Coaches Available When You Need Them
Credit questions don't follow a schedule. Whether you're at a dealership considering an auto loan, received a credit card offer in the mail, or just want to understand something on your report—our coaches are available to help. No waiting days for a response.
Skip a Month When Needed
Life happens. Sometimes you need to pause your credit repair journey for a month—maybe you're waiting for documents, dealing with personal matters, or just need a break. With UniMas, you can skip a month without penalty. We're flexible because your life is flexible.
No Dragging Out the Process
Some companies stretch out credit repair to maximize billing. That's not us. Our goal is to help you achieve your credit goals as efficiently as possible. Our coaches keep you on track, not on a never-ending payment plan.
No Final Billing Surprises
When your credit goals are met and it's time to part ways, there are no hidden fees, no surprise charges, no pressure to continue services you don't need. Our pricing is transparent from day one through your final month.
What Our Coaches Help With
- Evaluating credit offers and pre-approvals
- Timing applications for minimal score impact
- Understanding credit report changes
- Negotiating with creditors and collectors
- Preparing for major purchases (auto, home)
- Building and maintaining credit habits
How to Reach Your Coach
As a UniMas client, you have multiple ways to reach your dedicated coach: phone calls during business hours, scheduled callback requests, email support, and our online client portal. We respond quickly because we know credit decisions often can't wait.
Bilingual Support
Our coaching team includes bilingual specialists fluent in English and Spanish. No matter which language you're more comfortable with, you'll get the same quality guidance and support.
When I was at the dealership about to sign for a car loan at 18% APR, I called my coach. She helped me understand I should wait 60 more days. That patience saved me $4,000 in interest.
Un cobrador me llamó ofreciendo "borrar la deuda de mi reporte" si pagaba el 40%. Antes de decidir, llamé a mi coach. Me explicó que era ilegal prometer eso y que la oferta probablemente era una estafa. Me salvó de perder $2,400.
I received a pre-approval letter for a credit card. My coach reviewed the terms and pointed out the 29% APR and $95 annual fee would hurt more than help at my current stage. Recommended waiting 3 months for better offers—she was right.
Estaba nerviosa negociando con un acreedor por primera vez. Mi coach me hizo un guión de exactamente qué decir, qué no decir, y qué pedir por escrito. Conseguí un acuerdo de pago que eliminaba el registro negativo. Nunca lo hubiera logrado sola.
My score dropped 15 points and I panicked. Called my coach immediately. She pulled up my report, saw it was just a new inquiry plus normal statement balance update, and explained it would recover in 30 days. Her calm advice stopped me from making rash decisions.
Tuve que pausar 2 meses porque me quedé sin trabajo. No hubo problema, sin cargos, sin drama. Cuando volví, mi coach tenía todo listo para continuar donde dejamos. Esa flexibilidad me quitó mucho estrés en un momento difícil.
The bilingual support was essential for my mom. She understood everything in Spanish and felt comfortable asking questions. I could be on the call too and we'd switch between languages naturally. Made the whole process so much easier for our family.
Iba a solicitar una hipoteca y quería asegurarme de que mi crédito estaba optimizado. Mi coach revisó todo conmigo la semana antes, me dijo que no abriera ninguna cuenta nueva, y hasta me recordó no mover dinero entre cuentas antes del cierre. Atención al detalle increíble.
Other companies I tried would take 3-5 days to respond to questions. My UniMas coach called me back the same day, every time. When you're dealing with time-sensitive credit decisions, that responsiveness is everything.
Cuando logré mis metas de crédito, esperaba que intentaran mantenerme pagando. Para mi sorpresa, mi coach fue quien me dijo que ya estaba lista y que no necesitaba continuar. Cero presión. Eso me hizo confiar aún más en ellos y los he recomendado a toda mi familia.
I had a question at 8pm about whether to pay off a collection before it hit my report. Left a message expecting to wait until morning. My coach called back within 20 minutes. That dedication is rare and made all the difference in handling the situation correctly.