The lender said come back in a year.
And handed you no plan for what to actually do during that year. So twelve months pass and the file looks the same.
Rise Up
Credit restoration built for real approvals — Phoenix & the West Valley
Bad credit isn't a life sentence.
It's a starting line.
With the right team restoring your credit and the right lender reading the file, the answer changes. That's how you get the house, the lower rate, or the car — instead of another decline letter.
- No cost, no obligation
- Won't hurt your score
- CROA-compliant process
- Se habla español
Sound familiar?
You're not bad with money.
You just got a bad answer.
Almost nobody lands here through recklessness. They land here through a divorce, a medical bill, a layoff, a co-signed loan that went sideways, or one card that got away during a hard year.
My rate is costing me hundreds a month.
You got approved — at a tier that quietly adds a car payment's worth of interest to your life every single month.
There's stuff on my report I don't recognize.
Errors, duplicates, mixed files, debts that should have aged off. Nobody ever walked you through it line by line.
I'm scared to even look at my credit.
So it sits there, unopened, growing into something bigger in your head than it usually is on paper.
Here's what nobody told you: a decline is a snapshot, not a verdict.
Underwriting isn't judging your character. It's reading a file. And a file can be corrected, rebuilt, and re-presented — by people who know exactly what that file needs to say. That's the entire job of The Rise Up Solutions Group.
Start with the goal
What are you trying to get approved for?
Every goal has a different bar. Pick yours and see what the credit side of it actually looks like — and what it's costing you right now to wait.
You want the keys.
Homeownership is where credit repair pays for itself the fastest — because on a 30-year note, every tier you climb compounds. Many loan programs start opening up in the low-600s, and pricing keeps improving as you move toward 740+.
- 1We audit all three bureaus line by line — because lenders often price off your middle score, and the three reports rarely match.
- 2We challenge what's inaccurate and build a plan for what's legitimate: utilization, mix, and new positive history.
- 3We work backward from your lender's target, so the file is built to satisfy underwriting — not just to look prettier.
The cost of waiting
$400,000 home loan · 30-year fixed · illustrative rates
Lower-tier creditExample: ~7.5% APR
$2,797
Loan-ready creditExample: ~6.4% APR
$2,502
$106,140
extra interest over the life of the loan — about $295 more every month
Illustrative example only. Not a quote, offer, rate lock, or commitment to lend. Actual rates depend on the lender, program, market conditions, and your full financial profile.
You already own — you're just paying too much for it.
Here's the part most homeowners miss: a refinance is priced off the credit you have today, not the credit you had at closing. If your score dipped after you bought, you're negotiating from a weaker position than you realize. If we can lift it first, you refinance from strength.
- 1Fix the file before you apply — not after a lender has already priced you and pulled your credit.
- 2Target the specific drags holding the score down: high utilization, recent lates, collection items, thin recent history.
- 3Time the application with your loan officer so you apply at the top of your range, not the middle of a rebuild.
The cost of refinancing too early
$350,000 balance · 30-year fixed · illustrative rates
Refi at today's scoreExample: ~7.9% APR
$2,544
Refi after restorationExample: ~6.5% APR
$2,212
$3,979
difference per year — roughly $332 every month, for as long as you hold the loan
Illustrative example only. Not a quote, offer, rate lock, or commitment to lend. Actual rates depend on the lender, program, market conditions, and your full financial profile.
You need a reliable car — not a predatory contract.
Auto lending is tiered, and the tiers are brutal at the bottom. The dealer isn't going to explain that the same car, same term, same down payment costs radically different amounts depending on one number. A car is also the fastest goal to reach — which makes it a great first win.
- 1Know your tier before you walk in, so the finance office can't invent a story about what you qualify for.
- 2Clean up the quick wins first — utilization and reportable errors can move faster than people expect.
- 3Use the auto loan to build, so this purchase strengthens the file you'll need for a mortgage later.
The cost of the wrong tier
$35,000 auto loan · 72 months · illustrative rates
Subprime tierExample: ~14.5% APR
$731
Prime tierExample: ~7.0% APR
$597
$9,640
extra paid over the term — about $134 more every month
Illustrative example only. Not a quote, offer, or commitment to lend. Actual rates depend on the lender, vehicle, term, down payment, and your full financial profile.
The right team + the right lender
One of these alone doesn't get you approved. Together, they do.
A credit company that doesn't talk to lenders builds a prettier report that still gets declined. A lender without a credit strategy just tells you to come back later. The approval lives in the handoff between them.
01
You
You bring the goal and the honest starting point. No judgment, no lecture — we've seen far worse than whatever you're embarrassed about.
The goal02
Rise Up
We audit all three bureaus, challenge what's inaccurate under CROA, and build the rebuild plan — utilization, mix, and new positive history.
The credit03
Your Lender
A loan officer who tells us the exact target — program, score, ratios, documentation — so we're building toward real underwriting, not a guess.
The target04
Approved
The file gets re-presented to a lender who already knows the story. Same person, different answer — because the paperwork finally matches the person.
The outcomeAlready have a loan officer? Perfect — we'll work directly alongside them. Don't have one yet? We can introduce you to lending professionals who understand credit-restoration files. Either way, you're never obligated to use anyone we introduce, and we never take a cut of your loan.
How it actually works
Four steps. No mystery, no runaround.
You'll know where you stand after the first conversation — including if the honest answer is that you don't need us.
01
The free consultation
A real conversation about where you are and where you're trying to get. We pull the picture together, tell you what's realistic, and give you a straight answer about whether we can help. If disputing on your own is the smarter move for your situation, we'll say that out loud.
02
The line-by-line audit
All three bureaus, side by side. Errors, duplicates, mixed files, items that should have aged off, accounts reported inaccurately — plus the legitimate items we'll need to strategize around instead of dispute. You get to see exactly what we see.
03
Restore & rebuild — at the same time
This is where most people only do half the work. We challenge inaccurate items through compliant channels and build the positive side in parallel — utilization targets, account mix, on-time history. Removing bad marks without building good ones leaves you with a thin, unfundable file.
04
Hand off to the lender — and get the answer
When the file is built to the target your loan officer gave us, we coordinate the handoff. No re-explaining your history to a stranger, no surprise conditions. You walk into the application as a prepared borrower instead of a hopeful one.
CROA-Compliant
Straight answers, documented work
Who you'll be working with
Genaro Palomino built this for the people who kept getting told "not yet."
The Rise Up Solutions Group exists because too many families in the West Valley were being handed a decline and nothing else — no explanation, no plan, no idea what to fix first.
Genaro's approach is unglamorous on purpose: read the whole file, tell people the truth about it, challenge what's actually inaccurate, and build the positive history that underwriting needs to see. No guaranteed numbers, no miracle promises, no vanishing after you sign.
And because he works alongside loan officers and real estate agents across Phoenix and the West Valley, the credit work is always pointed at a real approval target — not at a score for its own sake.
Genaro Palomino
Founder & Lead Credit Repair Specialist
Talk to Genaro
3Bureaus audited, every time
GlendaleServing Phoenix & the West Valley
$0Cost for your first consultation
Straight answers
The questions people are afraid to ask
How long does this take?
Credit bureau investigations run on roughly 30-to-45 day cycles, and most clients work through several of them. Some situations move faster; some take longer. Anyone who gives you an exact date before looking at your reports is guessing — or selling. We'll give you an honest read on your specific file at the consultation.
Can you guarantee my score will go up X points?
No — and please walk away from anyone who does. Under the Credit Repair Organizations Act, no legitimate credit repair company can promise a specific score increase or a guaranteed removal. Results vary by credit profile.
What we do commit to: a compliant, documented process, visibility into every action taken on your file, and the truth about your odds even when it costs us the sale.
What score do I actually need to buy a house?
It depends entirely on the loan program. Many government-backed programs start opening up in the low-600s, while conventional pricing keeps improving as you climb toward 740+. But score is only one input — income, debt ratios, down payment, and job history all matter.
That's exactly why we work backward from your lender's specific target instead of chasing a generic number.
Do I have to use your lender?
Absolutely not. If you already have a loan officer you trust, we'll work directly alongside them — that's often the smoothest version of this. If you don't have one, we can introduce you to lending professionals who understand credit-restoration files. You're never obligated to use anyone we introduce, and we don't take a cut of your loan.
Can't I just dispute this myself for free?
Yes, you can — and for some situations we'll tell you that's the smarter move. You have the right to dispute inaccurate information with the bureaus at no cost.
People hire us for strategy and sequencing: knowing which items to challenge, in what order, what to leave alone, and how to build new positive history at the same time so the file ends up genuinely loan-ready rather than just slightly cleaner.
Will any of this hurt my credit?
Reviewing your own credit reports is a soft inquiry and does not lower your score. The consultation itself costs nothing and carries no obligation. If any part of the plan we recommend could temporarily affect your score — like opening a new account as part of a rebuild — we'll tell you that up front, before you decide.
Your next chapter
Let's find out what's actually standing between you and approved.
One conversation. No cost, no obligation, no pressure, and no judgment about how you got here. Worst case, you walk away finally understanding your own credit.
- An honest read on your situation — including if it's "you don't need us"
- The specific items likely holding your file back
- A realistic path to your goal — house, refi, or car
- Coordination with your lender, or an introduction to one
(602) 584-0231
Prefer to just call? That works too.
Request your free credit consultation
Takes about a minute. Genaro or a member of the team follows up personally.
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