Simula Virtual Solutions was founded in 2024 by Chemm Morados — a former corporate employee who took a leap of faith into freelancing with nothing but a computer, determination, and a little knowledge about credit repair.
After nearly five years in the corporate world, Chemm realized he wanted more than just a stable paycheck. He was looking for freedom, growth, and the chance to build something meaningful. With limited resources but an unstoppable drive to learn, he immersed himself in U.S. credit laws, dispute strategies, and the ins and outs of the credit repair industry.
That journey led to the creation of Simula — which means “beginning” in Filipino — a name that reflects both his personal transformation and his mission to help others start fresh. What began as a solo freelance effort is now a trusted virtual team providing strategic, compliant, and results-driven credit repair services to clients across the U.S.
Simula Virtual Solutions exists to prove one thing: no matter where you start, growth is always possible — all you need is the courage to begin.
