Buying a home
Get your file lender-ready: dispute inaccurate items, address the balances underwriters flag, and know your timeline before you apply.
Get mortgage-ready →Tell us what you're trying to reach and we'll build the plan around that goal — not around a generic credit score number.
Free 1-on-1 consultation · No obligation · Talk to Juan, not a call center
"Everything that Juan promised me is what he delivered. He's not all talk. He does what he says he will do."
— Rosemary A., Google reviewWatch first
A few minutes on how this actually works — what we can challenge, what we can't, and what to expect.
Free consultation · No obligation
Who we help
Most people don't want "better credit" in the abstract. They want the keys, the truck, the funding, or a night's sleep. We start from the goal and work backward.
Get your file lender-ready: dispute inaccurate items, address the balances underwriters flag, and know your timeline before you apply.
Get mortgage-ready →Stop accepting whatever rate the desk offers. We work on the derogatory items and utilization that drive your approval terms.
Fix my car-loan odds →Personal credit gets checked first. Clean it up, build business credit the right way, then approach lenders from a position of strength.
See funding path →No deadline, just tired of the weight. We'll show you what's actually on your reports and give you a month-by-month plan.
Start my credit plan →What we look at
We review every line on all three reports. Anything reported incorrectly gets disputed under the Fair Credit Reporting Act. Anything accurate gets a strategy instead of a shortcut.
How it works
You'll always know what we sent, what came back, and what happens next.
A real conversation about where you are and where you're trying to get. We pull all three reports together and walk through them line by line, in language that makes sense.
We identify what's inaccurate or unverifiable and challenge it with the bureaus and furnishers. At the same time you get a plan for utilization, payment history, and account mix.
You watch results come in through your portal each cycle. When your file is ready, we point you at the right lender or funding path for your goal.
Real client reports
These are real credit-monitoring reports from people Juan has worked with, with names removed. Some moved a lot. Some moved a little. Every file is different — and that's the honest part.
Results shown are actual client reports and are not typical or guaranteed. Individual results depend on what is on your reports, whether items are inaccurate or unverifiable, and your own financial activity during the process. Accurate, current and verifiable information cannot be permanently removed from a credit report. We do not guarantee any specific score increase or that any particular item will be deleted.
Meet the founder
"I've had to rebuild before. That's exactly why I know it's possible."
I'm Juan Ortiz — husband, father, and founder of Living Right Credit Repair. My road here wasn't a straight one. I fought addiction for years, and I've spent time behind bars. Those years changed me, and they gave me a purpose.
Today I help people understand their credit, dispute inaccurate information when it's appropriate, and build a real strategy for the goal they're chasing. My job is to educate you, not talk over you.
Wherever you're starting from, your past doesn't have to define your future. I'd be honored to be part of that rebuild.
Living Right Group · Funding
Fixing your personal profile is step one. If you're building something, we keep going — business credit, lender readiness, and the funding routes that fit your revenue and your file.
Google reviews
Unedited screenshots straight from the Living Right Group Google Business Profile.
Straight answers
That's the most common thing we hear, and it's usually not true. Reports are full of items that are inaccurate, outdated, duplicated, or that a furnisher can't verify. Until someone reviews all three reports properly, nobody knows what you're really working with — including you.
No, and anyone who does is telling you what you want to hear. What we can promise is a thorough review, disputes filed correctly under the FCRA, honest updates every cycle, and a strategy for the items that are accurate and can't be disputed away.
Bureaus generally have 30 days to respond to a dispute, so results come in cycles. Most clients work with us for several months depending on how many items are involved. On your first call we'll give you a realistic timeline for your specific file rather than a sales number.
Yes — you have the right to dispute directly with the bureaus for free. Most people come to us because they want someone who does this daily to handle the follow-up, the escalations, and the strategy around what's left. We'll tell you honestly if you'd be fine doing it alone.
Not usually. Part of the plan is learning how to use credit in a way that helps you — which balances to pay down first, which accounts to keep open, when a new account helps and when it hurts. We'll walk through that on your call.
A conversation, not a pitch. We look at your reports together, you find out what's on them and what's realistically disputable, and you leave with next steps whether or not you hire us.
Yes. Consultations run by phone or video and everything else happens through your client portal, so we work with people nationwide.
No. Juan built this company after rebuilding his own life, and that's the whole point. Whatever's on your report, you'll get respect and a plan — not a lecture.
Free consultation
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Skip the back and forth and pick the plan that fits what you're working toward.