Who We Are & How We Help

For years, we have been serving consumers and their families in the tri-state area of New York, New Jersey, and Connecticut. Our company started humbly from word-of-mouth, and we’ve been growing steadily with every successful client. Will you be the next success story?

Established in 2014

Although we are a young, lean company, we have well more than a decade of collective experience in the credit and financial industries. Our company began with the hope of helping improve the lives of people and families. Millions of Americans suffer from bad credit every day. They are unable to get the loans, credit, or the buying power they need to thrive in an economy built on credit. We’re here to change that. We built our business on helping clients with their credit and financial needs. We provide a new opportunity and restore hope using proven methods to repair, restore, and rebuild your credit. Our team of expert Credit Advisors has financial services backgrounds. With extensive training and years of experience, we apply best practices to get you the results you need and deserve.

Why Choose Us?

We understand how nerve-racking and confusing credit can be for most people. This is especially true when you’re trying to close on a home or car, or you’re otherwise pressed to improve your credit quickly.

That’s why we assign a certified Credit Advisor to every client and their case. You’re never left to fend for yourself with Alto Credit. We’re here to offer you professional guidance so that you know exactly what needs to be done to build your credit and achieve the lifestyle you desire.

Based on our extensive experience in the financial services and credit industries, we’ve developed unique strategies for dealing with Equifax, Experian, TransUnion, and creditors. Put simply, we know what works.
That’s why we’re confident enough to charge only for our results! That’s our promise to you, and our way of eliminating your risk and worry. It’s time to put true professionals by your side, advocating for you.

Meet Our Certified Credit Consultants

Our team of credit professionals is ready to help you achieve your goals!

Erica Bonilla

Owner and President

Erica is passionate about helping others succeed financially. She has dedicated her career to giving others a peace of mind by finding solutions in their financial problems.
Erica graduated from College of Mount Saint Vincent and is currently pursuing her master’s degree in Business Administration.
She also has years of experience in the banking industry, which has helped her establish new initiatives and develop programs to provide customized financial and credit guidance.
In her downtime, Erica loves to spend time with her family, read, blog, and work out at the gym.

Amus Stevens

Owner and President


Credit Professional

Find Out How to Start Improving Your Credit Now!

In this free, easy-to-read guide, we explain the steps we take to help our clients get real results. There are no strings attached. We only want to help answer your questions so you can make the best decision to enhance your financial freedom

Don’t take our word for it

Hear From Our Satisfied Clients

hear success stories from real clients

Jason Diaz New York, NY

"I am a mortgage consultant for a major bank. I have been in the mortgage industry for several years now and working with the guys (and gal) at AltoCredit has been such an awesome experience. I meet clients who don't always qualify for lending because of...

Steven Bronx, NY

"AltoCredit really helped me clear my credit, within 90 days I had zero debts on my report. The process was easily explained by Amus who’s not only very knowledgeable in the field of credit and finance, he was also always available, day or night, to answer any...


Bronx, NY

Altocredit got off my tax lein and my school loan late payments were actually deleted entirely. I was working with them for 3 months and i am sooo happy with the results! I recommend to everyone!

Michelle Guirguis

Westchester, NY

I was referred to AltoCredit by my mortgage agent this summer. I had a few collection accounts and nuisance negatives which were holding my score down. This month October '14 I have been preapproved for a loan and looking with my husband for a new home. I will always recommend their services and I am happy so far!!!

Jason K.

Teaneck, NJ

My credit coordinator Amus has been calling me and coaching me through this process. I am still in awe. He removed 18 negative accounts from my credit report. This process is easier than a dental visit. I will always refer friends and family with pride. Thank you again team!


Bronx, NY

Working with my credit advisor was excellent. I was referred to this company through
an auto dealership and after about four months I'm high enough to qualify for a used
car. I am still a customer now working on my credit and will continue as long as it takes.

Our Advisors Are Standing By

We’re ready to help you achieve your goals.

Our Clients Get Results!

Download Our Free Guide to Find Out How

Check out our Proven Credit Repair Process to see how we help clients improve their credit as much as 100 points in as little as 30 days!

Get Your Copy Today!
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