Meet Our Credit Repair Team

Credit By Fer

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Even with industry-leading customer service and the latest cutting-edge technology, we remain one of the lowest priced programs available.


Our programs provide clients unlimited personalized disputing to both the credit bureaus and also to your creditors. We’ll write customized dispute letters and send them to each major credit bureau


At Credit By Fer we proudly offer a 100% Service Satisfaction Guarantee. Just like our service, our Refund Policy is effective from day one. We provide a satisfaction guarantee. If you do not see any results within 90 days we will provide a full refund.



Under various consumer protection laws, we demand validation and verification of potentially erroneous information from the credit bureaus, creditors, and collector agencies to begin your credit restoration process. Our experienced experts take care of the work for you. Using a proven system that will get you the results you want in the fastest time possible, we do the work so you can sit back and enjoy the results!


Everyone’s financial situation doesn’t always require credit repair. It is however extremely important to audit your credit reports before applying for credit. When we conduct the credit audit we see the same information your potential creditors will be reviewing and analyze your accounts reporting the same way they would when determining if they will grant you credit. Getting a credit audit will give you a chance to correct any errors or make other moves to improve your credit score before applying.


Is your business Credit Worthy? Are you an entrepreneur or small business owner who understands the importance of building business credit and obtaining funding without putting personal credit or personal assets at risk? Designed from the practical, real-world needs we see every day among entrepreneurs and small business owners, our national step-by-step Business Credit Building System and funding engine, which serves over 52,000 entrepreneurs, small business owners, finance professionals, real estate investors, and non-profit organizations, is the premier program to help you build a creditworthy business and obtain the funding you need without having to put your personal assets at risk every time.

About Me

My name is Fernanda Zapata, Founder and owner of Credit By Fer.. As a young girl, I embodied a tunnel vision to become very wealthy & successful. Various ideas and opportunities aroused my interests over the years so I started with a step stool which led to the ladder that has landed to my current status. Throughout the years of trials and tribulations of the business aspect, it became apparent that “creditworthiness” was…is…. & will continue to remain to be the key factor to obtain a successful & wealthy lifestyle. With that being said…I made “credit” and “finances” my focal point. Having adequate credit has flourished my entire lifestyle and well being. It is an awesome feeling to “need” and/or “want” something with the security that the outcome will be “APPROVED” instead of “DENIED”.

I had an epiphany that navigated the vision of my business. I found my way out of the dark into the light. The exact passion, knowledge and discipline that I applied into my own life will help many others on a new path of building onto a solid foundation of financial wealth! It’s a liberating and awesome feeling to play a huge role in creating financial structure to many clients from all walks of life.

Credit By Fer is committed to your journey to financial freedom to relinquish the confidence into yourself, dependents and lifestyle. We look forward to working with you…where we all meet at the top!


Expect Respect. If you have had the unfortunate experience of derogatory credit you are not alone. We understand and will not talk down to you, or disrespect your situation in life – we are here to help.
Honesty is the Key. When using services like credit repair, there are sometimes unrealistic expectations. This is very true with results and outcomes. We strive to be upfront and honest with you about your services and what to expect.
Maximum Effort. You deserve someone in your corner who will fight hard for your credit. As professionals, we pride ourselves in giving you everything we have and then some.


We know that enjoying the finest things in life is important to you and your family. As a result of this, we will utilize our expertise to help you restore, rebuild and raise your credit score, so that one day you will become creditworthy again.

Our number one priority to our customers is to help them get their financial life back. We do this through constant education on the process of raising your credit score, rebuilding credit, debt settlement when needed and dealing with debt collectors. We believe that education is the key to restoring your credit.

We are here to assist you with getting the things you want in life. Navigating the credit repair maze can be very challenging if you are not aware of all of the laws that regulate collectors, creditors and credit bureaus. Our job is to take that heavy burden off of your shoulders and do all of the work for you so you can approve again.