Credit Report Analysis
A line-by-line review of your reports from all three bureaus, explained in plain English — what is helping you, what is hurting you, and what to address first.
A Total Source Net Company
Better Credit. Built Honestly.
We help individuals and small business owners understand their credit reports, challenge inaccurate information, and build the habits that move scores — with honest timelines and everything in writing.
No guaranteed score increases. No promises to remove accurate items. No work you did not approve in writing. That is what honest credit help looks like.
What We Do
Four Services. One Goal: A Credit Profile You Can Build On.
Whether you are preparing for a loan, a lease, or simply want a stronger financial foundation, we start with the facts in your reports and work from there.
Dispute Process Guidance
We prepare, file, and track disputes on inaccurate, incomplete, or unverifiable items — with full documentation and every deadline monitored for you.
Personal Score-Building Plan
A written plan built around your profile: utilization targets, account strategy, and timing — so every move you make is moving your score in the right direction.
Financial Wellness Coaching
One-on-one coaching on budgeting, on-time payment systems, and credit habits — because a higher score means little if the habits behind it do not last.
How It Works
Three Steps. Zero Guesswork.
A clear process, explained up front — so you always know what is happening and why.
1
Free Credit Analysis
We review your reports and tell you honestly what is possible and what is not — before you pay for anything. If we cannot help you, we will say so.
2
Your Personal Plan
You receive a written plan with clear terms — including fees — agreed in writing before any work begins. Nothing starts without your approval.
3
Disputes + Coaching, While You Watch
We handle the dispute process and coach you on the habits, with full transparency at every step. You see what we see, when we see it.
Education First
What Really Moves Your Score
These are the factors published by the major credit scoring models. Understanding them is free — and it is the first thing we teach every client.
~35%
Payment History
Paying on time, every time, is the single biggest factor in your score.
~30%
Amounts Owed
How much of your available credit you are using — lower utilization helps.
~15%
Length of History
Older accounts help. Think carefully before closing a long-held card.
~10%
New Credit
Hard inquiries and new accounts count — in moderation they are normal.
~10%
Credit Mix
Different types of credit, managed responsibly, round out your profile.
The honest truth: no company can change this math. Anyone who promises a specific score by a specific date — or claims they can remove accurate negative items — is selling you something, not helping you.
Who We Are
Led by Experience. Built on Trust.
Rafael Rodriguez, Jr., MBA
Triumph Credit Doctors was founded by Rafael Rodriguez, Jr., MBA, as part of Total Source Net — a network of business service companies serving individuals and small businesses across the country.
After years of advising business owners on taxes, bookkeeping, and finance, Rafael kept seeing the same barrier: capable people held back by a credit profile that did not reflect who they were. Triumph Credit Doctors exists to fix that — honestly, with no shortcuts and no fine print.
Based in South Florida and serving clients nationwide, fully remote. When you work with us, you work directly with people who answer the phone.
— Rafael Rodriguez, Jr., MBA, Founder
Straight Answers
Questions Worth Asking Before You Hire Anyone
Including the ones most credit repair companies hope you never ask.
Timelines vary by profile, the items in question, and bureau response times. We set expectations in writing at the start and update you at every step. Be cautious of any company that promises a specific score by a specific date — that is not how the process works.
Your first credit analysis is free. If we work together, all terms — including fees — are agreed in writing before any work begins, and you never pay for work that has not been performed.
No — and anyone who promises that is lying to you. Accurate information that is reported correctly generally stays on your reports. What we do challenge is information that is inaccurate, incomplete, or unverifiable — which the bureaus are legally required to investigate.
No. No honest company can guarantee a specific score outcome — and federal law prohibits credit repair companies from making that promise. What we do guarantee is process: a thorough analysis, properly documented disputes, clear coaching, and honest reporting at every step.
Yes. You have the legal right to dispute inaccurate items on your own, for free. We are worth it when you want a professional to handle the process, keep the documentation airtight, track every deadline, and coach you on the habits that keep your score moving in the right direction.
Reviewing your own reports and our analysis does not affect your score. Disputing inaccurate information is your legal right. We explain every step before we take it, so there are no surprises.
Yes. Many of our clients are small business owners preparing for financing, leases, or better vendor terms. We review both your personal profile and your business credit footprint, and build a plan that addresses both.
Get Started
Get Your Free Credit Analysis
Tell us where to reach you. We will review your situation and give you an honest assessment — free, with no obligation.
Request Your Free Analysis
Prefer to Talk It Through?
Toll-Free (888) 280-2396 Direct Line (954) 352-3927 Direct Line (954) 629-8199 Email totalsourcenet@gmail.comBased in South Florida. Serving clients nationwide — everything we do is fully remote.