Who We Are
Welcome to MatosCredit.com, your trusted partner in credit restoration, financial recovery, and structured credit improvement solutions. Founded by Lemay Matos Sr., we have been serving clients in financial services since 2009. Led by Lemay Matos Sr. and Zillie Matos, our team combines financial expertise, operational precision, and secure digital systems to deliver professional credit improvement services to individuals nationwide, including the U.S. Virgin Islands.
We operate as a fully virtual firm, allowing us to assist clients securely and efficiently across all 50 states. Our mission is to provide transparent guidance, structured dispute assistance, and responsible credit education that empowers clients to make informed financial decisions with confidence.
Comments
When visitors leave comments on MatosCredit.com, we collect the information shown in the comments form, along with the visitor’s IP address and browser user agent string. This information helps us detect and prevent spam and protect website integrity.
An anonymized string (hash) generated from your email address may be provided to the Gravatar service to determine whether you are using a Gravatar account. Once your comment is approved, your profile image may be publicly visible alongside your comment.
Media
If you upload images to MatosCredit.com, please avoid including embedded location data (EXIF GPS). Visitors may download and extract location information from uploaded images.
Cookies
If you leave a comment on our website, you may choose to save your name, email address, and website in cookies for convenience. These cookies last for one year to simplify future commenting.
When visiting our login page, a temporary cookie may be set to confirm your browser accepts cookies. This cookie contains no personal data and is deleted when you close your browser.
Upon login, we set cookies to save login details and display preferences. Login cookies remain active for two days, and screen preference cookies last for one year. Selecting “Remember Me” extends login persistence for two weeks. Logging out removes login cookies.
When editing or publishing content, an additional cookie may store the article ID. This cookie expires after one day and contains no personal data.
Embedded Content from Other Websites
Articles on MatosCredit.com may include embedded content such as videos or images from external websites. Embedded content functions as if you visited the external website directly.
These third-party sites may collect data, use cookies, implement tracking technologies, and monitor interactions with embedded content, particularly if you are logged into their platforms.
Who We Share Your Data With
We do not sell or share personal data with third parties except as required by law or necessary to provide requested services.
If you request a password reset, your IP address may be included in the reset email for security purposes.
How Long We Retain Your Data
Comments and related metadata are retained indefinitely to allow automatic approval of follow-up comments.
For registered users (if applicable), we store personal information provided in user profiles. Users may view, edit, or request deletion of their personal information at any time, except for usernames. Administrators may access this information solely for account management and service delivery purposes.
Your Rights Over Your Data
If you have an account or have left comments on MatosCredit.com, you may request:
• A copy of the personal data we hold about you
• The deletion of your personal data
Please note that certain data may be retained for legal, administrative, or security obligations.
Where Your Data Is Sent
Visitor comments may be processed through automated spam detection services to maintain website security and performance.
Consumer Disclosure Notice
(Credit Repair Organizations Act Disclosure)
Your Rights Under Federal Law
You have the right to dispute inaccurate information in your credit report on your own at no cost. You may contact the credit reporting agencies directly to challenge information you believe is inaccurate, incomplete, or unverifiable.
You also have the right to obtain a free copy of your credit report from each nationwide credit reporting agency once every 12 months through AnnualCreditReport.com.
You are not required to hire any company to improve your credit report.
No Guarantee of Results
MatosCredit.com does not guarantee:
• The removal of specific items from your credit report
• An increase in your credit score
• Approval for credit, loans, housing, or financing
• A specific timeline for results
All credit reporting decisions are made solely by credit reporting agencies and data furnishers. Outcomes vary based on individual credit profiles and creditor responses.
Right to Cancel
You have the right to cancel your contract with MatosCredit.com without penalty or obligation at any time before midnight of the third business day after signing the agreement.
Cancellation instructions will be clearly provided in your written service agreement.
Payment Policy
In accordance with federal law, MatosCredit.com does not charge or collect payment for services before those services are fully performed.
All fees, services, and terms will be clearly disclosed in writing prior to engagement.
Transparent Service Description
MatosCredit.com provides administrative assistance, document preparation support, and credit education services. We assist clients in organizing and submitting disputes regarding information they believe may be inaccurate or unverifiable.
We are not a credit reporting agency, lender, debt collector, or government entity.
Independent Action Option
You may contact credit reporting agencies directly to dispute items on your own. The major credit reporting agencies are:
• Equifax
• Experian
• TransUnion
You may also file complaints regarding credit reporting issues with the Consumer Financial Protection Bureau (CFPB).
Consumer Acknowledgment
By engaging MatosCredit.com, you acknowledge that:
• You understand your rights under federal law
• You understand that no specific outcome is guaranteed
• You are voluntarily choosing to receive professional assistance
Important Notice
You may improve your credit report by contacting credit reporting agencies directly at no cost. Hiring a credit repair organization is optional.