WELCOME TO MODESTO SOLUTIONS

Stop Being Denied. Start Getting Approved.

Whether you are securing capital for your business or purchasing your dream home, we structure your financial profile to meet strict lender requirements. Stop letting errors hold you back from the assets you deserve.

Are you an entrepreneur unable to access 0% business funding because of personal credit utilization or past derogatory items?

Have you worked hard to increase your income, only to be turned away by mortgage lenders over data that shouldn’t be there?

Are you paying double the interest rates on vehicles and insurance compared to your peers?

ABOUT US

I founded Modesto Solutions because I know the frustration of having the income to succeed but being held back by the paperwork. I realized that many ambitious people, entrepreneurs, sales professionals, and future homeowners, aren’t “bad with money.” They are simply victims of a reporting system prone to errors.

I didn’t start this firm to offer quick fixes. I started it to provide high-level compliance auditing and document preparation. My goal is to help you navigate the legal process of clearing your profile so you can walk into any bank, dealership, or closing table with confidence.

I believe financial restoration isn’t just about a score; it’s about unlocking your buying power.

HOW WE WORK

How Our Credit Repair and Restoration Works

The Road to 700+

The Audit

We analyze your report to identify Collections, Charge-Offs, and Inquiries.

The Strategy

We build a custom dispute plan tailored to your specific negative items.

The Attack

We send rounds of certified disputes to Bureaus, Creditors, and Collectors.

The Pressure

If they don't validate the debt, we demand deletion under the FCRA.

The Optimization

We guide you on lowering utilization and building positive history.

The Graduation

You achieve the score needed for funding, approval, and freedom.

WHAT WE REMOVE

We Specialize in Removing:

Collections & Charge-Offs (We aggressively challenge validation)
Late Payments (We audit reporting dates and accuracy)
Bankruptcies (Procedural & Data Accuracy Audit Only) ⚠️
Repossessions (We check for proper deficiency notices)
Hard Inquiries (Unverified or non-account related)
Student Loans (Reporting Compliance Checks Only) ⚠️

Elite Restoration. Real Results.

Most "repair" companies just send generic letters. At Modesto Solutions, we treat credit restoration as a legal process.

We audit the credit bureaus to ensure every item on your report is 100% accurate, verifiable, and timely. If it’s not, it must be deleted. Whether you are looking to buy a home or secure business funding, we clear the path.