Welcome to Alpha Credit Solutions!

At Alpha Credit Solutions, we help individuals take control of their financial lives.

With 9 years of experience in credit repair and a personalized approach, we guide our clients toward stronger credit, better financial opportunities, and a brighter future.

Our mission is to make credit repair simple, empowering, and accessible for everyone.

This Months Promotion!

Step by Step

Consultation

Your consultation begins with a secure credit-monitoring setup, giving us real-time access to your credit report so we can identify errors and create a personalized game plan.

Click the Identity IQ tab to get started.

 

Sign up process

After you sign up and activate your credit monitoring, we’ll go over your report and build a custom plan designed to move you closer to your financial goals.

 

Ongoing Support & Progress Updates

We keep you updated every month, monitor your progress, and equip you with proven strategies to strengthen your credit.

You’ll also get full access to your personal client portal, where you can track real-time updates, results, and dispute actions.

 

Free Credit Review

If you have questions about your credit report, we can provide a clear review and explanation of your accounts. Whether you’re seeking general information or a second opinion—even if you’re working with another credit repair company—we’re here to help.

Why choose us?

At Alpha Credit Solutions, you're not just another client — you’re a project I personally commit to until we see real results.

With years of hands-on credit repair experience and a deep understanding of FCRA laws, I don’t rely on cookie-cutter letters or automated dispute systems.

I target each negative item with precision, strategy, and legal accuracy, the same way I’ve helped countless clients rebuild their financial foundation.

 

I work differently than most credit repair companies:

  • Personalized, aggressive dispute strategies — every negative item is challenged using real law and real violations.

  • Full transparency — you always know what’s being disputed, why it’s being challenged, and what the bureaus are legally required to do.

  • Direct communication — no call centers, no outsourcing. When you work with me, you work directly with me.

  • Relentless effort — I work overtime when needed to get you results and fight for your credit rights every step of the way.

  • A proven track record — clients consistently see real score increases, removals, and long-term credit improvement.

 

Most importantly, I care about your success like it’s my own.

I built Alpha Credit Solutions on honesty, aggressive action, and the belief that everyone deserves a fair chance at strong credit — and I’m here to fight for that chance with you.

At Alpha Credit Solutions, we don’t just talk about credit — we get results!

Our clients see real improvements, with credit scores reaching 740+ across all bureaus.

Using proven strategies, personalized dispute methods, and ongoing support, we help you build a stronger financial foundation.

Take a look into our pictures to see real updates from clients and start taking control of your credit today.

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Rating: 5 stars
28 votes

Frequently Asked Questions

How fast will I see results?

Every credit situation is unique, so results can vary. Many of our clients begin to see changes within 30–90 days, but it depends on the types of items being disputed and how quickly the credit bureaus and creditors respond. What I can promise is that we work consistently and diligently on your file every month to ensure the best possible outcome as quickly as possible. Credit repair is a process, but we'll be right by your side each step of the way.

What if my credit score is very low?

A low credit score is exactly why we're here to help. Many of our clients come to us with challenged credit, so you're not alone. No matter where you're starting, our goal is to help improve your credit profile by addressing inaccuracies, building positive credit habits, and guiding you step-by-step through the process. With time, consistency, and the right strategy, progress is absolutely possible.

Can credit repair help me get approved for a home or car?

Yes, Improving your credit makes it easier to qualify and can also help you secure better interest rates. Many clients come to us specifically to prepare for major purchases.

Can you help me even if I’m not in your area?

Yes, absolutely! We proudly help clients all across the United States. Our process is fully remote and secure, so you can sign up, receive updates, and get support from anywhere. No matter where you live, we’re here to guide you and make your credit journey as smooth and stress-free as possible.

Do you offer payment options for a 6-month or 1-year plan?

Yes, we do! We offer flexible payment options for both our 6-month and 1-year plans. This allows you to lock in long-term support while choosing the payment style that works best for your budget. Our goal is to make the process simple, affordable, and stress-free for you.

⭐️⭐️⭐️⭐️⭐️
"I was stressed and didn’t know where to begin with my credit. Alpha Credit Solutions made the whole process simple and gave me hope again. They guided me step-by-step, and now my score is improving and I feel in control of my finances. Thank you!"

-Amber Davila

Privacy Policy

Last updated: January 2025

Alpha Credit Solutions LLC ("we," "us," or "our") is committed to protecting your privacy and the security of your personal information. This Privacy Policy explains how we collect, use, store, and safeguard your information when you visit our website, use our services, or communicate with us.

By using our website or services, you agree to the practices described in this Privacy Policy.

 

 

1. Information We Collect

We may collect the following types of information: We may collect the following types of information:

A. Personal Information

Information you voluntarily provide, including:

  • Full name

  • Address

  • Phone number

  • Email address

  • Date of birth

  • Social Security Number (required for credit disputes)

  • Identity documents (state-issued ID, driver's license, or temporary ID with a photo)

  • Utility bill (the address on the ID and utility bill must match)

  • Additional verification documents when needed

  • Credit reports and credit-related information

  • Banking or financial documents voluntarily submitted by you

B. Payment Information**

We accept payment through:

  • Cash

  • CashApp: $david25ACS

  • Zelle: (956) 346-7114

We do not directly store your full payment details when using CashApp or Zelle. These third-party services may collect and store their own data under their respective privacy policies.

C. Automatically Collected Information

When you visit our website, we may automatically collect:

  • IP address

  • Device information

  • Browser type

  • Pages viewed

  • Referral source

  • Basic analytics data

This data is used for site functionality and improvement.

 

 

2. How We Use Your Information

We use your information for the following purposes:

  • To provide credit repair and credit education services

  • To analyze your credit reports and identify inaccurate or unverifiable information

  • To prepare and send dispute letters to credit bureaus and creditors

  • To communicate updates, results, or required documents

  • To process payments for services

  • To maintain internal records for legal and compliance purposes

  • To improve website performance and customer experience

We do not sell, rent, or trade your personal information.

 

 

3. How We Protect Your Information

Your information is securely stored using:

  • Encrypted storage systems

  • Restricted access controls

  • Confidential internal processes

  • Secure communication procedures

Only authorized personnel may access your sensitive information.

 

 

4. Sharing Your Information

We may share your information only when necessary, including:

  • With credit bureaus (Equifax, Experian, TransUnion) to submit disputes

  • With creditors or collection agencies for dispute purposes

  • With third-party service providers used for credit monitoring or document storage

  • When required by law, court order, or government request

We do not share your information with banks or lenders unless explicitly authorized by you.

 

 

5. Payment Processing and Bank Policy Notice

Many banks and traditional merchants impose restrictions on credit repair transactions because our services challenge inaccurate reporting by those same institutions.

For this reason, we use alternative payment methods such as:

  • Cash

  • CashApp ($david25ACS)

  • Zelle (956-346-7114)

These payment platforms follow their own privacy and security standards. We recommend reviewing their policies directly.

Alpha Credit Solutions LLC does not store your bank login information, card numbers, routing numbers, or full account details.

 

 

6. Your Rights

Depending on your state and applicable laws, you may have the right to:

  • Access the personal information we hold about you

  • Request corrections to inaccurate information

  • Request deletion of certain personal data (subject to legal and service obligations)

  • Limit or object to processing

  • Receive copies of your data

To submit a request, contact us using the information below.

 

 

7. Data Retention

We retain your information only as long as needed to:

  • Provide active services

  • Maintain account records for compliance

  • Meet legal or regulatory requirements (such as dispute history)

Once information is no longer needed, it is securely deleted.

 

 

8. Minors

We do not knowingly collect or process information from individuals under the age of 18. If we discover such information, it will be deleted.

 

 

9. Third-Party Links

Our website or Linktree (linktr.ee/alphacreditsolutions) may contain links to third-party sites. We are not responsible for their privacy practices. Always review those policies separately.

 

 

10. Updates to This Privacy Policy

We may update this Privacy Policy when necessary to reflect changes in laws or business practices. Updates will be posted with a revised "Last Updated" date.

 

 

11. Contact Information

For questions or privacy-related requests, please contact:

Alpha Credit Solutions LLC
Owner: David Ricarte
Phone: (956) 346-7114
Email: alphacreditsolutions1@outlook.com
Website: alphacreditsolutions.com

Disclaimer

Alpha Credit Solutions LLC is not a law firm, financial institution, or credit bureau. We do not provide legal advice, tax advice, or financial counseling. All information provided on this website, in consultations, or through our services is for educational and informational purposes only.

Results vary for every client.
We do not guarantee any specific outcomes, credit score increases, credit approvals, or the removal of any particular item from your credit report. The credit repair process depends on individual credit histories, credit bureau responses, creditor cooperation, and client participation.

We do not remove accurate, verifiable information from credit reports. Only items that are inaccurate, unverifiable, or outdated may be eligible for dispute under the Fair Credit Reporting Act (FCRA).

All clients must maintain active credit monitoring for the duration of services. Failure to do so may delay or impact results.

Past results do not guarantee similar outcomes.
Any testimonials, examples, or success stories on this website or in marketing materials represent individual experiences and are not typical for every client.

Your participation matters.
Clients are responsible for providing accurate personal information, following recommendations, and submitting required documents in a timely manner.

By using this website or our services, you agree that Alpha Credit Solutions LLC is not liable for any damages, losses, or outcomes resulting from the credit repair process, credit bureau actions, creditor responses, or third-party services.

Refund & Cancellation Policy

Last updated: January 2025

At Alpha Credit Solutions LLC, we value transparency and fairness. Please review our Refund and Cancellation Policy below.

 

 

Refund Policy

We do not offer refunds for any services provided.

Because credit repair requires time, preparation, analysis, and ongoing dispute work that begins immediately upon onboarding, all payments are final.

 

 

Cancellation Policy

You may cancel your service at any time.

To cancel, you must notify us through one of the following:

All services rendered before the cancellation request remain billable and are not eligible for refund.

 

 

Service Discontinuation

Upon cancellation:

  • All active disputes will stop

  • Monthly updates will no longer be provided

  • Your client portal access (if applicable) may be closed

  • You may restart services at any time by re-enrolling

 

 

Client Agreement

By using our services or submitting payment, you acknowledge and agree to this Refund & Cancellation Policy.

If you would like this policy added to your website, client contract, or formatted for signature, just let us know.

FCRA & U.S. Code Compliance

Alpha Credit Solutions operates with full adherence to FCRA and U.S. Code standards, giving you credit repair services that are both effective and legally compliant.

About us

Based in Brownsville, TX, Alpha Credit Solutions LLC helps clients across Texas—and beyond—take control of their credit with personalized, results-driven strategies. From boosting scores to removing errors, we work diligently to strengthen your financial health while strictly following all FCRA and U.S. Code guidelines. We also assist out-of-state clients, ensuring all actions comply with the credit laws of the state in which they reside. Our goal is to guide you toward a brighter financial future—because your path to better credit should be legal, ethical, and effective.