Find the Best Credit Repair Specialist in Philadelphia PA Accredited Repair near me | SmartGuy

Find the Best Credit Repair Specialist in Philadelphia PA Accredited Repair near me

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Are you looking for the Best Credit Repair Specialist in Philadelphia, PA?  Be careful, Credit Repair services do not offer the same level of services.  How do you determine which credit repair company in Philadelphia is the best fit for your personal or business financial recovery? 

Here is a company who may have the answers and you should consider.

SmartGuy® 2019 Best Credit Repair in Philadelphia, Pennsylvania, is:

Financial Education Services (FES)
William Irving
Philadelphia, PA 33511
(888)939-6921

What services should you look for? 

Ask them some key questions: 

  • Is credit counseling part of your services? 
  • Can they help you find mistakes on credit reports? 
  • Is there an upfront fee?
  • Do you work with creditors to get better repayment terms? 
  • Are you an accredited credit repair company?
  • Then the question for you is, do I need Credit Repair Counseling?
  • Are you having a hard time paying your monthly bills? Is paying the minimum on your credit card and store charge accounts? 
  • Do you have an emergency or rainy day savings account?

Then be assured credit repair counseling is a great option to start your restoration. 

Here are four most of the most effective strategies:

1) Credit counseling 

Credit counseling specialists can give you strategies to help you better manage your money and negotiate with creditors to remove any negative items from your report. Most times, they can reduce the balance you owe substantially. Agencies that are accredited are very experienced and are skilled in negotiating better terms for you than if you were to do it yourself. 

2) Look for mistakes on your credit report

Scanning your credit report is one straightforward and easy method to quickly improve your credit score. Anyone can get a copy of their report for free at least once every 12 months, so there is no cost to you and no penalty to your credit score inquiry.  

What if you find errors? Contact the credit bureau and let them know what you have discovered. They will review it. If they verify that indeed there is a mistake, they will correct it, and it should be erased from your report. It will instantly improve your credit score.  Mistakes can easily happen and made quite often, so there’s a good chance of this review being effective in improving your credit. The key is, even if they don’t remove something the first time, continue pursuing the mistake. It may take two to three months, but eventually, you can get that erroneous late payment taken off if it occurred.

3) Pay on time

Start paying on time. It is one of the easiest ways to raise your credit. Many people ignore this obvious corrective step. The idea is, to pay something when the payment is due. What if you can’t pay on time? If debt load is too much, look into getting a consolidation loan. It can reduce the amount you owe, and enables you to pay to make timely payments.

4) Build up your savings

Impulse spending is a big problem and often results in people acquiring more debt than they can repay. Instead of spending on things you don’t need, start putting a certain percentage of your money away every month into a savings account. Pay yourself first out of every dollar you receive. One of the reasons people often find themselves burdened with debt is the lack of an emergency fund. Without the fund, when an emergency or unplanned expense happens, the cost is “charged” to a credit card, or the money for a future payment is used - leaving one unable to make a timely payment. It usually begins a “snowball,” and late payments start to occur regularly. 

How to Choose the Right Credit Repair Company

Here are three ways to help you find the most effective firm:

1) Check their Accreditation

Ask if the company has the necessary credentials to deal with your case. They should be part of the NFCC or AICCCA. There are a lot of scammers in this industry who take your money and are never heard from again. But you know that if a company has gone to the trouble of getting accreditation, they are the real deal. 

2) Read online reviews 

Reviews are important in any industry, and this one is no different. Research online to discover what their current and past customers are saying about them. It is particularly necessary if it’s a firm you’ve never heard of. 

3) Look at their upfront charges    

The standard practice in this industry is to provide a one-time consultation for free or for a minimal amount. If a company is asking for a large initial payment, be wary. They often are scammers, looking to capitalize on your misfortune. Best to avoid them and continue searching for legitimate credit repair service companies.

Be very leery of Scammers

It can’t be said enough. Beware of the scammer. Many firms prey on people with bad credit. They claim they are going to help you raise your score, eliminate bad credit history and such. But often they take your money and disappear. If they say to dispute everything on your credit report even if it’s right, inevitably, they are not legit. 

More about Financial Education Services and William Irving

William Irving dedicates his time to helping remove all items that are negative found on his client’s credit report. 

A few negative kinds of information can come in the form of:

  • Incorrect information, including accounts that aren’t yours, payments that have been incorrectly reported late, etc.
  • Past due accounts that are late charged off, or have been sent to collections
  • Maxed-out accounts that are over the credit limit

He also wishes to introduce them to a successfully designed financial education program.

Financial Education Services (FES) is aligned with UCES - United Credit Education Services. FES works toward raising customers’ credit scores, removing negative information from their credit reports and educate them to enhance their overall financial well-being.

Their services are specific in the area of:

  • Credit Education helping to build Credit knowledge
  • Understanding Credit Monitoring
  • Understanding Debt-Free Payoff Plan
  • Understanding the Importance of Identity Protection
  • Importance of Term Life Protection for their family
  • Develop a Financial Roadmap to identify important contacts and pertinent financial information
  • Builds a Network Tracking Report
  • Establish a stable and consistent practice of savings
  • Design and develop your Will and Trust 
  • Institute a Family training program for the youth members.

For more information, contact Mr. Irving at FES, and he will get you started.

Best Credit Repair Specialist in Philadelphia