Javier Medina
Javier leads strategy and credit analysis. He reviews reports, identifies what matters most first, and ensures every dispute aligns with a clean, compliant plan — built around the client’s goals.
Who we are
Momentum Scores is a family-run credit restoration company led by owners Javier and Stephany. We’re hands-on in every case, strategy, letter creation, printing, and mailing — all handled in-house.
We don’t outsource dispute work to third parties. No overseas contractors. No unknown “VAs.” Our team is U.S.-based and directly supervised, so your information stays protected and your case stays consistent.
We also stay within the law and compliance. We do not file false identity theft claims. We don’t use shady tactics that could put our clients at risk. Our process focuses on accuracy, documentation, and disputing only what is inaccurate, inconsistent, or not properly verifiable.
What makes us different
- All dispute work happens in-house (no outsourcing)
- U.S.-based staff we can monitor and oversee
- Custom letters — no generic templates
- Compliance-first: no false identity theft disputes
- Secure handling of client information
Meet the owners
Stephany Alvarado Medina
Stephany leads client support and execution. She oversees the day-to-day workflow, quality control on letters, and makes sure each client stays informed on what’s happening and what’s next.
When you work with Momentum Scores, you’re not handed off to strangers — you’re working with a supervised, in-house team.
How it works
1
We analyze your full credit profile
We review what’s reporting, what’s holding you back, and what needs to be addressed first for the most impact.
2
We create and send custom dispute letters
Every letter is written for your file — not copied and pasted. We document the process and stay compliant from start to finish.
3
We help you build stronger credit habits
We’ll guide you on utilization, payments, and positive account strategy so your profile improves while the negative items are addressed.
Client stories
Real Clients. Real Experiences.
Momentum Scores has helped clients across the country remove inaccurate accounts, rebuild their profiles, and get closer to the life they want.
Collection cleanup
“I had collections and late payments following me everywhere. Momentum Scores didn’t sugarcoat anything — they told me exactly what was holding me back and went to work. For the first time in years, my credit finally stopped feeling like a dead end.”
Home Buying Prep
“Stephany and Javier broke everything down and gave me a clear plan. I went from feeling stuck to finally feeling confident having real conversations about buying a home.”
Fresh start
“I was embarrassed by my credit when I started. Month by month, things finally started moving in the right direction. More than anything, I understood what was happening and why — and that changed everything.” ”
Business goals
“Cleaning up my personal credit gave me options I didn’t have before. Momentum Scores gave me structure, direction, and a real roadmap instead of guesswork.”
*Individual experiences vary. Momentum Scores does not guarantee specific results. Outcomes depend on each client’s unique credit profile, participation, and creditor responses.