WELCOME TO Mind On Billions
Personalized Credit Repair Services + Trading
Credit Evaluation
Know exactly where you stand with a detailed breakdown of your current credit profile.
Set a Goal
Define a clear credit goal — whether it's a 700+ score, home loan approval, or high-limit credit cards.
Get Results
Follow your personalized credit action plan and start getting funded and trading
ABOUT US
Rebuild, Repair & Improve Your Credit Score, and trade!
Take control of your financial future with expert credit repair services designed to remove negative items, boost your score, and unlock real opportunities — from car loans and credit cards to homeownership and business funding to trade!
Credit Repairing
Fix and build your profile
Credit Repair Services
We help individuals fix, build, and optimize their credit profiles so they can qualify for better financial opportunities — from credit cards to cars, homes, and business funding.
Credit Report Analysis
Dispute & Deletion Services
Credit Profile Optimization
HOW WE WORK
How Our Credit Repair and trading Works
Review Credit Reports
Carefully review your credit reports from all three major bureaus to identify inaccuracies, outdated accounts, or negative items affecting your score.
Fix or Dispute Errors
Dispute any inaccurate, unverifiable, or outdated items like late payments, collections, or charge-offs to clean up your credit profile.
Pay Your Bills On Time
Your payment history makes up 35% of your credit score. Set reminders or use autopay to make sure bills are always paid on time.
Pay Down Outstanding
Lowering your credit utilization ratio (ideally below 30%) is one of the fastest ways to boost your score.
Keep Old Cards
Length of credit history impacts your score. Keep older cards open—even if you don’t use them—to maintain a strong average account age.
Watch the Progress
Monitor your credit monthly to track improvements, spot any new errors early, and stay motivated on your credit-building journey. Use this money to make more money
CASE STUDY
Discover Our Credit Repair and Restoration Works
Business Analytics
Business
Strength Solutions
Investment
Business Planning
Trade consulting
WHY CHOOSE US
Benefits of Better Credit Score and Restoration
Approval for Higher Limits
Unlock larger credit lines and 0% funding faster.
Qualify for Better Options
Upgrade your credit profile to unlock better interest rates, terms, and lender options.
More Negotiating Power
Build a credit profile that puts you in control — not the lenders.
PRICING PLAN
Choose Your Best Plan To Get Our Services
Starter Plan
3-bureau credit report analysis
Personalized dispute letter templates
Step-by-step DIY credit repair guide
Credit score tracker (manual)
Access to monthly educational newsletter
Email support (3x per month)
Basic Plan
Everything in Starter Plan
1-on-1 onboarding call
Monthly live Q&A sessions
Customized dispute strategy created for you
Letters reviewed by our experts before you send
Budget & credit card utilization strategy
Ongoing credit score monitoring integration
Priority email + chat suppor
Premium Plan
Everything in Pro
Full-service credit repair — we do all the workUnlimited
Debt validation with collectors
Monthly progress reports
Personal credit coach
Access to our credit builder resources
Access to our credit builder resources (secured cards, tradelines, etc.
Priority phone, email & SMS suppor
OUR TEAM
Nes vALEZQUEZ
Chief Executive Officer
Sarah Odegard
President of Finance
Lars Jakuba
Executive Vice President
Mikey Diokles
Credit & Sales Manager
TESTIMONIALS
Our Client Reviews
Education is the passport to the future, because tomorrow belongs to those who prepare for it today. This belief drives our mission in the credit repair space — helping individuals educate themselves to build stronger financial futures and gain access to real opportunities
John Beli
Education is the passport to the future, for tomorrow belongs to those who prepare for it today. We believe in this deeply, especially when it comes to credit repair — helping people gain the knowledge they need to secure a better financial future
Holing Tums
Developer