Credit repair · Rhode Island & nationwide
One-on-one credit repair for people who are ready for the next step — a car, an apartment, a first home — and tired of hearing no.
Services
Whether your report is full of errors or just too thin, there's a clear path forward.
A full three-bureau review with a written summary of what's hurting your score and what we can do about it.
Targeted disputes for items that are inaccurate, outdated, or can't be verified by the reporting party.
For thin files and rebuilders — a step-by-step plan to add positive history and get lender-ready.
How it works
We talk through your goals, timeline, and what's on your reports — no obligation.
All three bureaus, line by line. Anything inaccurate, outdated, or unverifiable is flagged.
Disputes go to the bureaus and creditors. I track every response and escalate what comes back.
A simple plan for utilization, payments, and new credit so your score keeps climbing.
What to expect
Every file is different, but most programs follow a rhythm like this. You'll hear from me at every stage.
We pull your reports, sign the agreement, and you receive a written breakdown of every negative item and its likely impact.
Disputes go out to the bureaus and creditors. They have 30 days to investigate. Early deletions often show here.
Items that come back "verified" get a second, stronger round. Meanwhile we start adding positive history to your file.
Final review, a maintenance plan, and a clear picture of what you can now apply for with confidence.
Meet Emeliza
"Every 'no' I ever heard is the reason I answer when you call."
I know what it's like to be told no. Before I ever helped anyone else with their credit, I was the one being denied — for a car, for a home, for the things I'd worked hard for — because of a report I didn't fully understand. So I learned it. I found what was wrong, disputed it, built better habits, and rebuilt my credit step by step until the answers turned into "yes."
That experience is the heart of Credit to Keys Solutions. When you work with me, you get me — not a call center. I read your reports myself, explain everything in plain words, and tell you the truth about what's realistic. And I don't stop at a score. I stop when you're standing where you wanted to be.
You are not your credit score. You're someone with a goal and a report that hasn't caught up yet. Let's go get your keys.
Credit score guide
Scores run from 300 to 850. Most conventional lenders look for the mid-600s and up; FHA programs can go lower.
Client stories
Emeliza explained my report better than anyone at the bank ever did. Three collections gone and I finally understand my score.
Client, Providence RI
Sample - replace with a real reviewI went from being denied to pre-approved. She worked on my credit, and never let me feel embarrassed about it.
Client, Cranston RI
Sample - replace with a real reviewPatient, honest, and always answered my texts. She never promised magic — she just did the work.
Client, Pawtucket RI
Sample - replace with a real reviewQuestions
Bureaus have 30 days to respond to each dispute, so most clients see first results within 30-45 days. A full program typically runs 3-6 months.
No, and by law no one can. What I can guarantee is honest, documented work on every inaccurate, outdated, or unverifiable item, plus a clear plan for building positive history.
Yes — you always have the right to dispute items with the bureaus for free. Many people hire me so someone who does this every day handles the letters, follow-ups, and strategy.
No. Filing a dispute does not lower your score. If an item is removed, your score usually improves; if it's verified, nothing changes.
No. I'm based in Rhode Island and work with clients across the country by phone, text, email, and secure upload.
Under federal law, credit repair companies can't charge before work is performed. You'll get a written agreement and a clear scope, and you can cancel within the legal window.
Let's talk
Tell me a little about where you are and where you want to go. I'll reply within one business day.
Credit to Keys Solutions is a credit repair service. Results vary by individual and no specific outcome or score increase is guaranteed. You have the right to dispute inaccurate information in your credit report directly with the credit bureaus at no cost, and to obtain a free copy of your reports at annualcreditreport.com.
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