Find the Best Credit Repair Agency Tampa FL Credit Restoration near me | SmartGuy

Find the Best Credit Repair Agency Tampa FL Credit Restoration near me

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How to find the Best Credit Repair for Tampa, FL in 2019? Beware. Not all credit repair agencies in the community of Tampa are equal. How do you determine the right credit repair companies to fit your needs best? 

With this goal in mind, and after extensive research, we are pleased to announce our choice.

SmartGuy® 2019 the Best Credit Repair Tampa, Florida, is:

Diversified Services Inc.
Olga L. Quiroz
Tampa, FL 33612
(813) 900-6512

Should I Get Credit Repair Counseling?

If you don't have a rainy day or emergency fund, are you struggling to pay your monthly bills? If making minimum payments on your credit cards and or revolving accounts, credit repair counseling can be a great alternative. Many times people who find themselves in this position consider filing for bankruptcy. Credit counseling is a viable option for bankruptcy. 

On the other hand, people wonder whether it’s worth the time and money to go through credit repair counseling because of the time and effort it takes to repair and restore credit. 

How do you get started repairing your credit?

There are numerous options available in repairing your credit. Even if you have bad credit, there are several simple solutions. It is not impossible to repair bad credit. Work with a good credit repair counselor who can provide you with various ways to improve your credit and even completely restore it. Sometimes in a very short period. 

Here are four simple steps you can do for yourself to begin repairing your credit:

1) Find a good credit counseling service

A Credit Repair Counselor can give you simple steps for better handling your money. The counselor can many times negotiate with your creditors on your behalf to find a flexible payback solution. Often, they can reduce the balance you owe. 

2) Get copies of your credit reports and examine for errors

Reviewing your credit report is one straightforward and easy step to start the process. You can get a copy of your report for free at least once every 12 months. Your credit score will not be affected by this inquiry.  

If you find errors, write to the credit bureau and point out the incorrect items. They will review it. If they agree that it is a mistake, they will correct it. The wrong items should be removed from your report. It will instantly improve your credit score.  Keep in communications with the credit bureaus until the mistake has been removed.

3) Pay on time on your existing bills

Start paying on time; this is one of the easiest ways to improve your credit. Many people ignore this simple step. The idea is, to pay something when the payment is due, creditors give positive points on your report for payments made on time. 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 make timely payments.

4) Start Saving

Cut down or eliminate Impulse spending. It is a major problem and often results in people acquiring more debt than they can repay. Pay yourself by placing a certain amount of every paycheck you receive in some method of savings. 

          How to select the best credit repair company for you

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

          • The Credit Repair Agency should be accredited by the Better Business Bureau or other Credit Counseling agency.
          • Research the company and read their online reviews.
          • Consider any upfront fees.

          Beware of Scammers

          It can't be said enough. Beware of the scammer. There are credit repair firms who 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 dispute everything on your credit report even if it’s right, they are not legit. If they ask you to provide a false social security number - they will scam you.

          Look to work with a company who will purposefully work toward increasing their customer's credit scores. One that assists in removing negative information from credit reports and educating their customers to enhance their overall financial well-being.

          More about Diversified Financial Services and Olga  L. Quiroz 

          Olga Quiroz is an authorized Agent for Financial Education Services (FES) in the Tampa community. Her primary purpose for being Credit Repair Specialist is to have the ability to help others repair their credit without having to sign a contract. Ms. Quiroz is also utilizing the United Credit Education Services program. She offers easy monthly payments until her customers reach your five (5) credit repair referrals, and then it is free. 

          As a UCES associate, her clients can work with all three credit bureaus (Experian, Transunion, and Equifax) at the same time. They are also given the opportunity to have access to the services previously mentioned.

          United Credit Education Services work in the area of:

          • Building credit knowledge
          • Learning Credit Monitoring
          • Building Debt-Free Payoff Plan
          • Learning about Identity Protection
          • Importance of Purchasing the proper insurance protection
          • Developing a blueprint to identify important financial contacts and important financial information
          • Developing a Savings Plan
          • Creating a Will and Trust plans
          • Providing financial education for the children

          The UCES training and webinars offered is what keeps Olga motivated. There is so much room for growth, and advancement is at your own pace. 

          For more detailed explanations about a company that provides these type of credit repair services, contact:

          Best Credit Repair Agency in Tampa