Collections
Review third-party collection entries for validity.
Credit Repair Specialists
Rebuild your credit with clarity and confidence.
We review your reports, dispute inaccurate items, and guide you through a clear path forward — in English or Spanish.
100%Bilingual service
24hResponse time
$0Initial consultation
What we review
Categories on your credit report we analyze and dispute.
Every case is reviewed for accuracy under the FCRA. We assist with disputes; outcomes depend on each individual file.
Charge-Offs
Analyze charge-off records for reporting accuracy.
Hard Inquiries
Identify unauthorized or duplicate inquiries.
Late Payments
Verify late payment history and dispute inaccuracies.
Repossessions
Review vehicle and asset repossession entries.
Bankruptcy Reporting
Check bankruptcy public records for reporting accuracy.
Foreclosure Reporting
Assess foreclosure records reported by lenders.
Child Support Reporting
Review child support reporting entries for accuracy.
How it works
A clear, five-step path forward.
- 1
Free consultation
We listen to your goals — buying a home, financing a vehicle, or improving your overall profile — and confirm fit.
- 2
Full report analysis
We pull your reports from the three bureaus and identify inaccurate, incomplete, or unverifiable items.
- 3
Personalized action plan
A dispute strategy tailored to your file, plus habits that help you rebuild responsibly.
- 4
Ongoing follow-up
We track responses from bureaus and creditors, escalating rounds as your case requires.
- 5
Clear progress reporting
You see what changed, what is pending, and what comes next — no jargon, no surprises.
About HDM
Guided by Hilario Diaz, Credit Repair Specialist.
HDM Elite Solutions was founded to bring transparent, bilingual credit guidance to families and entrepreneurs across the U.S. We are not attorneys or financial advisors — we are specialists who help you exercise your rights under the FCRA.
Transparent from day one
Clear pricing, clear scope, clear timelines.
Bilingual by design
Every step available in English and Spanish.
Compliant, honest work
We follow CROA guidelines and never promise specific score results.
We now accept
These payment methods
Pay easy, fast, and secure
Your peace of mind is our priority
Thank you for trusting us!
Free consultation
Tell us where you are. We'll show you where to start.
Response in less than 24 hours. Your information stays private.
Loading form…
FAQ
Common questions.
How long does credit repair take?
Timelines vary. Most files see meaningful movement within 60–120 days, but individual results depend on the number and type of items being disputed.
Do you guarantee items will be removed?
No. No credit repair company can legally guarantee specific results. We assist with disputes; outcomes depend on the bureaus, creditors, and each file.
How much does it cost?
The initial consultation is free. Program pricing is shared during the consultation once we understand your file and goals.
Can I cancel any time?
Yes. Under CROA you may cancel your service at any time. Cancellation rights are provided in writing before you start.
Do you speak Spanish?
Yes. Every step of the service is available in English and Spanish.
Will disputing hurt my credit?
Filing accurate disputes under the FCRA is your right and does not itself lower your score. We only dispute what the file supports.