Credit Karina — Transform Your Credit, Transform Your Life

Step 1 of 5

What's your biggest
credit challenge right now?

Select the option that best describes your situation.

💳Collections & Charge-offs

⏰Late Payments

🎓Student Loans

⚖️Bankruptcy or Foreclosure

🔍Not Sure / Multiple Issues

What's your current
credit score range?

Don't worry — we help all score ranges.

🔴Below 500 (Poor)

🟠500–579 (Very Poor)

🟡580–669 (Fair)

🟢670–739 (Good)

❓I Don't Know

How many negative items
are on your credit report?

Include collections, late payments, and public records.

1️⃣1–3 Items

2️⃣4–7 Items

3️⃣8–15 Items

🔢15+ Items

❓I Don't Know

What's your main goal for
improving your credit?

We'll build your strategy around what matters most to you.

🏠Buy a Home or Refinance

🚗Get a Car Loan

💼Start or Grow My Business

💰Access Personal Funding

😌Peace of Mind & Fresh Start

Get Your Free Credit Action Plan

You're one step away. Enter your details and we'll be in touch within 24 hours.

Full Name *

Email Address *

Phone Number *

🎉

You're All Set!

Thank you! Our team will review your information and reach out within 24 hours with your free credit action plan.

Analysis Request Received

Start Your Journey

Get Your Free Credit Action Plan Today

No pressure. No obligation. Just a clear picture of where you stand — and a roadmap to where you deserve to be.

Free — No Commitment

Schedule Your Free Credit Action Plan

Takes 60 seconds · Get answers within 24 hours

🔒 Your information is 100% secure & never shared.

Karina Mejia

CEO & Founder · 5+ Years Expert

Free · No Obligation · No Credit Card

Free 30-Minute
Credit Consultation

Credit confusion stops here. In one quick call we answer every question, map out exactly what we can fix, and hand you a clear action plan — no fluff, no pressure.

1K+

Happy Clients

98%

Success Rate

Days to Start

Ask questions about your credit Get straight answers from a real expert — not a script.
Learn which items we can help remove Negative marks, collections, late payments — reviewed live.
Find the best plan for your situation Walk away with a personalised Credit Action Plan — free.

Get clear answers in just 15 minutes.
Real transformations begin in as little as 35 days.

Book Your Free Call

How It Works

Our 3-Step Process

Simple. Transparent. Built to get you results fast.

Step One

Free Credit Action Plan

We pull and review all three of your credit reports, identify every negative item, and hand you a clear action plan — at zero cost.

No cost · No obligation

Step Two

Dispute & Repair

We challenge inaccurate, incomplete, and unverifiable items across Equifax, Experian, and TransUnion — simultaneously and aggressively.

All 3 bureaus · FCRA-backed

Step Three

Build & Grow

We give you the roadmap, tools, and strategies to keep your score climbing — so the results you earn stay yours for life.

90-day plan · Long-term gains

Start My Free Analysis

Karina Mejia

CEO & Founder

5+Years
Expert

Meet the founder

MEET
KARINA MEJIA

CEO & Founder of Credit Karina. I started this credit repair company because I have a genuine PASSION to help elevate and educate clients on financial literacy and credit management.

For over 5 years, I've been dedicated to providing services to those in need of raising and improving their credit scores, while giving my clients the necessary tools to keep their scores up long term.

Seeing my clients' joy and financial freedom drives me to relentlessly challenge the credit bureaus to get amazing results.

I've been exactly where you are — frustrated, overwhelmed, and unsure if anything will actually work. I know the fear of starting and the doubt of "What if this doesn't help me?" That's why my program is different.

I rebuilt my own credit, my confidence, and my entire financial life. Everything I teach comes from real experience, real strategy, and proven results — not guesses or theory.

No confusion. No judgment. Just proven support.

Interactive Score Simulator

See Your Score Transform

Drag the slider to simulate removing negative items — watch your score rebuild in real time.

524

Starting Point POOR

Negative Items Removed0 / 8

012345678

TransUnion

511→511

Equifax

519→519

Experian

542→542

Score Impact Breakdown

Collections

Late Payments

Hard Inquiries

Charge-Offs

Utilization

Total Points Gained +0 pts

Items Being Challenged

Medical Collections Late Payments Hard Inquiries Charge-Offs Collections Repossession

Your Milestone Journey

🔒

580 — Fair Credit

Secured cards & basic loans

580

+56 pts away

🔒

620 — Auto Loans

Car financing at better rates

620

+96 pts away

🔒

660 — Credit Cards

Unsecured cards with real rewards

660

+136 pts away

🔒

700 — Mortgage Ready

Qualify for FHA home loans

700

+176 pts away

🔒

740 — Premium Rates

Best interest rates on everything

740

+216 pts away

Overall Progress to 850 20%

Start My Real Score Transformation →

* Based on average client results. Individual results vary.

The Difference

WHY WORK WITH US

Six reasons our clients succeed where others have failed — and why Credit Karina is in a category of its own.

01 / 06

📈Proven Results

150+ Points Added.
Real People. Real Scores.

98% success rate. 1,000+ clients. Real score improvements that open doors to mortgages, car loans, and better financial opportunities.

150+ avg pts gained98% success rate

02 / 06

🔍No Risk Entry

Start With a
Free Analysis

We review all three credit reports, identify every item hurting your score, and build your action plan — free, zero pressure, zero obligation.

$0 to startNo obligation

03 / 06

⚡Dispute Power

We Fight
All 3 Bureaus

Equifax. Experian. TransUnion. We challenge every inaccurate or unverifiable item on all three — simultaneously, aggressively, under the full power of the FCRA.

All 3 bureausFCRA-based disputes

04 / 06

📊Full Transparency

Live Portal.
Zero Guessing.

See every dispute filed, every removal won, every point gained — in real time. No waiting, no chasing. Full control from day one.

24/7 accessLive tracking

05 / 06

🏆Built to Last

Credit You
Keep Forever

We don't just remove negatives — we give you the tools and roadmap to keep your score climbing long after we're done.

90-day planLong-term strategy

06 / 06

🛡️5+ Years Expertise

Expert Guidance
Every Step

Led by Karina Mejia with 5+ years of hands-on expertise. Every dispute crafted with precision by people who do this every single day.

5+ yrs expertise1,000+ clients served

Got Questions

Frequently Asked

Everything you need to know before getting started — answered honestly.

How long does credit repair take?

Results can begin in as little as 35 days. Our programs run 3 to 6 months depending on the plan you choose — The Reset is 3 months and the Elite Reset covers 6 months for more complex situations. Every case is different, but we work aggressively from day one.

Is the credit analysis really free?

Absolutely. We review all three of your credit reports — Equifax, Experian, and TransUnion — at zero cost. No hidden fees, no obligation to enroll. You'll walk away with a clear picture of what's hurting your score and exactly what we can do about it.

What items can you remove from my credit report?

We challenge late payments, collections, charge-offs, bankruptcies, foreclosures, repossessions, medical bills, student loan delinquencies, hard inquiries, and evictions.

Is credit repair legal?

Yes — 100%. All of our dispute services are performed under the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA). These are federal consumer protection laws that give you the right to challenge inaccurate, incomplete, or unverifiable information on your credit report.

What makes Proximity to Prosperity different?

We don't use cookie-cutter dispute letters. Every strategy is customized to your situation by Karina Mejia — someone who rebuilt her own credit from scratch. With a 98% success rate across 1,000+ clients and average score gains of 150+ points, our track record speaks for itself.

How much does credit repair cost?

We offer three programs: The Reset at $287/month (3 months), the Elite Reset at $697/month (6 months — most popular for complex cases), and the Couples Reset at $564/month (3 months for two people). The analysis is always free with zero obligation to enroll.

Will I be able to track my progress?

Yes. Every client gets access to a live tracking portal where you can see every dispute filed, every removal won, and every point gained — updated in real time. No waiting on hold, no chasing us for updates. You're in full control from day one.

What if I've tried credit repair before and it didn't work?

Karina has been exactly where you are — frustrated and unsure if anything will actually work. Most people who've tried before were given generic letters with no real strategy. We do it differently: fully customized dispute plans, aggressive bureau challenges across all three, and a 90-day structured framework.

Do you work with bankruptcies or foreclosures?

Yes. Bankruptcies and foreclosures require specialized strategies and we handle both. The Elite Reset program is specifically designed for complex situations like these, with 6 months of aggressive disputes and an advanced credit optimization plan tailored to your circumstances.

What happens after the program ends?

We don't just remove negatives and leave. Every client receives a complete credit-building roadmap and the tools to keep their score climbing long after we're done. Our goal is financial freedom that lasts — not a temporary fix. What you build with us, you keep forever.

Still have questions? We're happy to walk you through everything — for free.

Get My Free Credit Analysis

STOP HOLDING
YOURSELF BACK
FROM GOOD CREDIT.

Built on Purpose.
Driven by Impact.

Get Your Free Credit Action Plan Today

Free 30-Minute
Credit Consultation

Schedule Your Free
30-Minute Session