Our story

Don't get scammed like I did.
Freddy, founder of CredOra
I didn't start in credit. I started in cars. Then I got scammed out of everything I built, and got scammed again trying to come back. This is how that turned into CredOra.
WrapCentral
Before credit, I built WrapCentral, a premium vehicle wrap shop. Our clients were celebrities and pro athletes, and our work got featured by UNILAD and ESPN. I built it from the ground up.
Scammed out of it
About 18 months in, I lost the business to a scam. Everything I'd built, gone. When that happens, your credit takes the hit right along with you.
Scammed again
Trying to rebuild, I went looking for help and found a guy calling himself the "King of Credit and Funding." He talked a big game. I paid. Money gone, nothing done. Same story, second time.
Learning the law
So I stopped trusting other people with my credit and learned it myself. Books, courses, the gurus, and then the law itself.
That's where I found out the truth: you have real rights, and most of the errors on credit reports are in the details nobody checks. I fixed my own credit first. Then friends and family started asking, and I did the same for them.
The first house
My first outside client bought a house. That's when I knew this was real.
For the next two years I never advertised. Every client came from a lender or a past client who sent them my way. I also spent years consulting inside the credit and financial services industry, so I saw how the other side works too.
CredOra
Then I built the company I wish I'd found when I needed it, and our own software to run it the right way. Every letter written from scratch. Every mailing tracked. Every deadline watched. And you see all of it.
What I promise you
- No fees before the work is done. That's the law, and we follow it.
- You read and approve every letter before it goes out.
- Every mailing is tracked, and you get the receipts.
- No CPNs, no shortcuts, no fake guarantees.
- If you don't need credit repair, we'll tell you. Free.
Nobody is doing to my clients what was done to me.
Let's look at your file together, free. No pressure, no pitch.
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