Credit Servicez provides consumer and business credit services in Sunny Isles Beach and across Broward County, Florida — credit repair, business credit building, debt settlement, and student loan default rescue — backed by 25 years of results and our AI Intelligence Engine.
Consumer, business, and default resolution — all powered by AI precision and 25 years of earned authority.
FICO Score 8 and Mortgage Score 5/4/2 engineering across all three bureaus plus ChexSystems, LexisNexis, Innovis, and NCTUE. Monthly screen-share audits, dual reports, co-applicant files handled separately.
Full commercial credit restoration across D&B Paydex, Experian Business, Equifax Business, SBFE, PayNet, CreditSafe, and Nav. 4-tier vendor tradeline strategy. Priced separately from consumer by complexity.
Strategic settlement with creditor reporting correction obligations for all commercial channels, business bureaus, and SBFE-related furnishing paths. SOL analysis included on every file.
Merchant Cash Advance defaults and UCC lien resolution. 50-state UCC search, UCC-3 termination strategy, lender negotiation, and commercial reporting correction for business owners in default.
Federal and private student loan default rehabilitation strategy, credit bureau correction coordination, and long-term credit recovery planning. Get out of default and back on track.
End-to-end SBA 7(a) and 504 loan consulting, credit profile optimization, financial document packaging, and funding readiness analysis — powered by the Intelligence Engine.
Credit is the currency of opportunity. When your score doesn't reflect your potential, every door — a mortgage approval, a business loan, a favorable rate — stays closed. We open them.
Founded in 2001. Two decades of consumer and business credit strategy, dispute methodology, and creditor negotiation.
Every consumer and specialty reporting channel monitored simultaneously — including business bureaus for dual-track clients.
Proprietary AI analysis delivers dispute strategies, score projections, and loan readiness assessments in real time.
Founder & President of Credit Servicez — personally guiding consumers and business owners through credit strategy since 2001.
Solomon Algazi founded Credit Servicez in 2001. Over 25 years he has built the firm into a trusted name in consumer and business credit strategy — working directly with homeowners, business owners, and the loan officers and professionals who refer them.
His approach pairs hands-on, regulation-grounded credit work with the firm's proprietary Intelligence Engine, so every client file is reviewed with the same depth and discipline. Based in Sunny Isles Beach, Florida, the practice serves clients across the country.
Real words from the clients and referral partners we've worked with.
Testimonials reflect the experience of individual clients and are not a promise or guarantee of any particular result.
Serving clients nationwide from our South Florida office. Reach out any time — we're glad to talk through your situation.
Credit Servicez delivers the full spectrum of consumer and business credit services across Sunny Isles Beach and Broward County, Florida — credit repair, business credit building, debt settlement, UCC lien resolution, student loan rescue, and loan processing.
If you've defaulted on a Merchant Cash Advance, time is critical. MCA lenders move fast — UCC liens can freeze your bank accounts and lock your receivables. We intervene before it escalates.
Defaulted student loans destroy your credit score and can trigger wage garnishment, tax refund seizure, and loss of federal benefits. We build your path back to good standing — and clean your credit file simultaneously.
FICO Score 8 and Mortgage Score 5/4/2 engineering. Monthly screen-share audits. Dual reports — client-friendly and referral partner. Co-applicants handled as separate engagements. Target: as close to 850 as possible.
Separate engagement from consumer, priced by difficulty. 4-tier vendor tradeline strategy. Full commercial bureau coverage: D&B, Experian Business, Equifax Business, SBFE, PayNet, CreditSafe, and Nav.
Strategic creditor negotiation with SOL leverage analysis. All settlement letters include creditor/furnisher update obligations for commercial reporting channels, business bureaus, and lender-facing risk reports.
50-state UCC lien search and resolution. UCC-3 termination request preparation, lender coordination, and commercial reporting correction. Critical for business owners seeking new financing.
End-to-end SBA 7(a) and 504 loan consulting. Credit profile optimization, business credit building, and financial document packaging for approval readiness powered by the Intelligence Engine.
Full identity theft case management — notarized affidavit preparation, CFPB complaint drafting, bureau dispute coordination, creditor KYC/fraud/transaction record demands, and account dispute strategy.
Our proprietary AI platform analyzes consumer reports, business bureau files, and loan packages — delivering precision strategy that was previously only available to institutional lenders.
Simultaneous Equifax, Experian, TransUnion, ChexSystems, LexisNexis, Innovis, NCTUE — with dispute strategy generation in client voice only.
D&B Paydex, Experian Business, Equifax Business, SBFE, PayNet, CreditSafe, Nav — with 4-tier vendor tradeline strategy.
MCA default analysis, UCC lien mapping, SOL leverage calculation, and creditor settlement strategy generation.
Upload PDFs, images, or text files. The engine reads credit reports, financials, and lender packages with AI accuracy.
25 years of specialized expertise, an AI-powered platform, and a commitment structure designed to get results — not just promise them.
Founded in 2001, Credit Servicez has operated through every credit cycle — the 2008 financial crisis, COVID-era forbearance changes, and today's AI-driven lending landscape. Our experience is institutional, not theoretical.
Our proprietary Credit Servicez Intelligence Engine analyzes consumer and business credit reports, generates dispute strategies, and produces precision score projections — technology previously available only to major lenders.
We track FICO Score 8, FICO Mortgage Scores 5/4/2, and middle mortgage score — the exact metrics your loan officer uses. Every decision is made with funding approval as the target outcome.
Every dispute letter, goodwill letter, and creditor correspondence is written in your voice — no Credit Servicez branding anywhere. This protects you legally and keeps the focus on your credibility with creditors.
Consumer and business credit are separate engagements handled with separate strategies, reports, and bureau coverage. Dual-track clients get full attention on both files — nothing gets deprioritized.
Every client receives two reports monthly — a client-friendly progress summary and a technical report formatted for referral partners and loan officers. Your mortgage professional stays in the loop automatically.
MCA defaults, UCC liens, student loan defaults, SBA issues — we operate in the most complex credit situations where most firms decline to help. Our Intelligence Engine maps every resolution path.
25 years of referral relationships with Bank of America, Wells Fargo Home Mortgage, Citi Lending, Countrywide, Wachovia, and SBA-affiliated lenders. Our reputation opens doors.
We operate in full compliance with FTC regulations. No guaranteed score outcomes — just expert strategy, monthly accountability, and 25 years of documented results.
Every client commits to a full 6-month engagement. FICO target: as close to 850 as possible.
AI-powered analysis of all bureaus, specialty agencies, and loan qualification scores
Dispute roadmap, utilization plan, and 6-month score projection with milestone targets
Client-voice letters prepared for bureau and creditor correspondence — zero CS branding
Screen-share audit every month. Lowest mortgage score is the baseline measure
Client-friendly report + referral partner/loan officer report every single month
Mortgage qualification threshold achieved and continued optimization toward 850
Our partner network spans every financial professional who touches a client's credit journey. Refer once, and Credit Servicez handles the rest.
Turn declined files into funded loans. We work your pipeline — two monthly reports per client formatted for you and your borrower. Middle mortgage score tracked monthly.
Keep buyers in your pipeline. We engineer credit profiles to mortgage qualification readiness, tracking FICO 5/4/2 and middle scores every month.
Complement your tax and financial planning with credit optimization. We never provide tax advice — your advisory relationship stays fully protected.
Consumer and business credit handled as two separate engagements. Build a fundable business credit profile while restoring your personal FICO simultaneously.
Debt negotiation, UCC lien resolution, MCA default strategy, and creditor reporting correction support for your clients' financial rehabilitation cases.
25 years of institutional referral relationships — Bank of America, Wells Fargo Home Mortgage, Citi Lending, Countrywide, Wachovia, and SBA-affiliated lenders.
When you refer a client to Credit Servicez, you stay in the loop every step of the way. Monthly reports formatted for your workflow, direct access to Solomon, and a client who comes back to you ready to transact.
Technical credit progress reports formatted for loan officers — FICO scores, mortgage score progress, utilization, derogatory status.
Your clients are personally handled. No call centers, no junior staff, no outsourcing — 25 years of expertise on every file.
We keep your declined buyers in the pipeline and return them to you approval-ready — protecting the relationship and the commission.
Real results from real clients — homeowners, business owners, and financial professionals who trusted Credit Servicez with their most important financial asset.
Complete the form below and Solomon will personally reach out within 24 hours to schedule your full AI-powered credit audit.
Thank you. Solomon will personally reach out within 24 hours to schedule your full credit audit.
(718) 395-7567
salgazi@creditservicez.com
Credit Servicez helps business owners resolve serious debt issues through structured negotiation and strategic settlements. Whether you're in default with a lender, facing lawsuits, or buried under collection pressure — we deliver real solutions, not gimmicks.
⚠ Note: We do not handle federal or state tax lien issues.
Business owners who've fallen behind on unsecured or secured business debt and need structured relief fast.
Entrepreneurs dealing with multiple creditors, collectors, or attorneys simultaneously — all handled under one strategy.
Owners who need negotiated relief — lump sum settlements, payment plans, or favorable resolutions — rather than bankruptcy.
Companies trying to preserve liquidity, keep operations running, and avoid the long-term damage of a bankruptcy filing.
Every case is handled with precision — from intake through post-resolution credit recovery.
No generic promises. No cookie-cutter outcomes. Just 25 years of proven experience in business credit and debt resolution.
Proven results with MCAs, UCC lienholders, commercial collectors, and attorneys across every industry.
No settlement is accepted without your explicit sign-off. Transparent communication at every stage — no surprises.
Written releases, UCC-3 terminations, business bureau corrections, and credit recovery roadmap — complete from start to finish.
The Credit Servicez Intelligence Engine maps your UCC exposure, calculates SOL leverage, and generates settlement strategy before we ever contact a creditor.
Credit Servicez does not handle federal or state tax lien issues. This program covers commercial creditors, MCA lenders, equipment lessors, vendors, and business loan charge-offs only. Credit Servicez does not provide tax or legal advice — clients should consult their CPA or attorney regarding any tax consequences from debt settlement or cancellation of indebtedness income.
Complete this form to refer a client directly to Solomon. You'll receive monthly progress reports formatted for your workflow — and your client comes back to you ready to transact.
Solomon will personally reach out to your client within 24 hours. You'll receive a confirmation and monthly reports per your preference.
(718) 395-7567
salgazi@creditservicez.com
Technical credit progress reports formatted for your loan workflow — FICO scores, mortgage score progress, utilization, derogatory status.
No call centers, no junior staff. 25 years of expertise personally applied to every file you send.
Each co-applicant is treated as a separate engagement — separate reports, separate strategy, separate tracking.
Your declined clients come back to you approval-ready — protecting the relationship and the commission.
Defaulting on student loans can feel overwhelming — the calls, the letters, the threat of wage garnishment or tax refund seizures. You are not stuck, and you don't have to face this alone.
⚠ Don't wait until they garnish your wages.
Immediate strategy to halt or prevent wage garnishment and tax refund seizures before they escalate.
We handle all required paperwork, servicer communication, and enrollment for rehabilitation or consolidation programs.
Get back into good standing and regain access to income-driven repayment plans, deferment, and forgiveness programs.
Simultaneous dispute strategy at Equifax, Experian, and TransUnion — correcting default and collections reporting post-rehabilitation.
Monthly status monitoring, servicer follow-up, and long-term credit recovery planning — not just a one-time fix.
Wage garnishment and tax refund seizures are imminent once default triggers. We intervene before the order is issued.
Federal default is declared at 270 days. If you're here, the collections machinery has already started — rehabilitation is the path back.
Bureau-reported defaults and collection tradelines are severely damaging your FICO scores. These can be corrected after rehabilitation.
Federal, private, guaranty agency — each has different rules. We map every loan and build a unified strategy across all of them.
From your first call to full credit recovery — every step handled with you, not handed off.
10–15 minute consultation. We assess how long you've been in default, who your servicer is, garnishment risk, and what repayment or rehabilitation options you qualify for — at no charge.
We build your custom rescue strategy — rehabilitation vs. consolidation, income-driven plan selection, and paperwork completion. We handle the forms so nothing falls through the cracks.
We communicate with loan servicers, collectors, and guaranty agencies on your behalf to set up affordable repayment or rehab plans. Monthly status monitoring and follow-up included.
Post-rehabilitation bureau dispute strategy at all three bureaus. Default and collections tradelines corrected, FICO scores rebuilt, and long-term credit recovery roadmap delivered.
These are the signs that default has already started — or is about to. Each one requires immediate action.
Federal law allows the government to garnish up to 15% of your disposable pay without a court order. Once triggered, it's hard to stop.
The Treasury Offset Program automatically intercepts federal tax refunds to repay defaulted loans. It happens without notice.
Default triggers collection tradelines on all three bureaus — Equifax, Experian, TransUnion — severely damaging your FICO scores.
Default disqualifies you from future federal student aid, income-driven repayment plans, and deferment or forbearance options.
Credit Servicez does not provide tax or legal advice. Student loan rehabilitation guidance is based on published federal program rules and does not constitute legal representation. Clients should consult their attorney regarding any legal proceedings. Results vary based on individual loan circumstances, servicer cooperation, and program eligibility.
We average a 60–90 point credit score increase by working with you, your creditors, and the credit bureaus. Trusted by referral partners from Bank of America, TD Bank, M&T Bank, Wells Fargo, and many more.
"After working four decades in New York City real estate, I have built a carefully curated referral base of go-to professionals, and Solomon Algazi is right there on top. Solomon's expertise in the credit world is bar none. I've been fortunate to work with him these past ten years on the Real Estate Board of New York's committees, panels, seminars, and first-time-buyer events. On a personal level, I hired Solomon to shape up my own credit score. His commitment to helping and educating consumers and clients has always been at a hundred percent. Need to get your credit in shape? Call Solomon!"
"Please see attached credit report on Steve & Bernadette Anderson. It is excellent!!! Solomon this man loves you — he is so thankful for your help and he is inviting you over when he gets a home. Thank you so much for doing such a wonderful job as you always do. I know I can count on you when I refer any borrower for help. You are professional as is your staff."
Our referral partners include some of the most recognized names in lending and real estate.
Our proprietary AI platform analyzes consumer reports, business bureau files, debt situations, and loan packages — delivering precision strategy in real time. Select a track below and run a live analysis.
The Credit Servicez Intelligence Engine provides strategic analysis and educational guidance based on the information provided. Results are AI-generated and reviewed by Solomon Algazi before any client action is taken. Credit Servicez does not provide tax or legal advice. This tool does not guarantee specific credit score outcomes.
Credit Servicez provides loan processing and approval-readiness credit services for clients in Sunny Isles Beach and across Broward County, Florida. We prepare your credit profile and documentation so your mortgage, SBA, or business loan application is lender-ready before it's submitted.
From credit profile optimization to full document packaging, our loan processing credit services help Sunny Isles Beach and Broward County borrowers approach lenders with confidence.
Before you apply, we review your credit and financial picture the way a lender will — identifying what could slow an approval and the order in which to address it.
Whether it's a home purchase, an SBA 7(a)/504 application, or a business line of credit, our loan processing credit services align your file to that lender's expectations.
How Credit Servicez collects, uses, and protects your information.
Last updated: June 14, 2026
Credit Servicez ("we," "us," or "our") is a credit services firm located at 323 Sunny Isles Blvd, Suite 700, Sunny Isles Beach, FL 33160. You can reach us at (718) 395-7567 or salgazi@creditservicez.com.
When you submit a form on this website or engage our services, we may collect your name, contact details (phone, email, address), information about your credit or financial situation, and any documents or details you choose to share with us. We also collect basic, non-identifying technical data (such as general analytics) to operate and improve the site.
We use your information to respond to your inquiry, provide and manage the services you request, communicate with you about your file, and meet legal and regulatory obligations. We do not sell your personal information.
We share information only as needed to deliver our services — for example, with credit bureaus, creditors, or service providers acting on our behalf — or when required by law. Where you are referred to us by a partner (such as a loan officer), we may share progress updates relevant to that referral with your awareness.
We use reasonable administrative and technical safeguards to protect the information in our care. Sensitive identifiers are handled with restricted, staff-only access. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
You may request access to, correction of, or deletion of your personal information, and you may opt out of marketing communications at any time, by contacting us at salgazi@creditservicez.com. Under the Credit Repair Organizations Act and applicable state law, you have additional rights regarding credit-repair services, which are described in your service agreement.
We may update this policy from time to time. The "last updated" date above reflects the most recent revision.
This page is provided for general informational purposes and is not legal advice.
The terms that govern your use of this website and our services.
Last updated: June 14, 2026
These terms govern your use of the creditservicez.com website. The specific services we provide to you are governed by the separate written service agreement you sign before any work begins; if there is any conflict, that signed agreement controls.
Credit Servicez provides consumer and business credit services, including credit repair and restoration, business credit building, debt negotiation and settlement, UCC lien resolution, student loan default rescue, SBA loan preparation, and loan processing support. The information on this site is general and educational and does not create a client relationship.
Credit and financial outcomes depend on each person's individual circumstances, creditor and bureau cooperation, and program eligibility. Results vary, and we do not promise or guarantee any specific credit score, approval, settlement amount, or timeline.
Credit Servicez does not provide legal or tax advice. You should consult your own attorney or CPA regarding any legal matters or any tax consequences of debt settlement or cancellation of indebtedness.
You agree to provide accurate information and to use this website and our services lawfully. You are responsible for maintaining the confidentiality of any login credentials we may provide.
Under the federal Credit Repair Organizations Act and applicable state law, you have the right to cancel your service agreement within three business days. Your specific cancellation rights are detailed in the written agreement you sign.
These terms are governed by the laws of the State of Florida.
Questions about these terms? Contact us at salgazi@creditservicez.com or (718) 395-7567.
This page is provided for general informational purposes and is not legal advice.