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- Allentown, PA
- 862-247-7212
- ecastillosc@hotmail.com
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We help individuals and small businesses improve credit, launch properly, and access better financial opportunities—with confidentiality, education, and results-driven plans.
We start with a full review of your credit reports to identify errors and opportunities. Then we handle disputes of inaccurate or obsolete items with the credit bureaus while building a personalized plan for new immigrants and thin-file clients.
You’ll also get guidance to qualify for 0% APR credit cards for 12–18 months, plus budgeting tips and a payment strategy to grow your score the smart way.
The result is a stronger credit profile with healthier utilization and a better credit mix, along with clear, step-by-step actions to reach your target score.
We guide you through forming your LLC in Pennsylvania—from filings and EIN to an Operating Agreement and the essential documents you need.
We provide a straightforward compliance checklist (licenses, taxes) and help you open a business bank account and merchant services. With the right structure in place, you’re positioned for low-interest business funding.
You’ll be set up correctly from day one, with professional documentation ready and a solid foundation for building business credit.
Work one-on-one with us to create a practical financial plan for your personal or business goals.
We’ll refine credit utilization, map a debt strategy, and outline a clear funding roadmap—including documents, score targets, and lender expectations—then track progress with milestone check-ins.
You’ll gain confidence, improve your approval odds, and benefit from ongoing accountability that keeps you moving toward measurable results.
Timelines vary by profile, but most clients see movement within the first few cycles of targeted disputes and actions.
Credit repair is the legal process of fixing mistakes on your credit reports and building positive credit so lenders see an accurate picture of you.
What it includes:
Reviewing your Equifax/Experian/TransUnion reports
Finding errors (wrong late payments, duplicate accounts, mixed files, identity-theft items, outdated negatives)
Disputing inaccurate or unverifiable items with bureaus/creditors and following up
Building positive history (on-time payments, smart utilization, secured cards/credit-builder tools)
What it doesn’t do:
It can’t remove accurate, timely negative information
It can’t guarantee a specific score or “erase” credit
It never uses CPNs or new identities (that’s illegal)
With HC Credit Services and Solutions in Allentown, PA, we pair disputes with a step-by-step plan to strengthen your profile for the long term.
es—with secured lines, smart utilization, and on-time history, we accelerate the foundation safely.
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We guide you through entity choice, filing, EIN, operating agreement, and compliance basics.
You pay no interest for the promo period if you make on-time minimums; we help you qualify and use them strategically.
