Transforming the way you maximize your credit score.
How it works
Simplified Credit Restoration Process in 3 Steps
Step 1
Evaluation
Get started with a free, in-depth assessment from our credit specialists. We’ll analyze your situation and develop a personalized action plan to optimize your credit score.
Step 2
Restore
We permanently remove negative entries from your credit history within a maximum of 90 days. 97% of our clients get results in just 72 hours.
Step 3
Optimize
Apply credit-building products and strategies to quickly strengthen your credit history and improve your credit score.
Why choose MercaTop?
Everything you need for accelerated credit restoration.
MercaTop offers all the essential features while saving you time and money, without compromising on speed or effectiveness.
Unlimited disputes in each round
Don't settle for the bare minimum. While other services limit the number of disputes, we offer you the advantage of unrestricted disputes every cycle. Leave behind the delays and high costs, and opt for a more efficient credit repair process that allows you to take control of your financial situation.
No monthly fees or hidden charges.
Tired of unexpected charges and hidden fees? We offer clear, straightforward pricing. No monthly payments or hidden costs, just straightforward service that values your time and budget.
Industry-Leading Expertise
Our team of specialists utilizes the most advanced industry knowledge and innovative strategies, continually adapting to updates in credit bureau practices to ensure you receive the most effective credit repair solutions.
Committed to Your Success
Your path to exceptional credit starts here. Our dedicated team guides you through every step, providing expert advice and support. Reach your credit goals and experience the benefits of financial freedom faster.
Why choose MercaTop?
What makes MercaTop different?
Enjoy unparalleled service and fast results with our comprehensive credit repair solutions.
- Interaction with the 3 credit agencies
- Unlimited Disputes
- Unique investment
- Personal Success Manager
- Response Time
- Investment
- 90 days
Conventional Companies
- 12-18 months
- $1200-$1800/year
Permanently remove negative remarks from your credit profile
Experience unmatched service and fast results with our comprehensive credit repair solutions.
Achieve a Stronger Credit Score
No Advance Payment
Detailed assessment and action plan at no cost.
No Advance Payment
Detailed assessment and action plan at no cost.
Automated Credit Alerts
Stay informed about changes in your credit.
Personal Success Manager
Get dedicated support from an expert to guide you.
Custom Client Dashboard
Manage your credit repair process easily with a user-friendly dashboard tailored to your needs.
Start Today
- MercaTop Users
Questions? Answers.
Do you have any other question?
How does our program work?
Our program operates in three simple steps:
- Free evaluation of your credit situation.
- Development of a personalized action plan
- Implementation of strategies and monthly monitoring of results
Can you remove reposts?
Yes, when:
- There is an error in the report
- The information is out of date
- There is no proper verification of the creditor
- A successful negotiation with the creditor is achieved
Can you remove old late payments?
We work to remove late payments through:
- Goodwill letters
- Formal disputes when applicable
- Direct negotiations with creditors
How long does it take to see results?
The time varies according to each case, but generally:
- First results: 30-45 days
- Significant improvements: 3-6 months
- Optimal results: 6-12 months
Do you offer a warranty?
Yes. If we don’t achieve any improvement in your credit report in the first 90 days, we will return 100% of your investment.
What do I need to get started?
- Valid identification
- Recent credit reports
- Proof of address
- Documentation related to disputes
How do you monitor my progress?
- Monthly reviews of your report
- Regular updates of your score
- Detailed reports of changes and improvements
Can I cancel the service?
Yes. There are no long-term contracts. You can cancel at any time without penalty.
How much does the service cost?
We offer flexible plans according to your needs:
- Initial evaluation: Free Monthly plans within your budget
- Consult the details of each plan with our advisors
Is this service legal?
Yes. We operate under the Fair Credit Reporting Act (FCRA) regulations and use only legal and ethical methods to improve your credit.
Spanish 
English