Pretty Approved Credit Co.

Get your credit report working for you again.

We review your reports from all three bureaus, find the items that are inaccurate or can’t be verified, and dispute them for you, step by step.

Family owned in Laredo, Texas. Hablamos español.

How it works

No pressure and no surprises. You’ll know what we’re doing and why at every step.

  1. Free consultation

    We talk about your goals, whether that’s a home, a car or a lower interest rate.

  2. Report review

    We go through your Equifax, Experian and TransUnion reports line by line with you.

  3. Disputes sent

    We prepare and send disputes for items that are inaccurate, outdated or unverifiable.

  4. Monthly updates

    You see every bureau response and what changed, and we plan the next round together.

What we help with

Items we commonly review and dispute when they’re reported incorrectly.

Late payments

Wrong dates, wrong amounts or payments that were actually on time.

Collections

Duplicate accounts, debts that aren’t yours, or balances that don’t match.

Hard inquiries

Inquiries you never authorized.

Personal information

Old addresses, misspelled names and mixed-up files.

Charge-offs and repossessions

Accounts reported with errors in status, balance or dates.

Credit education

Simple habits for building and keeping good credit once your report is clean.

Meet the owners

Pretty Approved Credit Co. is a mother-and-daughter business based in Laredo, Texas. We work with you one-on-one to understand your credit report and build a plan you can stick to.

Gladys J. Garcia, co-owner of Pretty Approved Credit Co.

Gladys J. Garcia

Co-owner

Gladys is a licensed insurance agent and tax professional who also runs Income Tax & Health Solutions in Laredo. She has spent years helping local families with their taxes, health coverage and finances, and started Pretty Approved Credit Co. to help them build stronger credit too.

Direct: 956-701-7239
Shanelle A. Sermeno, co-owner of Pretty Approved Credit Co.

Shanelle A. Sermeno

Co-owner

Shanelle is an insurance and tax advisor and notary public who works with clients every day on Medicare, ACA coverage and tax appointments. She brings that same patient, step-by-step approach to every credit client.

Direct: 956-236-2429

Know your rights

We want you to make an informed choice, even if that means doing it yourself.

You can dispute errors yourself, for free.
You have the right to dispute inaccurate information directly with the credit bureaus at no cost. A credit repair company can’t remove accurate, timely information from your report.
No guarantees.
No one can legally promise a specific score or result. We work to have inaccurate and unverifiable items corrected or removed.
No payment before work is done.
We only bill for services after they’ve been performed.
You can cancel.
You may cancel your contract without penalty within 3 business days of signing, and you can stop service any time after that.

Book your free consultation

Send us a message or call, and we’ll set up a time that works for you.

Pretty Approved Credit Co.
2719 N. Meadow Ave., Suite 1
Laredo, TX 78040
Office: 956-568-0672
Gladys: 956-701-7239
Shanelle: 956-236-2429
prettyapprovedcredit@gmail.com

Monday to Friday, 9 AM to 6 PM (closed 12 to 1)
Weekends by appointment