. We review them with you and point out errors and priorities.

3. We prepare the disputes and a plan you can follow month by month.

4. We follow up on results and adjust the plan.

 

What to bring

• Photo ID

• Social Security number or ITIN

• Recent credit reports, if you have them

• Recent statements for your cards and loans

• For business credit: EIN letter and company documents

 

Frequently asked questions

How long does credit repair take? Credit bureaus usually respond to a dispute within 30 to 45 days. Many clients see changes in a few months, but every case is different.

Can you remove accurate negative items? No. Only inaccurate, outdated or unverifiable items can be removed. Accurate information stays on your report, and we help you build positive history around it.

Can I build credit with an ITIN? Yes. Some banks and lenders accept an ITIN to open secured cards and credit-builder accounts.

What is business credit? It is a credit profile in your company's name, linked to its EIN, that helps you get financing without relying only on your personal credit.

 

About Airen Suárez

Airen Suárez is the founder of Airen Consulting in Miami. For more than 15 years she has helped over 1,500 families and small business owners file their taxes, keep their books in order and start their companies, in English and Spanish. Office: 1405 SW 107th Ave, Suite 301-I, Miami, FL 33174. Monday to Friday, 9:00 a.m. to 5:00 p.m.

Last reviewed: October 2026