About Us

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Meet Our Team

700 Credit Repair is a national credit restoration company that works with clients and creditors to improve credit profiles by challenging questionable, inaccurate, outdated, misleading and / or unverifiable data on consumer credit reports.

We understand the unforeseen can happen. We believe everyone deserves a second chance and our credit experts are here to help you. We work with you, the credit bureaus and your creditors to help you attain the highest best credit possible... and give you the knowledge to keep it that way.

Billy Alt

CEO 700 Services

William "Billy" Alt
CEO – 700 Services
CEO - 700 Credit Repair
CEO - 700 Insurance Solutions

Head Visionary at Billy Alt's Life Changing Results Ranch

Author of "Constructing Success" and other publications

- Founded 700 Services in 2007
- Consumer Credit Expert Witness
- Credit Expert
- Business & Sales coach/mentor/trainer
- Over 25 years of real world credit and mortgage experience
- Texas Real Estate Commission Instructor
- Over 5,000 Real Estate transactions closed
- Certified Credit Repair Agent
- Over 100 foreclosure HUD/FHA/REO Real Estate transactions bought/sold & closed
- Dedicated Husband & Father of 5
- Recognized Credit Expert
- Sub-Prime Mortgage Loan Consultant
- Direct Response Marketing Expert

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Melissa Alt

President of Operations

With years of extensive finance and credit experience, it's no wonder Melissa's customers experience an average deletion rate of over 70%. Melissa has spent over 20 years in the banking, finance and mortgage arena. Melissa attended college at Stephen F. Austin and Texas Tech University. Early on in her career she served as an executive assistant where she learned the fundamentals and core values of business. Melissa spent time as a loan originator, processor and closer with Wells Fargo Mortgage where she gained a wealth of knowledge regarding credit, mortgage approvals, credit conditions and other credit and mortgage details. She spent time working for a leading home seller as the office manager and quickly worked her way up to operations manager where she furthered her knowledge of  fha loan closing, documents and dealing with mortgage companies, customers, title companies and funding sources.

She is the proud mother of twin daughters Alexis and Alleah and son Brody. Melissa is the daughter of a retired school teacher and grew up in Troup, Texas located about 2 hours east of Dallas in the piney woods of east Texas. Her strong Christian beliefs and credit, mortgage and banking knowledge have made her a key player in the industry.

As the Director of Finance, Melissa is responsible for all financial decisions for the company, including profit and loss statements and financials. She also oversees processing, billing and all administrative duties as well as working closely with employee relations.

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Cole Alt

VP of National Accounts - Credit Portfolio Manager

Cole Alt, an expert in Credit Restoration, is the National Affiliate Manager at 700 Credit Repair.

Prior to working for 700 Credit Repair Cole was at school at Texas Tech acquiring a degree in Marketing.

Cole grew up in the piney woods of East Texas in a town called Tyler. There he attended Bishop Gorman Private school where he was instilled with a strong work ethic, courage, and leadership. During school in his younger days Cole would hustle to make money anyway he could legally and ethically. He started out knocking doors to see if neighbors wanted their lawn mowed. Then gradually moved on to retail, food service industry, and marketing services during high school. In the last year Cole has started working with a group called Break Free Academy that is a network of all of the best business owners and entrepreneurs. During the past year he graduated from BFA Live where he learned how to figure out the best way to give others his message that he can help them with their dreams of Home Ownership. Cole is the son of Billy Alt, President of 700 Credit Repair. He is very passionate about helping others through his family business. Cole understands everything it takes to have a perfect credit score and knows he can help anyone that wants to improve their credit score.


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Iris Valerio

Team Member

Iris Graduated from UNT Dallas with a Bachelors of Science in Logistics and minor in Finance. She has extensive customer service and has held an internship with one of the leading 3PLs (Third Party Logistic Company) in the country. Iris enjoys helping people and hopes to one day become an expert in credit repair and mortgage lending. She is a Dallas native. Her hobbies include: Kickboxing and baby-sitting her 1 year old nephew. She comes from a big family and is extremely family oriented!

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Gabriela Pimentel

Credit Analyst/Processor

Gabby started her Credit Repair career as a paralegal with one of the strongest companies in the industry. There she helped clients with the upfront review process of going through their reports  and learning more about their situation. She was quickly promoted to the backend of the process and reviewed results and their current scores and credit after each round with clients.  She recently moved to Texas where she has found a home with 700 Credit Repair!

Gabby said, " I feel good about working for a company that truly wants clients to reach their goals. I am very passionate about working where I can feel like I'm helping people. I have a daughter that is 8 months and have a lot of goals in life, so I know how important it is to have good credit".

Gabby is in our processing department where she reviews the first round of letters and helps create the next set of unlimited disputes by reading the FICO score codes, looking for new negative items and seeing the utilization of the client.

We are proud to have her part of our processing team!

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