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Your credit is
holding you back.
Let's change that.

Motion Credit Repair disputes inaccurate, unverifiable, and unfair items on your credit reports — directly with the bureaus, every month. And you never pay before the work is done. That's not a perk. It's federal law — and we're one of the few in this industry who actually follow it.

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Bureaus Covered

Billed Before Work Is Done

5-Day

Right to Cancel

What We Dispute

The negative items we can dispute on your behalf.

We dispute inaccurate, unfair, and unverifiable items directly with the credit bureaus on your behalf. Every month. Every round.

Collections

Charge-Offs

Late Payments

Repossessions

Inquiries

Foreclosures

Medical Bills

Student Loans

Evictions

Child Support

Bankruptcies

Derogatory Marks

How The Process Works

We challenge what's inaccurate, unverifiable, or unfair — then the bureaus have to prove it or remove it.

✓Items disputed directly with all three bureaus
✓Bureaus have 30 days to verify each item or delete it
✓You see exactly what changed, every month

No company can legally guarantee removals or a specific score, and we never will. Accurate, verifiable items generally stay — and we'll always tell you the difference up front.

The Process

Simple. Transparent. Effective.

No guessing, no runaround. Here is exactly what happens — starting with a free consultation, not a payment.

Book a Free Consult

We review your situation together — no payment, no pressure. If it's a fit, you get your agreement and required disclosures to review.

Get Your Blueprint

We analyze all three credit reports and deliver your Motion Credit Blueprint: every disputable item, the legal basis for each, and your 90-day plan. It's yours to keep either way.

We Dispute Monthly

Each month we send targeted dispute letters to the bureaus and keep challenging inaccurate items round after round. Billed after each month of work.

You Get Updates

The bureaus have 30 days to respond to each dispute. You get a monthly report showing exactly what changed on your credit — no guesswork.

Pricing

You never pay before the work is done.

Most companies in this industry charge upfront — many illegally. At Motion, your Blueprint is billed only after it's delivered, and monthly disputes are billed only after each completed month of work.

Step 1 — Where Every Client Starts

One-Time Deliverable

Motion Credit Blueprint

$249 one-time

Billed only after your Blueprint is delivered — never before

✓Full analysis of all three credit reports — Equifax, TransUnion & Experian
✓Every disputable item identified, with the legal basis for each dispute
✓Your personalized 90-day action plan
✓Delivered as a written document you own
✓Yours to keep — whether or not you continue with us

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Step 2 — Optional, Month to Month

Monthly Dispute Service

$99 /month

Billed after each completed month of dispute work

✓Monthly dispute rounds with all three bureaus
✓Collections, charge-offs, late payments & more
✓Monthly progress report — see exactly what changed
✓Client portal access & email/SMS support
✓Cancel anytime. No contract, no cancellation fee.

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Per federal CROA and Florida law, you may cancel your signed agreement within 5 days without penalty. No fees are collected until work is performed — your Blueprint is billed only after it is delivered, and monthly disputes are billed after each completed month.

The Founder

Adrian Fernandez

Founder, Motion Financial LLC

Built by someone who's been on the wrong side of a credit score — and climbed back.

I didn't learn credit from a textbook. I learned it after getting kicked out at 19 with no money and making just about every mistake you can make — a repossession, collections, the works. I spent years rebuilding my own credit from the ground up, getting inaccurate items removed and learning exactly how the system actually works.

After that, I spent years coaching friends and family through the same climb. Motion is that work done right: a transparent, compliant process for people who are tired of being talked down to or sold false promises by this industry.

You are not a number here. You get a real look at your reports, an honest plan, professional-grade dispute work across all three bureaus, and someone who has actually been where you are.

Florida LLC CROA Compliant Surety Bonded Founder-Led

Why Motion

Built different from the rest of this industry.

Most credit repair companies overpromise, charge upfront, and disappear. Here is how Motion works instead.

You're billed after the work — always

Federal law says credit repair companies can't charge before performing services. Most do anyway. At Motion, your Blueprint is billed after delivery and each month is billed after the work is complete. The law, done right.

No false promises

We never guarantee a specific score or result — that is illegal, and it is a red flag when companies do it. We tell you what is realistically disputable before you pay a cent.

Founder-led & transparent

You work with a real, compliant Florida company — not a faceless call center. Clear communication, monthly updates, and the freedom to cancel anytime.

FAQ

Common questions answered.

The Blueprint is a written document you own: a full analysis of all three credit reports, every disputable item identified with the legal basis for the dispute, and a 90-day action plan. It costs $249, billed only after it's delivered to you — and it's yours to keep whether or not you continue with monthly dispute service.

After your Blueprint, each month we send new rounds of dispute letters to Equifax, TransUnion, and Experian targeting the items identified in your plan. Per the Credit Repair Organizations Act, you are billed for work performed in the prior month — meaning we do the work first, then you pay for it the following billing cycle. It's month to month, and continuing is always your choice.

Yes. The service is month to month — cancel anytime, with no long-term contract or cancellation fee. Separately, federal CROA and Florida law give you the right to cancel your signed agreement within 5 days without any charge.

By law, the credit bureaus have 30 days to verify or delete each item we dispute, so the first responses typically arrive within the first dispute cycle. Beyond that, no honest answer exists in advance: timelines depend on the number of items, their age, and how the bureaus respond. What we can promise is that you'll see exactly what changed in your monthly report — and items that survive round one are often re-challenged in rounds two and three.

No credit repair company can legally guarantee specific outcomes — and if one does, that is a red flag. What we can guarantee is that we do the work every month, communicate clearly, and use professional-grade dispute methods. Results depend on your individual credit profile and bureau responses.

You will need to complete identity verification during onboarding and provide access to your credit reports. We use a secure, verified onboarding process to protect your information.

Yes. Motion Financial LLC is a registered Florida LLC operating in compliance with the Credit Repair Organizations Act (CROA). We use legitimate dispute processes, charge only for work performed, and give you full cancellation rights. We are not a scam, and we do not make promises that cannot be kept.

Motion Financial LLC is a credit repair organization as defined under federal and state law. You have the right to dispute inaccurate information in your credit report without the use of a credit repair organization. Results vary. We do not guarantee specific outcomes. Billing is for work performed in the prior month per CROA requirements. You may cancel within 5 days of signing your agreement without charge.

Your credit isholding you back.Let's change that.