SHE RISES
FINANCIAL SOLUTIONS
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Frequently Asked Questions
Everything you need to know about our credit repair, coaching, and financial services. Can't find your answer? Book a free call and ask me directly.
How does the free consultation work?
You book a time on our online calendar. On the call, we review your credit situation together, identify the biggest issues affecting your score, and outline a personalized strategy — completely free, no obligation, in English or Spanish.
What do I need to bring to my consultation?
Ideally, your credit reports from all 3 bureaus, pulled free at AnnualCreditReport.com. If you don't have them yet, that's okay — we'll walk you through it.
Do you offer services in Spanish?
¡Sí! We are fully bilingual. All consultations, coaching sessions, documents, and materials are available in both English and Spanish.
How much does credit repair cost?
Affordable monthly plans tailored to your situation, recommended during your free consultation. No upfront fees before work is performed, no hidden fees, no long-term contracts.
How long does it take to see results?
Most clients see their first deletions or updates within 30–45 days of the first dispute round. Full restoration typically takes 3–6 months depending on your file's complexity.
Is credit repair legal?
Absolutely — it's your legal right under the FCRA, CROA, and Texas state law. She Rises operates in full compliance and is registered and bonded in the State of Texas.
What types of items can you help remove?
Any item that's inaccurate, incomplete, unverifiable, or reported in violation of the FCRA — collections, charge-offs, late payments, repossessions, medical debt, identity theft items, and more.
What makes you different from other credit repair companies?
No template letters. Every dispute is customized using FCRA, FDCPA, and Metro-2 strategy, and we intervene directly with furnishers — most companies won't. Plus, clinical social work training behind every case.
Do I need to pay before you start working?
No. Under CROA and TSR, credit repair companies cannot charge fees before the promised services are fully performed.
Can I cancel at any time?
Yes. You have the right to cancel within 3 business days of signing, and any time after that with written notice — no long-term contracts, no cancellation fees.
What's the difference between credit repair and credit coaching?
Repair is the hands-on work — filing disputes, intervening with furnishers. Coaching is the education side — teaching you how scoring works so you maintain your results long-term. Most clients get both.
Do you offer group programs or courses?
Yes — the She Rises Credit Academy on Skool, a monthly membership with the full GlowUpOS Method curriculum, dispute templates, and community support.
I don't know anything about credit — is that okay?
That's exactly who we're here for. We meet you where you are and explain everything in plain language — no jargon.
Who is Melinda Garcia?
Founder of She Rises Financial Solutions — LMSW, BCCC, and CFSW. A Latina mom from South Texas who rebuilt her own credit from the ground up and now helps other working parents do the same.
Are you licensed and registered?
Yes. She Rises Financial Solutions LLC is registered and bonded in the State of Texas, operating in full compliance with CROA, TSR, FCRA, FDCPA, and the Texas Finance Code.
Do you serve clients outside of Texas?
Yes — services are available throughout the United States. All consultations are virtual, so location is not a barrier.
How do I get started?
Book your free credit strategy call, or DM us on Instagram or TikTok @creditmelinda. We respond to every message — usually the same day.
Still have questions? Let's talk.
Your free consultation is the best way to get answers specific to your situation. No cost, no commitment, no judgment.
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