Welcome to
MarMas Kredit Academy
Where Money Talks, But Kredit Holds Conversations
Money Talks, But Kredit Holds Conversations
About Us
Teaching You Build Kredit with Confidence
At MarMasKredit we believe that your credit shouldn't be a barrier to your dreams especially if one of those dreams is owning a home. We’re a woman-led company committed to helping families fix their credit, understand the system, and create a future full of financial possibilities.
This isn’t just about scores. It’s about freedom. It’s about legacy. It’s about you.
About Us
Teaching You Build Kredit with Confidence
At MarMasKredit we believe that your credit shouldn't be a barrier to your dreams especially if one of those dreams is owning a home. We’re a woman-led company committed to helping families fix their credit, understand the system, and create a future full of financial possibilities.
This isn’t just about scores. It’s about freedom. It’s about legacy. It’s about you.
What we do
Our Services
Credit Repair Guidance
We help you clean up the mess they never taught you to avoid.
charge-offs, late payments, and collections — we help you challenge the negative items holding your score back. Not with false promises, but with real strategies backed by law.
Homeownership Preparation
Your dream home isn’t out of reach — your credit just needs a plan.
We walk with you step by step to build a strong financial profile that makes lenders say YES. This isn’t just about fixing credit; it’s about opening the door to your future home.
Credit Education & Coaching
Understand the system so no one can take advantage of you again.
We don’t just fix — we teach. Through our classes and guidance, you’ll learn how credit works and how to protect your financial future like a pro.
Debt Management Support
You're not lazy — you're just buried. Let's fix that.
We'll help you organize, prioritize, and even renegotiate your debt so you can breathe again. Because carrying this alone is exhausting, and you don’t have to anymore
CREDIT REPORTS
Buying your first home should feel exciting not terrifying."
From FHA loan prep to understanding your credit thresholds, we tailor a plan that gives you clarity and confidence to take that big step.
PLANNING & CONDUCTING
One-size-fits-all never worked for real life.
We build you a custom plan based on your unique situation — not some cookie-cutter printout. You’ll know exactly what to do, when, and how to finally reach your credit goals
What we do
Our Services
Credit Repair Guidance
We help you clean up the mess they never taught you to avoid charge-offs, late payments, and collections — we help you challenge the negative items holding your score back. Not with false promises, but with real strategies backed by law.
Homeownership Preparation
Your dream home isn’t out of reach — your credit just needs a plan. We walk with you step by step to build a strong financial profile that makes lenders say YES. This isn’t just about fixing credit; it’s about opening the door to your future home.
Credit Education & Coaching
Understand the system so no one can take advantage of you again.
We don’t just fix — we teach. Through our classes and guidance, you’ll learn how credit works and how to protect your financial future like a pro.
Debt Management Support
You're not lazy — you're just buried. Let's fix that.
We'll help you organize, prioritize, and even renegotiate your debt so you can breathe again. Because carrying this alone is exhausting, and you don’t have to anymore
First-Time Buyer Credit Planning
Buying your first home should feel exciting not terrifying. From FHA loan prep to understanding your credit thresholds, we tailor a plan that gives you clarity and confidence to take that big step.
Personalized Credit Roadmap
One-size-fits-all never worked for real life.
We build you a custom plan based on your unique situation — not some cookie-cutter printout. You’ll know exactly what to do, when, and how to finally reach your credit goals
Erase Negative Items:
THE SECRETS THEY DON’T WANT YOU TO KNOW
7 Simple Steps to Take Back Control & Open the Door to Homeownership
Tired of getting denied? Feeling stuck and confused by your credit report? This powerful free eBook breaks it down in simple, clear steps — so you know exactly what to do next. No fluff. No pressure. Just the truth.
✅ Learn how to clean your credit the legal way
✅ Discover what lenders are actually looking for
✅ Unlock the habits of people who build unstoppable credit
Erase Negative Items:
THE SECRETS THEY DON’T WANT YOU TO KNOW
Staff
Our Team
Maria Esther
CEO/Founder
7 Simple Steps to Take Back Control & Open the Door to Homeownership
Tired of getting denied? Feeling stuck and confused by your credit report? This powerful free eBook breaks it down in simple, clear steps — so you know exactly what to do next. No fluff. No pressure. Just the truth.
✅ Learn how to clean your credit the legal way
✅ Discover what lenders are actually looking for
✅ Unlock the habits of people who build unstoppable credit
Our Team
Maria Acosta
Founder/CEO
History Of Our Company
At MarMas Kredit, we don’t just repair credit — we rebuild lives.
With heart, grit, and unshakable belief in our clients’ potential, we’ve proudly served families across the nation — and in all our years of service, we’ve only lost 2 cases. That’s not just a number. It’s a reflection of our relentless work ethic, powerful strategy, and commitment to treat every client like family.
Maria Esther, the founder of MarMas Kredit, has personally invested thousands into continued education — staying ahead of credit repair laws, consumer protection changes, and financial strategies — all to ensure you never get left behind
.
But Maria doesn’t do this alone.
Her trusted business partners — with years of experience and a powerful network of client resources — have helped hundreds of homeowners recover their credit and transition into confident, financially empowered homeowners.
Now, they’re ready to help you do the same.
What Client Say About Us
I went from feeling hopeless to closing on my first home in 6 months. MarMas Kredit didn’t just fix my credit — they believed in me when nobody else did. I’ll never forget that
Darcel Ballentine
Barone LLC.
Maria is the best at what she does, and I was finally approved for an apartment I really wanted. Thank you, MarMas, for your amazing help, my score also went from 556 to 706 currently.
Leatrice Handler
Acme Co.
History Of Our Company
At MarMas Kredit, we don’t just repair credit — we rebuild lives.
With heart, grit, and unshakable belief in our clients’ potential, we’ve proudly served families across the nation — and in all our years of service, we’ve only lost 2 cases. That’s not just a number. It’s a reflection of our relentless work ethic, powerful strategy, and commitment to treat every client like family.
Maria Esther, the founder of MarMas Kredit, has personally invested thousands into continued education — staying ahead of credit repair laws, consumer protection changes, and financial strategies — all to ensure you never get left behind.
But Maria doesn’t do this alone.
Her trusted business partners — with years of experience and a powerful network of client resources — have helped hundreds of homeowners recover their credit and transition into confident, financially empowered homeowners.
Now, they’re ready to help you do the same.
Is credit repair legal?
Yes! Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate or outdated information. We work legally and ethically to help clean your credit report.
How long will it take to see results?
Most clients see changes within 45–90 days. Every case is different, but with the right steps, real improvement happens faster than most people expect.
Can’t I fix my credit myself?
You can — but it takes time, legal knowledge, and patience. We bring years of experience and proven strategies to get faster, easier results for you.
Will credit repair hurt my score?
No — properly done, credit repair improves your score. We remove inaccuracies and guide you on rebuilding strong, positive credit history.
How much does it cost?
We offer flexible, affordable programs with no hidden fees. Investing in your credit now could save you thousands later in lower interest rates and better approvals
How do I know this isn’t a scam?
We follow all legal regulations, offer written agreements, and share real success stories from real clients. Transparency, trust, and your results are our top priorities.
Rebuild Your Kredit. Reclaim Your Power.
Get our FREE Masterclass + eBook and learn how to fix your credit and build a better financial future — starting today.
At MarMas Kredit, we’re giving away the secrets most credit repair companies won’t tell you. Whether you’re looking to fix your credit or start your own credit repair business, this free masterclass and eBook are your first step to freedom.
👇 Click the link below to claim yours now! 👇
What Client Say About Us
Darcel Ballentine
Barone LLC.
I went from feeling hopeless to closing on my first home in 6 months. MarMas Kredit didn’t just fix my credit — they believed in me when nobody else did. I’ll never forget that
Maria is the best at what she does, and I was finally approved for an apartment I really wanted. Thank you, MarMas, for your amazing help, my score also went from 556 to 706 currently.
Leatrice Handler
Acme Co.
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