Credit Mastermind
Credit Repair & Asset Management
Credit, tax, retirement and asset management under one roof — led by Stephanie Pedroza, CPA, CFA and CIMA, formerly of PwC and Deloitte. One advisor who can see the whole picture.
We don't just fix Credit.. We change Lives
Stephanie Pedroza, FounderWhat we do
Credit was never the whole story — it's the door most people walk through first. What comes next is tax, retirement, and the portfolio itself. You shouldn't need four different advisors to get there.
Where it all started. We don't just dispute — we educate, so you understand the system instead of fearing it.
Filing is the last five minutes. The other eleven months are where the money is actually saved.
The account your employer hands you and the one you open yourself should be working as a single strategy.
Portfolio management built around what the money is actually for — not a risk questionnaire and a template.
Team
Behind every result you can see is a team you rarely do — working tirelessly out of sight, reviewing files, challenging the numbers and pushing each case forward until the outcome lands.
Founder
CPA · CFA · CIMA
Seven years teaching families to use credit the right way, with the technical grounding to match — a B.S. in Accounting from the University of Illinois and time at both PwC and Deloitte.
Top Asset Manager
Asset and portfolio management at Credit Mastermind — portfolio oversight, allocation decisions and client reporting.
Selected work
Client identities are never disclosed. The engagements below are representative of the work — select any card for the full detail.
Engagements shown are representative of typical client situations and are described without identifying details. Outcomes depend on individual circumstances and are not guaranteed.
Client voices
Real stories from clients whose perspectives and financial paths transformed after working with Stephanie.
I came in thinking my credit was too far gone. Nobody had ever sat down and actually explained the system to me before. Six months later I had my keys.
What set Stephanie apart was that she taught me instead of just doing it for me. I understand my own credit now — I'm not afraid of it anymore.
No gimmicks, no false promises, just a plan I could actually follow. She walked me through every step the right way and it worked.
Proof of work
Completed work, client wins, announcements and special days — as they happen, all in one place.
Two collections cleared, utilisation brought down, file made lender-ready.
Client video testimonial on rebuilding credit from scratch.
Limited booking window. Mention the code when you book.
Credit repair grows into tax, retirement and asset management — one advisor.
First-time buyer, closed after a seven-month credit rebuild.
Reconstructed from bank records and 1099s, filed with full documentation.
Match strategy, Roth-vs-traditional analysis and rollover checks.
Priority scheduling for the coming filing season at last year's rate.
Ready when you are
Thirty minutes, no obligation and no sales script. Tell us what you're trying to accomplish and we'll tell you honestly whether we can help.
Existing clients
Track open disputes, upload documents and view your engagement progress in one place.
