About 700 Credito
700 Credito is a Los Angeles, education-focused credit strategy company helping people understand, correct, build and optimize their credit profiles.
REQUEST MY FREE CREDIT ANALYSIS700 Credito is an education-focused credit strategy company built to help individuals and business owners understand, correct, build, and optimize their credit profiles lawfully and sustainably.
We focus on credit reporting accuracy, credit education, profile optimization, homebuyer credit preparation, ITIN credit, and business funding readiness. Based in Los Angeles, we work with clients by appointment in English and Spanish.
Our work is designed for people who want clarity, structure, and long-term credit health rather than shortcuts or score chasing.
Our Purpose
Our purpose is simple: help people better understand how credit reporting works so they can make informed decisions, address eligible reporting issues, strengthen their credit profiles, and prepare more strategically for future financial opportunities.
Who We Help
- Individuals seeking to address inaccurate, incomplete, outdated, or potentially misleading credit reporting
- Consumers rebuilding after financial setbacks or major life events
- Future homebuyers preparing their credit before pursuing mortgage financing
- ITIN holders building, repairing, or optimizing U.S. credit
- Consumers preparing for potential auto financing
- Business owners preparing personal and business credit for potential funding
- People who previously tried credit repair and want a more structured, education-driven approach
Who Benefits Most From Our Process?
Our process is best suited for clients who are willing to stay engaged, provide accurate information, follow their personalized strategy, and understand that meaningful credit improvement is a process rather than a one-time event. Individual outcomes and timelines vary.
What We Do
Credit Report Analysis
A detailed review of your reports to understand what may be affecting your profile.
Credit Profile Optimization
Guidance on balances, utilization and account structure as they relate to your goals.
Reporting Accuracy Review
Identifying information that may be inaccurate, incomplete, outdated or unverifiable.
Guided Credit Education
Plain-language explanations of how credit reporting and scoring factors work.
Homebuyer Credit Preparation
Reviewing your credit early, before you pursue mortgage financing.
ITIN Credit Repair & Education
Support for ITIN holders building, repairing or optimizing U.S. credit.
Auto Credit Preparation
Understanding your profile before you apply for a vehicle loan.
Business Funding Preparation
Preparing personal and business credit before you explore funding options.
Positive Credit-Building Education
Learning habits and account types that can help build history over time.
More Than Credit Repair
700 Credito approaches credit improvement through education, analysis, and personalized strategy.
Addressing eligible inaccurate, incomplete, outdated, or unverifiable reporting can be part of that process, but the larger objective is helping clients understand their complete credit profile and how it relates to their financial goals.
We do not rely on a one-size-fits-all strategy.
The Approval-Ready Process
Our work follows six stages, including secure onboarding. Each client’s path can differ depending on their reports, goals and timeline.
- Analyze
- Onboard
- Correct
- Build
- Optimize
- Prepare
Preparing Credit For Business Funding
Depending on the lender and product, both personal and business credit can affect potential financing opportunities. Credit is one of several factors lenders may review. Considerations may include:
- Utilization
- Account structure
- Reporting accuracy
- Existing obligations
- Recent inquiries
- Credit history
- Timing
Funding is subject to lender requirements, underwriting and eligibility. We do not guarantee funding. More about business funding preparation
Our Approach
- Credit Reporting Accuracy
- Education
- Documentation
- Personalized Strategy
- Realistic Expectations
- Transparency
- Compliance
- Long-Term Credit Health
What We Don't Do
To keep our work accurate and lawful, 700 Credito does not offer or support:
- False or misleading disputes
- Misrepresentation
- Artificial credit manipulation
- Guaranteed deletion claims
- Guaranteed approvals
- Guaranteed funding
- Strategies based on knowingly inaccurate information
- Shortcuts presented as guaranteed results
700 Credito provides credit education, analysis, strategy, and related credit services. We do not guarantee specific credit score increases, account deletions, financing approvals, interest rates, credit limits, or funding outcomes. Results and timelines vary by individual circumstances.
About The Founder
Hilario HuizarFounder & CEO
Hilario Huizar is the Founder & CEO behind 700 Credito and 700 Credit Scores. His work focuses on helping consumers and entrepreneurs better understand credit reporting, credit profile optimization, and preparation for future financial opportunities.
His approach emphasizes education, reporting accuracy, strategy, realistic expectations, and helping clients better understand the credit factors that may affect their financial goals.
Past Credit Mistakes Shouldn’t Hold You Back.
Understand your credit. Build a stronger profile. Prepare for what comes next.