About Us
Founder
Hi, I’m Ricardo Soto, a Certified Credit Consultant and the proud founder of The Financial ER. Since stepping into the credit industry, I’ve helped thousands of individuals break free from the weight of bad credit and step into financial freedom with confidence.
With years of experience, industry-recognized certifications, and a deep passion for educating others, I specialize in turning complicated credit challenges into simple, step-by-step strategies that actually work. My mission? To empower you with the tools, knowledge, and support you need to take control of your financial future—without the stress or confusion.
Whether you’re rebuilding, starting fresh, or striving for that 800 score, I’m here to guide you every step of the way.
Let’s revive your credit and rebuild your future—together.
The Financial ER Team is dedicated to improve the credit health of our clients’ credit file through a disputing process that is persistent and ethical. We do right by our clients and are committed to getting the best results to help clients achieve their financial goal through maintaining good credit and striving towards a debt free future. We are committed to provide updates and education that supports our clients’ future journey in the world of repairing and rebuilding their credit. Providing resources and a team that is ready and available to answer questions and cares for each case with a positive attitude.
The Mission
Our Approach
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Dedicated to improve the credit health of our clients’ credit file through a credit disputing process that is persistent and ethical.
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We do right by our clients and are committed to getting the best results to help clients achieve their financial goal through maintaining good credit and striving towards a debt free future.
-
We are dedicated to provide updates and education that support our clients’ future journey in the world of repairing and rebuilding their credit.
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Providing resources and a team that is ready and available to answer questions and care for each case with a positive attitude.
What happy customers have to say…
Every client’s credit case is different; results may vary and are based off not only our credit disputing approach but also the positive practices
and factors put in place by the client such as: Removing credit inquiries, Paying bills on time, and credit building actions..
“Just a few years ago I was in the same position as you. With years of experience; working as a banker, manager and in the sales industry; I have often witnessed so many hit rock bottom when it came to pursuing their financial goals. Feeling defeated by their past and not knowing where to start. Here I am today sharing the very tools that have helped me get on a path to healthy credit. It is a pleasure keeping my Financial ER community updated with the constant changing world of finances and credit restoration. Seeing so many people get started and see results keeps me going. Follow me on social media platforms where I share credit building tips and of course, my personal story.”
Ricardo Soto.