Built on Integrity. Focused on Your Future.
At Plus Ultra Recharge, we are built on a simple foundation: good intentions, honest work, and real results.
Why People Choose Plus Ultra Recharge
We believe credit improvement should be simple, transparent, and focused on long-term success.
You’re not just another file or number
You're someone with goals, responsibilities, and a vision for your future.
ABOUT PLUS ULTRA RECHARGE
We understand that your credit is more than just a number—it’s the key to opportunities, stability, and peace of mind. That’s why we are committed to helping every client move forward with confidence, no matter where they’re starting from.
Whether you're rebuilding, starting fresh, or preparing for a major milestone like buying a home, we’re here to guide you every step of the way.
OUR MISSION
At Plus Ultra Recharge, our mission is to empower individuals and families to take control of their financial future through honest, effective, and personalized credit solutions.
WE ARE COMMITTED TO:
Educating our clients so they understand how credit truly works
Restoring confidence after financial setbacks
Helping you move beyond past challenges toward lasting stability and new opportunities
We don’t just improve credit—we help you build a stronger financial foundation for life.
Our values shape everything we do—and how we serve you.
INTEGRITY OVER SHORTCUTS
We do things the right way. No false promises. No unethical tactics.
PEOPLE OVER PROFITS
Your success matters more than anything else. We’re here to serve, not sell.
EDUCATION OVER DEPENDENCY
We teach you how credit works so you can stay in control long-term.
RESULTS WITH RESPONSIBILITY
We focus on real, sustainable outcomes—not quick fixes that don’t last.
We Help People Create New Possibilities
Individuals rebuilding after financial hardship
People dealing with collections, charge-offs, or late payments
Young adults building credit for the first time
Self-employed professionals strengthening their financial profile
Families working toward financial stability
Individuals preparing for major life goals
Anyone ready to improve their credit and create more opportunities
Your Past Doesn't Define Your Future
Life happens.
Unexpected hardships, medical expenses, job loss, divorce, or simply not having access to the right financial education can impact your credit.
We believe everyone deserves the opportunity to move forward.
That's why Plus Ultra Recharge is committed to helping individuals and families rebuild confidence, improve their credit, and create a stronger future.
Because a second chance should come with real support.
No matter your starting point, we meet you there—and help you move forward.
Meet the Team
Stephanie Cardoso leads our credit side. After 10 years as a REALTOR®, she has seen how credit can open or close the door for a family, and she works to see families changed for the better.
She treats every client like family, not a file, and gives 110% to get every detail right. Fluent in Spanish, she also brings a background in Medical Business Administration. Outside work, you'll find her kickboxing, running or outdoors.
Jay Gonzalez brings 30+ years in mortgages. As a licensed loan officer (NMLS #1712073), he builds every credit plan around what lenders look for, so the finish line is a home of your own.
Se habla español.
