Credit repair, money coaching, tax preparation, and notary services from Melinda Garcia, a licensed and certified financial social worker. In English or Spanish, every step of the way.
She Rises is a Texas-registered Credit Services Organization.
| Essentials | Signature | Money Coaching | DIY AI Tool | |
|---|---|---|---|---|
| Best for | Straightforward reports, tight budget | Collections, complicated files, buying a home or car | Credit is okay, money isn’t | Tight budget, willing to mail letters |
| Who writes disputes | Our AI system, mailed for you | My credit team, custom letters | — | The AI, from your report. You mail them. |
| Advanced strategies | Standard bureau disputes | Metro 2, method of verification, creditor-direct, goodwill | — | — |
| Progress tracking | Client portal | Monthly branded progress report | Written plan | Your own tracking |
| 1:1 time with Melinda | Email support | Monthly 15-minute check-in, priority support | Every session | Not included |
| Wealth Circle access | Included | Included | Included | Included |
| Investment | $49 per round. No first work fee. | $150 first work fee, then $150 per round | $150 / 3 sessions or $99 single | $29/mo + SmartCredit |
| Start Essentials → | Sign up for $0 → | Book coaching → | Start for $29 → |
Done-for-you
Pick the plan that fits your file and your budget. Either way, we do the disputes for you, and you pay nothing until your first letters are mailed. Rounds go out about once a month.
Essentials
Smart Credit Repair $49/roundSame price every round. No first work fee.
My AI-powered system builds and sends your dispute letters every round. Fast, consistent, and budget-friendly.
Best for: Straightforward reports, tight budgets, and self-starters.
Start EssentialsSignature
Expert-Led Credit Repair $150/round$150 first work fee, charged after round 1 is mailed. Then $150 per round.
My credit team handcrafts every letter and uses advanced strategies built for tougher files and bigger goals.
Best for: Collections, complicated files, or a home or car purchase coming up.
Sign Up For $0 TodayYou’re only charged after each round’s letters are mailed.
Not sure which plan fits? Book a free consultation and we’ll review your report together.
No advance fees. Month-to-month, cancel anytime. You may cancel within 3 business days of signing. Results vary; no outcome is promised.
Money coaching
Budgeting, debt, and the habits, stress, and family pressure behind your money decisions.
One hour on your budget, debt, or loan readiness. Upgrade to the package anytime.
Book a Single SessionCan’t do done-for-you yet?
Upload your credit report and get custom dispute letters based on your FCRA rights. Print, sign, and mail them, with new letters every month. Your progress carries over if you move to done-for-you later.
Requires a SmartCredit account ($29.99/mo, billed separately). Results vary.
Start My $29/mo Membership →New at She Rises
Bilingual tax prep for working families, students, and self-employed. Family returns include the Rise Bundle: 90 days of done-for-you credit repair, free. Now booking the 2027 season.
Texas Notary Public serving the Rio Grande Valley in person. Remote online notarization is coming soon.
Book a NotaryWhy a social worker?
Financial social work looks at every link in that chain. I bring a clinical license together with credit, tax, and money strategy, so we fix the problem and what caused it.
Read Melinda’s Story →She Rises Financial Solutions is a registered Credit Services Organization in the State of Texas. We do not charge advance fees for credit repair services not yet performed. You may cancel your contract without penalty within three business days. No credit repair company can legally remove accurate, verifiable, and timely information, and no score increase is guaranteed. You have the right to dispute inaccurate information directly with the credit bureaus for free. Tax preparation and notary services are separate from credit repair; enrolling in one is never required to receive another. Our Texas Notary Public is not an attorney and cannot give legal advice.