About Us

Julio Granda

Cloud9 Credit is a restoration company. We help you get to where you want to be, we analyze, we restore, we deliver excellent credit.  

The founder of cloud9 Julio Granda is a finance industry veteran who started his real estate career in 1997, specializing in funding loans for clients with challenged credit.  He understands credit and how to get his clients approved.  His reputation became one of success,  “if he can’t do it, it can't be done."  He transitioned into  commercial lending, international banking and project funding. Owning and operating several successful companies including, Empire Mortgage Funding, Inc., Amsterdam Mortgage Annexx, Inc. and EloanSettle, LLC, all serving the residential and commercial real estate finance industry.
He has raised hundreds of millions of dollars to fund projects across many industries, building strong relationships with various lenders, private investors, conduits, banks, Wall Street firms and corporate investors.  He has accumulated a wealth of knowledge and experience, which he has now brought to raising capital for projects through crowd funding.  His team has been restoring credit since 2007, with great success and satisfaction.  

Carrie Lombardo

Executive Director of Operations and Credit Restoration Specialist

My career started 15 years ago, working for several companies doing what we do best here. Taking all that experience and refined skills to serve you here at Cloud9 Credit. I am excited to be a part of such a great company. Before becoming a part of Cloud9 Credit,  I truly did my homework and was surprised to find hundreds of businesses like ours in operation. However, very few had the integrity and dedication to customer service that we have committed to our profession. We realize that we are not given a second chance to make a great first impression. So, with that in mind, I follow my old mentor's maxim of, "Do it right the first time so you don't have to do it again." This has proven to be a great piece of advice for me throughout the years.

Having been in the customer service business my whole life, I know what it's like to provide great World Class Customer Service. In turn, I extend it just as I like to receive it, sincere, from the heart, and always representing something I can truly look you in the eye and believe in. You will not wait long for a return call from Cloud9 Credit's Specialist. If your process is taking longer than usual, you can be certain that I'll explain why. Communication is always the key to better understanding between us and our clients.

I want every client of Cloud9 Credit to experience a level of trust with every member of our staff that assures them that they are in great hands. Our attention to "your" detail is our utmost priority. But please remember, the process of fixing and restoring your credit will not happen overnight, however, in most cases, we see a huge difference fairly fast.

The timeliness of your results also depends on the timeliness of your communication with us. Remember, we're on the same mission, to help you achieve a positive outlook on your financial future. We're here to help you raise your standard of living. Help us Help you! Together, we'll make your credit better!

Xavier D Sparrow

Regional Sales Director

Xavier is a new comer to the finance industry, however after only 2 years in the industry has become an expert in credit restoration. He’s transitioned into credit restoration from the residential mortgage loan industry. Xavier is also working on integrating our manual systems to automated technology.  He has successfully worked with over 100 clients with satisfaction and provided World Class Customer Service. Rising star.