Your credit is what stands between you and owning a home in the U.S.
We read all three credit reports, show you what is an error and what is real debt, dispute what is inaccurate, and prepare your profile until the lender says yes. All within U.S. law.
Free diagnosis
Answer 5 quick questions. Reply within one business day.
Blocked credit always has a cause. We find yours.
Credit repair in the United States means identifying inaccurate, incomplete or outdated information on your report, formally disputing it with the bureaus and the furnishers, and organizing what is true so your profile holds up with a lender. No company can delete accurate information — and anyone promising that is breaking federal law.
Credit to buy a house
This is our specialty. FHA accepts a 580 score with 3.5% down; conventional usually starts at 620. We show exactly how far you are and what to fix first.
See how it works
Credit to finance a car
Auto lenders look at score, documented income and length of history. We prepare your profile so a report error does not cost you a 20% rate.
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Loans and credit cards
Secured cards, limits, personal loans and business credit. Building history matters as much as correcting what is wrong.
See how it works
Four stages, no mystery
You see every letter sent, every bureau response and every change on the report.
Diagnosis of all three reports
We pull Experian, Equifax and TransUnion from AnnualCreditReport.com, the official free site. We build an account-by-account inventory: creditor, balance, dates, status and which bureau it appears on.
Separate errors from real debt
Accounts that are not yours, wrong balances, wrong dates, improper duplicates and unauthorized inquiries go into the dispute queue. Real debt goes into a different plan: negotiation, payoff or time.
Factual dispute and follow-up
We send the dispute to the bureau and to the furnisher, with documentation attached. The law generally allows 30 days for the investigation (45 in some cases). We keep proof of every mailing.
Rebuilding and lender preparation
Results verified on the new report. In parallel, we adjust utilization, account mix and history so the profile survives underwriting.
We explain the law before we sell you anything
Credit repair in the United States is governed by the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). These laws exist because this industry is full of false promises. Knowing the rules is your best protection — including against us.
The CROA prohibits charging or receiving any money before services are fully performed (15 U.S.C. §1679b). If someone asks for $1,500 upfront to "clean your name", that alone is a red flag.
What can actually be done
- Dispute an account that is not yours or has the wrong balance, date or status
- Demand a formal bureau investigation, with a legal response deadline
- Dispute a credit inquiry made without a permissible purpose
- Negotiate with the creditor and document the agreement before paying
- Build new history with a secured card and disciplined use
- Prepare income documentation the way lenders require it
What nobody can promise
- Erase true, current debt from your report
- Guarantee an exact number of points
- Guarantee loan approval
- Create a new identification number or a "fresh" credit file
- Remove an accurately reported bankruptcy or repossession
- Charge you before delivering the service
Deadlines and limits federal law guarantees you
These are not our promises: they are written rules, with a source link at the bottom of every page.
What each score range opens in the United States
Common mortgage market references. Any lender may be stricter than the program minimum.
Best available ratesYou compete for the best rate on the market and mortgage insurance costs less.
Smooth approvalConventional without friction and good terms on auto and cards.
Door to conventional financing620 is the usual conventional floor. Between 620 and 680 the rate is still expensive.
FHA with 3.5% downFHA accepts 580 with 3.5% down, but many lenders require 600 or 620 as their own overlay.
FHA with 10% downTechnically allowed, rarely offered in practice. Worth working the report first.
Insufficient historyNewcomers almost always land here. History can be built in 6 to 12 months.
We serve buyers where we know the market
Buldora works with Central Florida real estate every day. That changes the conversation: we know what home price your profile can reach in each city.
Questions everyone asks in the first call
Is credit repair legal in the United States?
Yes. It is a legal activity regulated by the Credit Repair Organizations Act. What is illegal is promising to delete accurate information, charging before performing the service, and coaching a client to lie on a dispute.
How fast will my score go up?
There is no guaranteed timeline, and any company giving you an exact number is promising something it does not control. What does have a deadline is the dispute investigation: generally 30 days, up to 45 in some cases. The score effect depends on what gets corrected and on the rest of your history.
Do I need a Social Security Number?
To pull a full report, usually yes. People with only an ITIN may have limited or no history. In that case the path is not disputes but building history — and we show you how.
Do you guarantee I will be approved for the house?
No. Nobody can guarantee approval, and promising it is prohibited. What we do is make sure the report is accurate and the profile is organized so underwriting happens with the right data.
How much does it cost?
The diagnosis is free. The price is set after it, in writing, because it depends on how many items need work — and billing happens only after delivery, as federal law requires. See how billing works.
Do you also sell the house?
Buldora works with U.S. real estate, but the two services are separate: you are not required to buy with us, and your credit analysis does not depend on it.
Material to read before you hire anyone
What credit score do you need to buy a house in the United States
The minimums by program, why lenders ask for more than the rule, and what each score range costs in your monthly payment.
DisputesHow to dispute an error on your credit report, step by step
The official process, the letter structure that works, and what to do when the bureau verifies the information.
Your rightsIs credit repair legal? What the CROA allows and prohibits
The activity is legal and regulated. The problem is what many companies do — and how you spot it in a five-minute conversation.
Start with a read of all three credit reports
Within one business day you get an honest read of your credit: what is an error, what is real debt, and what can change before you talk to a lender.
No charge to analyze. We work in English, Spanish and Portuguese.