Find the Best Credit Repair Specialist in Brandon FL in 2019 Accredited Repair near me

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Are you looking for the Best Credit Repair Specialist in Brandon, FL?  In addition to repairing credit, is credit counseling and education services also provided to the community of Brandon? Does this Credit Repair company charge upfront fees?

With the goal in mind to find a company which meets your needs, we present to you:

SmartGuy® 2019 Best Credit Repair in Brandon, Florida, is:

1st Choice Credit Repair
Bobby Kim
Brandon, FL 33511
(813) 530-6948

Should I Get Credit Repair Counseling?

Are struggling to pay your monthly bills, make minimum payments on your credit cards, and or revolving accounts? You also do not have an emergency or rainy day fund? You need credit repair counseling as a great option. 

Too often, people consider filing bankruptcy as their only alternative. Credit counseling is one of the possible options for bankruptcy. It is definitely worth the time and money to go through Credit Repair counseling.

Starting the Process

When overwhelmed, people believe it is impossible to repair their credit. But there are ways to improve and restore your credit in a very short time. Credit Repair counseling offers you many options. 

Consider these four effective strategies:

1) Credit counseling 

Help you set goals for better money management and negotiate with creditors on your behalf. Most times, they can substantially reduce your outstanding balances. Experienced accredited agencies have a much better chance of negotiating better terms for you than if you were to do it yourself. 

2) Check for mistakes on your credit report

Reviewing your credit report is the straight-forward and easy method to improve your credit score quickly. Once every twelve months, you can order a free credit report. 

What to do about Mistakes? 

You should contact the credit bureau in writing. Let them know which items are incorrect. When they review it and find indeed there is a mistake, they will correct it, and erase it from your report. It will instantly improve your credit score.  Mistakes happen, and it is a good chance this review is effective in improving your credit.

If they do not remove the inaccurate item, continue to contact them until it is removed. Allow two to three months for the process. Eventually, you can get that erroneous information taken off.

3) Make on-time payments

It is easier said than done if there are cash flow issues. Nevertheless, this is one of the most straight forward steps to raise your credit.  It is impossible to make timely payments, consider debt consolidation.

4) Establish a Savings 

Build up a savings or nest egg to help you when times are financially tight. No matter how small, the money can add up and be there when you need it.

What if you need more help? Then contact 1st Choice Credit Repair.

More about 1st Choice Credit Repair and Bobby Kim

Bobby Kim is Regional Vice President Credit Specialist of 1st Choice. He specializes in helping remove all items that are negative on your report. A few negative kinds of information can come in the form of:

Incorrect information, including accounts that have incorrectly been reported as yours, payments reported as late when they were paid on time or completely, and more.

They also report past due accounts that are late, charged off, or have been sent to collections.

Maxed-out accounts that are over the credit limit

1st Choice is also aligned with UCES - United Credit Education Services. Their primary purpose is to work toward raising customers’ credit scores. They assist in removing negative information from credit reports and educating their customers to enhance their overall financial well-being.

Their services are specific in the area of:

  • Build credit knowledge with their Credit Builder Program
  • Credit Monitoring
  • Debt-Free Payoff Plan
  • Identity Protection
  • Term Life Protection for their family
  • Financial Roadmap to identify important contacts and pertinent financial information
  • Network Tracking Report
  • Develop a Savings Plan
  • Create Will and Trust plans
  • Financial Education for the Children

For more detailed explanations about UCES, contact Mr. Kim at 1st Choice, and he will inform you of the services and get you started.

Best Credit Repair Specialist in Brandon