Welcome to Momentum Scores

A FRESH START FOR
YOUR CREDIT SCORE
IS HERE

Request a Free Credit Analysis

Allow our team to form a concise plan of action for you.

We respect your privacy.

momentumscores.com

Reach Financial Goals

We help you identify and dispute inaccurate, unverifiable, or unfair items — empowering you with clarity, strategy, and support. Services are provided on a case-by-case basis

Find Out Your Options

No more receiving bad news of being denied for important loans!

Best Credit Cards

The best credit cards available today demand a high credit score, you’re almost ready to enjoy the best reward programs for you and your family!

Our Founders

Meet Stephany & Javier

Stephany and Javier were raised in Utah with a shared passion for helping others achieve financial goals. Since 2018, they’ve mastered strategies for restoring credit files and guiding clients toward financial freedom.

With veteran-level experience, they apply consumer protection laws — such as the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA)— to help clients challenge inaccurate reporting and navigate the credit process.

Beyond credit repair, they’re seasoned entrepreneurs with over a decade in business, running multiple ventures and keeping customer satisfaction at the center of everything.

Stephany and Javier, founders of Momentum Scores, meeting with a client

Partners

We Work With

TransUnion
Experian
Equifax
CreditStrong
Self Financial
Ava
Credit Hero Score
Identity IQ
Smart Credit System
myEcon
TransUnion
Experian
Equifax
CreditStrong
Self Financial
Ava
Credit Hero Score
Identity IQ
Smart Credit System
myEcon

How we do it

Our 3 Step Process

Step 1

Review With Your Authorization

With your authorization we can access your most recent and accurate credit reports using a nationally trusted credit monitoring service.

From there, we analyze the negative items and overall history so we can build a custom game plan for your profile.

Step 2

Easy enrollment with our team

Once you’re ready, we’ll onboard you with a streamlined, online enrollment—no confusing paperwork or back-and-forth.

You’ll know exactly what to expect, what we’re working on, and how we’ll keep you updated as your file improves.

Step 3

We Handle Dispute Communication

We prepare and send challenges on your behalf and keep you informed — your participation and responsiveness help make the process effective.

While we do the heavy lifting, you focus on your goals.

In-depth Credit Analysis

Receive a Free Credit Analysis

Our highly trained credit specialists are ready to analyze your credit reports and quickly spot the negative or inaccurate accounts that are hurting your score.

As much as we’d love to jump straight into restoring your credit, we can’t build a real plan of action until we know exactly what’s on your reports.

It only takes a few minutes, and we don’t charge for our analysis—while many credit consultations start at $100+ an hour with a credit attorney.

Deleted items and credit bureau letters after successful disputes
Get my Free Credit Analysis

Client stories

Real Clients. Real Experiences.

Momentum Scores has helped clients across the country remove inaccurate accounts, rebuild their profiles, and get closer to the life they want.

Collection cleanup

“I had collections and late payments following me everywhere. Momentum Scores didn’t sugarcoat anything — they told me exactly what was holding me back and went to work. For the first time in years, my credit finally stopped feeling like a dead end.”

Jessica R.
No longer held back by old collections*
Home Buying Prep

“Stephany and Javier broke everything down and gave me a clear plan. I went from feeling stuck to finally feeling confident having real conversations about buying a home.”

Michael T.
From uncertainty to home-buying confidence*
Fresh start

“I was embarrassed by my credit when I started. Month by month, things finally started moving in the right direction. More than anything, I understood what was happening and why — and that changed everything.” ”

Danielle S.
Finally seeing positive momentum again*
Business goals

“Cleaning up my personal credit gave me options I didn’t have before. Momentum Scores gave me structure, direction, and a real roadmap instead of guesswork.”

Carlos M.
Opened the door to bigger opportunities*

*Individual experiences vary. Momentum Scores does not guarantee specific results. Outcomes depend on each client’s unique credit profile, participation, and creditor responses.