Credit report review
We go through your reports from all three bureaus with you, line by line, to find what may be incorrect, incomplete or outdated.
- Guided reading of Equifax, Experian and TransUnion
- Priorities mapped to your goals
Credit education · Puerto Rico & the U.S.
A new start
A new start
for your credit.
We go over your report with you, dispute only what is inaccurate, and stay with you at every step with a clear, documented and transparent process.
No score promises. Just verifiable facts and work done right.
We work within
FCRACROAREG. VTSRDACO PR
Services
Everything your credit needs, in one place.
One platform. Real freedom. One team, one process and one platform, so you always know where your case stands and what comes next.
Factual disputes under the FCRA
We only dispute information that is inaccurate or can't be verified, backed by documentation. We never dispute accurate information.
- Letters reviewed before every mailing
- FCRA investigation deadlines tracked
Tracking and organization
Every case lives on our platform: rounds, bureau responses, documents and appointments. You get clear updates without chasing anyone.
- Your file organized by stage
- Reminders and next steps in writing
Financial education
The progress that lasts is the progress you understand. We teach you how scoring works, how to use credit in your favor and how to keep what you build.
- Hands-on sessions and our own material
- Habits for after the process
How it works
A clear process, start to finish.
No fine print, no hidden steps. Before we start you get a written contract that explains your rights and what we do for you.
01
Evaluation
We talk about your goals and review your report together to see if we can help.
First appointment02
Written plan
You get a plan with priorities, estimated timelines and a contract that explains your rights.
Before any work03
Disputes in rounds
We send factual disputes and follow up on every response within the legal deadlines.
Per legal deadlines04
Education and habits
We prepare you to keep building your credit on your own.
For good
Platform
Our own technology, working on your case.
We built our own platform to keep deadlines under control, organize documents and follow the same process for every client.
Deadlines under controlEvery dispute round has its due date and its alert.
Your information, protectedInvitation-only access and encrypted data in the cloud.
Clear reportsYou know what stage your case is in and what's next, in plain words.
ONE XYOUR CREDIT, IN ORDER
All in order. Let's keep going.
Current stageRound 2
Next appointmentThu 10:00
Equifax · response receivedReviewed
Experian · 30-day windowDay 18
TransUnion · draft letterTo review
Illustration · sample data
One X Academy
Learn to build credit and business.
Our training program with its own student portal: video lessons, downloadable material and progress tracking. Lessons are in Spanish.
01How credit works on the inside
02Your rights under the FCRA
03Habits to build and keep
04Start your company
Our principles
Seriousness over promises.
In an industry full of impossible guarantees, we choose to work with the truth, in writing and within the law.
Facts, not promises
No one can guarantee a score. Our commitment is a serious, documented and transparent process.
Everything in writing
A clear contract, your rights explained, and every step documented before we take it.
Close to you
We're from Puerto Rico. Real people serve you, in English or Spanish, in Puerto Rico, Florida, New York, New Jersey, Pennsylvania, Massachusetts and Connecticut.
Contact
Start with an evaluation.
Tell us about your situation and we'll reach out to set up your first appointment.
Emailinfo@onexwallet.com
Phone and WhatsApp787-454-6513 · WhatsApp
Repair plansFrom $999 total, depending on the items and rounds in your case. The exact price is in your written contract, before we start. You pay for the work, not for a result.
OfficeBased in Puerto Rico · serving clients by phone and online
Important notice
ONE X WALLET LLC does not guarantee score increases or the removal of any information from your credit report. Accurate and verifiable information cannot be removed. You have the right to dispute inaccurate information directly with the credit reporting agencies (Equifax, Experian and TransUnion) at no cost, and to get your reports for free at annualcreditreport.com. Any credit repair services contract may be canceled without penalty or obligation until midnight of the third business day after you sign it, under the Credit Repair Organizations Act. In Puerto Rico, Act 153-2013 (Credit Repair Agencies Act) gives a longer period: seven calendar days from signing. We do not provide legal advice.