Who we are and how it work

About Morel Credit Consultants

Morel Credit Consultants was founded to combine careful credit-report review with the education consumers need to make informed financial decisions.

Why Fernando Morel Started the Company

Fernando Morel spent years working in the debt-relief industry. During that work, he repeatedly met consumers whose credit reports contained information they did not recognize or believed was inaccurate, incomplete, duplicated, outdated, or unsupported. He also saw how often people were given confusing or incomplete explanations about how credit reporting works.

Those experiences led Fernando to create Morel Credit Consultants: a company focused on helping clients understand their reports, organize their records, raise legitimate questions about questionable reporting, and develop habits that support their long-term financial goals.

What MOREL Means

MOREL stands for Mentoring Others Reach Economic Liberty. For us, economic liberty is not a promise of instant results. It means helping people gain the knowledge, organization, and confidence to make better-informed decisions about credit, borrowing, and their financial future.

Our Mission

Our mission is to help clients identify and address potentially inaccurate or incomplete credit reporting while teaching them how credit works and how responsible credit use can support greater financial opportunity and independence.

Our Approach

• Individual review: Every client’s reports, records, and circumstances are different. We do not use a one-size-fits-all list of disputes.
• Accuracy first: We address information only when the client identifies a legitimate factual or legal basis for review.
• Education: We explain the process and the credit factors that clients can influence through their own decisions.
• Transparency: We disclose service fees, third-party monitoring costs, cancellation rights, and limitations before enrollment.
• No false promises: We do not guarantee deletions, score increases, approvals, or a fixed completion date.

Who We Serve

We work online with adults across the United States, except residents of Georgia, Alaska, and Hawaii. Clients often contact us after a financial hardship, divorce, job loss, identity-theft concern, debt-relief program, denial of credit, or simply because they want to understand what appears on their reports. Services are not available where prohibited by law.

Our Commitment to Clients

We believe consumers deserve clear information and respectful service. We will explain what we are doing, why we are doing it, and what information we need from you. We will never advise you to make a false statement, conceal accurate information, create a new identity, or dispute information you know is correct.

Learn How the Process Works 

First you click on the get started button below. You will be asked to register as a client, you will sign up for credit monitoring, it is $1 for the first 7 days, this will allow you to pull all 3 of your credit reports and your scores. The Credit monitoring service is $19.99 per month after the first 7 day trial period. You will need to maintain your Credit Monitoring Account active while we work on restoring your credit.

Either me or someone from my team will contact you for a consultation by phone, email, or txt. We will review your goals together. We will make a game plan to help you reach those goals and if you agree to the service Morel Credit Consultants LLC will get to work. You will be not be charged ANYTHING until a FREE consultation has been completed and you agree to the service. From there you will have access to your account online to monitor your progress. We will provide updates as they become available and we may reach out for documents which you will be able to send in by email on the secured client portal. 

After the FREE Consultation if you decide that we are not a good fit and you do not wish to continue with our service. We will close out your account. You will need to log into the credit monitoring service (CREDIT HERO SCORE) and cancel your free trial before the first 7 days. You will be charged $19.99 if you do not cancel withing the first 7 days. CREDIT HERO SCORE is a third party service and we do not control their billing.