real results by rizza
FEMURE · Done-For-You Restoration · All 50 States
Rebuild something
worth keeping.
A hands-on credit restoration program for people with real goals. We audit, dispute and rebuild your profile — you keep the keys, the approvals and the funding.
Book My Free Credit Call
A full restoration. Start to finish.
Femure is a done-for-you credit restoration program where you learn by watching. From your first forensic audit to your final verified deletion, you experience the complete process without lifting a finger.
No previous knowledge needed. Just come with your goals — the home, the car, the business — and we handle every letter, call and filing in between.
Client Success Story
Hear it from Darrian.
her bills? paid.
real client, real receipts
The Program
Where We Excel.
Decades of credit mastery distilled into one guided journey. Scroll through the three pillars — every round visible, verified, and done entirely for you.
The Deletion Engine
Every round of disputes is crafted, mailed and tracked for you. Late pays, collections, charge-offs, inquiries — we attack them all.
Score Building
Deletions are step one. We then architect your profile for 700+ — utilization, mix, and age strategy built on our 800-score blueprint.
Funding Ready
Mortgage, auto and business funding preparation. You walk into every lender's office with a profile that gets approved.
Outcomes
What you'll build.
Start with a damaged report. Leave with a funded-ready profile. You'll watch every piece come off, one verified round at a time.
Round 1
A Clean Report
Every negative item, attacked.
Late pays, collections, charge-offs, inquiries — we dispute them all, round after round, until they're gone.
Score Building
A 700+ Score
Deletions are only step one.
We then architect your utilization, credit mix and account age on our blueprint to an 800 score.
The Endgame
Funding Readiness
Approval-ready, not just repaired.
Mortgage, auto and business funding preparation. You walk into every lender with a profile that gets approved.
Every deletion verified · All three bureaus · 100% FCRA protected
Book My Free Credit CallAfter the repair
Then comes the funding.
Once your credit is restored, we send you straight to our funding department to qualify for personal or business funding — and for mortgages, our Northern California broker partners take it from there.
Personal Funding
With your score restored, you qualify for personal funding at real rates — cards, loans and lines your old profile could never touch.
Business Funding
Whether you're forming a new LLC or already generating revenue, our funding department positions you for business credit and capital.
Mortgage
Buying a home? We've partnered with mortgage brokers in Northern California to get you pre-approved on a clean, funded-ready profile.
repair the credit → unlock the funding
Start With My CreditThe Process
Six moves. Done for you.
The Cost
Bad credit is expensive.
Same person. Same purchases. Wildly different bills. Here's what your profile costs you today — and where it goes once it's rebuilt.
Auto Loan
$30,000 · 60 months
Bad Credit
18.9% APR
$0/mo
$16,620 in interest
Good Credit
5.4% APR
$0/mo
$4,266 in interest
Credit Card
$5,000 balance paid at $150/mo
Bad Credit
29.9% APR
0 months to pay off
~$3,560 in interest
Good Credit
14.9% APR
0 months to pay off
~$860 in interest
Mortgage
$300,000 · 30 years
Bad Credit
7.8% APR
$0/mo
$477,000 in interest
Good Credit
6.1% APR
$0/mo
$354,000 in interest
Meet the Specialist
Learn from someone who knows the craft.
Rizza Prado
Founder & Credit Strategist — The Credit Queen
With years in consumer credit and business funding, Rizza built Femure the same way she rebuilt her own profile: simple explanations, relentless disputes and room for real goals.
"Master the fundamentals. Then fund the future."
10+
Years in consumer credit
3
Bureaus attacked, every round
Our Team
swipeMarcus Bennett
Credit Dispute Manager
“Honestly, I read credit files like novels. Yours is about to get a happy ending.”
Veronica Cole
Credit Advisor
“Babe, your credit score deserves a glow-up more than your skincare routine.”
Inside the Program
Everything you need, at your fingertips.
The Client Portal
Your score, rounds and messages in one place.
The Rounds Board
Every round compared report-to-report.
Your Specialist
A real human, reachable from day one.
Verified Deletions
Nothing counts until we see it gone.
Location
Wherever you are.
100% remote · All 50 states. Everything happens inside your client portal — audit, disputes, rounds and results. Your specialist is a message away.
Reviews
What people say.
Real experiences from people who came to Femure to fix their credit, slow down the denials, and make something of their own.
"520 to 662 in 3 months. My first home got approved right after."
"I went from denied everywhere to approved everywhere in under 5 months."
"First credit card approvals in years — all in one round of disputes."
Questions
Everything, answered.
Reserve Your Place
Make your move.
Choose your plan, book a free call, and we'll take care of the rest.
The Essentials
$99 setup fee
- Dedicated Credit Specialist
- Full tri-bureau audit
- Unlimited disputes
- Client portal access
- Cancel anytime
The Signature
$150 setup fee
- Everything in Essentials
- Inquiry removals
- Metro 2 aggressive attacks
- The Blueprint to 800
- Mortgage & auto prep
- Cancel anytime
The Annual
$0 setup fee · Save $803
- Everything in Signature
- Priority specialist access
- Full 12 months of service
- No recurring payments
- Klarna & Affirm accepted
No deletions in 3 months? You don't pay.
We only get paid when the work works. Every plan is month-to-month and cancellable anytime — the results carry the guarantee, not the contract.
Claim My Free Consultation