Find the Best Credit Repair Birmingham AL Get Back on Track


Are you looking for the Best Credit Repair Services in Birmingham, AL? Want to raise your credit score in Birmingham?  We have compiled names of credit repair companies to help you choose the best one that fits your needs. We examined their professionalism and how they assist in the needs of their customers. How much experience do they have? How flexible is their pricing and much more?  

We present to you a company whose goals and purpose fit your needs.

SmartGuy® 2019 Best Credit Repair Service in Birmingham, Alabama is

Terrell Oliver Credit
Financial Education Services
601 80th Street South
Birmingham, AL 35206
(205) 541-7619

What is a Credit Repair Company?

A consumer credit repair agency is a company the offers to improve your credit for a fee. They will do all the heavy lifting when working with the credit reporting agencies. A credit repair agency is far different from a credit counseling agency. A credit repair company will take all the necessary steps to get your credit back in good standing. While a credit counseling agency is usually a free resource that will provide guidance and education to help you improve and manage your financial situation.

How Do Credit Repair Services Work?

A consumer credit repair agency gets things going by requesting copies of your credit reports from all 3 major credit bureaus which are Equifax, Experian, and TransUnion. After receiving this information, the company will review your reports for derogatory information that works against you and develop a plan to fix the errors. Their goal is to help you remove any inaccurate reporting on your credit report, and help you get moving forward again. 

How Do They Use This Information to Help Me?

Credit repair consultant will go through all your information with the credit bureaus and your creditors in order to challenge any negative information that affects your overall credit score. 

They work closely with you to make sure your credit history is up-to-date, accurate, and has a positive effect on your current financial standing. 

They will contact the creditors and introduce any documents that support the disputed information for you. They will continue to work on your behalf until all the disputed information has satisfied and removed from your credit report.

What Do I to Know When Hiring a Credit Repair Consultant?

Refrain from working with credit repair consultants that make unbelievable promises you by stating they can clean up your report very quickly. If it sounds too good to be true, it probably is too good to be true. 

If a credit repair consultant ever advises you to misrepresent or falsify your Social Security number and wants to remove or add information on your credit report. Always ask if there any testimonials you can refer to online or check all of the review websites for any positive or negative reviews from current and past customers. 

More about Terrell Oliver Credit

Terrell Oliver is one of the best credit repair consultants in the Birmingham community that specializes in work towards raising customers credit scores, removing negative information from their credit reports and educate them to enhance their overall financial well-being and independence. Terrell is also affiliated with Financial Education Services (FES). FES offers a complete menu of credit restoration and education. They utilize the United Credit Education Services program to teach their clients how to strengthen their credit scores and understand the importance of Credit Monitoring, creating a financial package for the well-being of their family such as Term Life Insurance, and teaching their children about handling finances.

For more information about Credit Repair and Restoration and the UCES program contact Terrell Oliver.

Best Credit Repair Consultants in Birmingham