+156 / +226 / +168 points
Client completed 3-session package · applied recommended strategy across all bureaus · April 2026.
Credit Consulting · From Texas to all of the U.S. · Bilingual
Your credit.Your future.Consulted with clarity.
A private bilingual credit consulting practice for families who want the strategy, the education, and the clarity to take informed action on their financial future.
Consulting firm · Bilingual advisory · FCRA-educated methodology
- Repair
- Build
- Advance
Why you're here
If any of this sounds familiar, a strategy call is the next step.
Most clients book their first call feeling some version of this. The diagnosis is rarely what they expect, and the path forward is always more concrete than they imagined.
- 01
Denied credit and no one explained why
A consultant reads your report the way a lender does. We'll show you exactly which factor sank the application.
- 02
Collections or late payments dragging your score
We diagnose which items are likely disputable under FCRA and map your action plan.
- 03
Ready to buy a home but the score isn't there yet
We'll map your path from current score to mortgage-ready, with a timeline you can trust.
- 04
Tried other companies and felt unheard
Consulting is different. You're in the room for every decision because every decision is yours.
- 05
ITIN holder and banks act like you don't exist
Our ITIN advisory covers what most firms don't even know exists.
- 06
Identity theft items on your report
We'll educate you on the §605B and §609 protocols and coach you through execution.
- 07
Paying high interest, know you deserve better
Every 50 points cuts your APR. We'll tell you which 50 points to chase first.
- 08
Want to build generational wealth
Credit is step one. Consulting is how you map the rest.
Three ways to work together
Three ways to work with Finance by MD.
01· Most chosen
Credit Consulting
Work 1-on-1 with Mariangela. A fixed-scope consulting engagement where we diagnose your three-bureau report, build your strategic action plan, and coach you through execution. You leave each session with specific, documented next steps, and the FCRA-grounded reasoning behind each one.
- Foundational Diagnosis
3-bureau diagnosis · written strategy report · 1 strategy session
- Strategic Consulting★ Most chosen
Diagnosis · 3 sessions over ~3 months · WhatsApp access
- Comprehensive Advisory
Diagnosis · 6 sessions over ~6 months · 30-day post-engagement advisory
02· Self-paced
The Credit Academy
For clients who want the full education without ongoing 1:1 consulting. A self-paced bilingual curriculum that teaches the FCRA framework, the architecture of a strong credit profile, and the methodology we use in our consulting practice. Includes one 1:1 strategy session at enrollment.
- Full 3-module curriculum
- 1 strategy session with Mariangela (60 min)
- Templates, worksheets, reference guides
- Bilingual video training library
- Lifetime portal access
- Private student community
03· Continued support
Advisory Retainer
For graduated package clients who want continued advisory support. A monthly retainer that includes quarterly report reviews, ongoing strategy check-ins, and priority WhatsApp access for questions as life happens. This isn't credit repair; it's having a credit consultant on call.
By invitation / graduation only
Learn moreHow consulting works
How a consulting engagement works.
Transparent. Structured. On your calendar. No guesswork.
01
Strategy Call
Free 30-minute call. We review your situation, confirm fit, and recommend the right package.
02
Engagement Letter & Payment
Clear, written scope of what we will and will not do together. Payment plans available.
03
Report Pull & Diagnosis
You pull your 3-bureau report through SmartCredit. We analyze it line by line.
04
Written Strategy Report
You receive a personalized written document with findings, priorities, and recommended actions.
05
Consulting Sessions
Scheduled sessions where we coach you through execution. You act; we advise.
06
Closure & Continuity
Engagement closes with a written summary. You decide whether to graduate to Advisory or self-maintain.
Founder & Lead Consultant
Mariangela Dominguez
Founder, Finance by MD
I built Finance by MD because I watched too many families in my community get stuck, denied for a home, a car, the life they worked for, and told it was their fault.
It's rarely their fault. Most of the time, nobody ever sat down with them, in a language they trusted, and walked them through how the system actually works.
That's what I do now. I consult with families on their credit. I diagnose, I strategize, I coach, and I teach. My clients make every decision. My job is to make sure every decision is informed.
Mariangela D.
Read the full story“Good credit is not a score. It's a door. My job is to help you open it.”
Mariangela Dominguez · Finance by MD
Client outcomes
Real clients. Real consulting. Real outcomes.
Every screenshot below is from a real consulting client of Finance by MD. Our clients make every move on their own credit, we provide the diagnosis, strategy, and coaching. Shared with permission.
0+
Clients Served
+0
Avg Score Increase
0%
Client Satisfaction
Score increases
Real before-and-after scores.
Verified Client · 3 bureaus tracked
+25 / +114 / +145 points
Client-led work after consulting engagement · February 2026 · TransUnion landed at 723.
+27 / +32 / +20 points
Maintenance round on Advisory Retainer · February 2026 · scores held in the 760s.
+15 / +26 / +15 points
Steady-build phase guided by consulting plan · December 2025 · TransUnion at 748.
+55 / +48 / +53 points
Recovery work after applying §611 strategy from session notes · January 2026.
Client-led disputes
Inaccurate items, removed by clients.
14 items deleted in a single round
Client-led dispute round after consulting engagement · Collections marked deleted across Experian and TransUnion, including a $457 CBE Group account.
Three accounts removed from TransUnion
Client outcome following consulting package · applied FCRA §611 strategy with our guidance, BK of Amer ($5,773), Capital One ($289), Pentagon FCU ($9,435).
In their own words
Messages from clients.
“Mariiiiii!!! My score went up so much, are we ready to apply now???” · 788 FICO · +144 pts.
“Thank you so much for your professionalism… I'm so grateful.”
Frequently asked
Questions, answered.
Before your strategy call
Pull your credit report.Know exactly where you stand.
Before your strategy call, or anytime you want a clear picture, pull your full 3-bureau report through SmartCredit. It's the tool we use in every consulting engagement: Experian, Equifax, and TransUnion in one place, with daily score tracking.
- Full 3-bureau report (Experian · Equifax · TransUnion)
- Daily score updates and alerts
- Identity theft monitoring built in
- Cancel anytime, yours to keep using
SmartCredit · Partner
3-bureau report.
One simple step.
Affiliate link: Finance by MD may earn a small commission if you sign up. It costs you nothing extra and helps support our practice.
Already have it? Bring it to your strategy call.
Your next step
30 minutes.No cost. No pressure.Strategic clarity.
Book a private strategy call. We'll review your situation, confirm whether consulting is the right fit, and map your next move together.
Because credit isn't just a number. It's access.
🔒 Your info is never shared or sold.
