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Smart Financial Choices

Discover how our expertise can guide you towards financial prosperity.

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Our Story

PuntaVana, Credit and Financial Service, we are committed to empowering individuals and families through expert financial guidance. Our mission is to elevate financial literacy, improve credit scores, and create a pathway to generational wealth. With a focus on education and support, we aim to transform financial futures and build enduring financial stability.

Client Testimonials

See what our clients have to say about their success with us.

“I thought my credit was beyond repair, but Puntavana proved me wrong. In just 90 days, my score jumped over 120 points and three negative items were removed. Now I’ve qualified for a car loan with a real bank — not a sketchy finance company. I can’t thank this team enough!”
— Derrick H., Riverside, CA

My credit is really bad. How long will it take to fix it?

It depends on what you mean by "really bad". If your FICO is below 600, it will usually take a year or longer to get you the results you're looking for. If your FICO is over 600, it may take 6 to 9 months to get your credit back on track. We generaly do not work with anyone in under 6 months because it usually takes a few months just to get in sync with the credit bureaus and creditors that you have.

How much will it cost to fix my credit?

We offer two terms: 6 months or 12 months. Those with a credit score below 450 may need more than a year but the term can be renewable at that time. If you use an attorney, your cost will be at least $2,500 or more. We offer an affordable monthly rate of $149 which is fully guaranteed. This means that if your credit does not improve, we offer you a money-back guarantee on our work.

What if I don't want to wait 6 months or a year to have my credit fixed?

We offer our Rapid Delete service which is for those of you who are in a hurry to have negative accounts removed off your credit immediately. While some accounts can be removed in 72 hours, may will take 15 to 30 days to have them removed. However, this option is quite expensive and will cost around $500 per account you want to use our Rapid Delete service. If you have several accounts for Rapid Delete, it will cost you thousands of dollars.

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