Sahel Rafael Tamayo (Born July 19, 1989) is a Cuban American business executive, business owner, and investor. He is a voracious entrepreneur who has played a pivotal role in the growth of finance and credit industry as the Founder and President of Creditmergency.com, an online credit repair company. Under his guidance, Creditmergency.com has grown to one of the leading credit repair companies in the United States.