About Intelligent Credit

Your Reliable Partner for Credit and Financial Growth

CEO - Xavien Rafael

At Intelligent Credit, we make credit simple. Our mission is to help individuals and business owners repair, build, and leverage their credit to unlock real opportunities.

Through proven strategies, we’ve helped clients secure
$50K+ in funding at 0% APR, separate personal and business finances, and gain the confidence to grow. But more than numbers, we empower our clients with the tools, education, and strategies they need to take control of their financial journey.

Whether you’re rebuilding after setbacks, starting a new business, or preparing for your next big investment, we provide
step-by-step guidance tailored to your unique goals. Our approach isn’t one-size-fits-all—we focus on creating a clear, actionable plan that delivers long-term results.

We believe in
transparent guidance, tailored solutions, and real results—because your financial future deserves nothing less. At Intelligent Credit, we’re not just fixing credit scores; we’re opening doors to financial freedom, security, and lasting success.

What Sets Intelligent Credit AparT

At Intelligent Credit, we don’t believe in one-size-fits-all solutions. We take the time to understand your unique credit challenges and financial goals, then create a strategy designed just for you.

Whether you’re rebuilding your credit, securing funding, or restoring your banking history — we’re by your side through every step.

Our Promise to You

At Intelligent Credit, we don’t believe in one-size-fits-all solutions. We take the time to understand your unique credit challenges and financial goals, then create a strategy designed just for you.

Whether you’re rebuilding your credit, securing funding, or restoring your banking history — we’re by your side through every step.

Our Promise to You

At Intelligent Credit, we don’t believe in one-size-fits-all solutions. We take the time to understand your unique credit challenges and financial goals, then create a strategy designed just for you.

Whether you’re rebuilding your credit, securing funding, or restoring your banking history — we’re by your side through every step.

We’re Here When You’re Ready

We’re not just another service — we’re real people committed to your success. Whether you’re looking for business funding, credit repair, or guidance to restore your financial standing, we’re ready to listen and support you every step of the way.

Our inbox is always open, and we respond quickly and personally. Reach out today — one message could set your financial future in motion.

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Contact Info

Business hours 24/7

200 wilcrest dr, Houston TX 77042

Contact Info

Business hours 24/7

3200 wilcrest Dr, Houston TX 77042

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