Frequently Asked Questions
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What is RISAC Solution?
RISAC Solution is a financial advisory firm specializing in credit restoration, financing strategy development, and credit education for entrepreneurs. Our approach combines legal knowledge (FCRA, FDCPA, CFPB) with practical strategies to help you recover, strengthen, and monetize your credit.
What services do you offer?
We provide customized solutions for every financial stage:
• Personal and business credit restoration.
• Consulting to obtain credit cards and credit lines with 0% interest.
• Training programs and educational platforms (RISAC Community and RISAC Academy).
• Assistance with legal cases related to collections, lawsuits, or charge-offs.• Asistencia en casos legales relacionados con cuentas en cobro, demandas o charge-off.
How long does the credit restoration process take?
Each case is unique. However, our clients typically start seeing results within the first week up to 45 days, depending on the type of account and the credit bureau. We use a proven legal method called the “Ricardo Vega Method,” based on the FCRA law.
Do I need to have bad credit to work with you?
Not necessarily. We also help people with good credit who want to increase their limits, obtain business funding, or structure their business credit.
How can I schedule a consultation?
You can schedule an appointment directly through the “Book Your Appointment” button on this page or by sending us the word “APPOINTMENT” via WhatsApp. Our team will contact you to confirm the date and time.
What documents do I need to start the process?
You only need:
• A copy of your driver’s license or ID.
• A copy of your Social Security Number (or ITIN).
• Proof of address (utility bill or lease).
• Your current credit report (from SmartCredit or IdentityIQ).
What makes RISAC Solution different from other companies?
RISAC Solution does not use generic templates. Each case is handled personally and legally, with documents drafted according to the FCRA law and professional strategies designed by a Certified Credit Consultant. In addition, we teach our clients how to use their credit to generate income—not just how to clean it.
What is RISAC Community?
It’s an online group training program where you’ll learn how to use your credit as a tool to start businesses, invest, and build financial freedom.
Duration: 4 weeks.
Format: Live Zoom sessions.
How do you ensure the security of my information?
Your information is fully protected under our privacy policies and FCRA compliance standards. We never share or sell your data to third parties. All documentation is processed through secure, encrypted platforms.
How can I contact you?
Office: 142 Route 23 North, Pompton Plains, NJ 07444
WhatsApp / Phone: 5196031317
Email: info@risacsolutionsconsulting.com
Website: www.risacsolution.com