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At Credit Matters with Stephanie, we make it our mission to help you achieve your financial goals. by providing customized solutions to your credit and financial needs.


Whether you're looking to raise your credit score, establish better spending habits, or take steps to become debt-free, our professional finance and credit repair resources and services are the perfect solution.

We understand that credit repair can be overwhelming and confusing. That's why we take the time to listen and answer all of your questions so that you can make the best decisions for your financial health and future.



"My passion for helping other achieve more in life runs deep because I know what it feels like to not know what to do, where to turn, and how to push forward to reach some of  the biggest goals we all strive for.


I personally had to overcome many obstacles, unlearned to relearn, become fluent in financial literacy, credit metrics, and more while reframing my mindset and maintaining a positive outlook. While juggling work, life, and parenthood, I continued the application of knowledge obtained through banking and other resources to finally reach my many goals, from perfect credit to homeownership and more.


I want to help people who are ready to take those big steps, and have someone in their corner along the way!"

-Stephanie Torres


By offering resources that are easy to understand and apply to everyday life, we are able to help individuals and families achieve financial success.


Through creating tailored strategies and financial plans, clients are empowered to achieve their goals and improve their credit score. Providing key resources and guidance that clients can understand helps them to make wiser financial decisions.


The focus is on helping clients build a strong foundation of knowledge in alignment with their personal future goals so they can live a less stressful, more fulfilled life.

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