Find the Best Credit Repair Denver CO Increase My Credit Score | SmartGuy

Find the Best Credit Repair Denver CO Increase My Credit Score

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How to find the Best Credit Repair for Denver CO in 2019? Did you know that not all credit repair services are equal? How do you determine which credit repair companies are the best fit for your needs? So what services should you be looking for? Here are some crucial questions: Do you provide credit counseling for free, or is there a fee? How do I address errors on my credit reports? Is there a fee charged for your services, upfront? Do you have reviews from others who have used your company? 

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

SmartGuy® 2019 award for the Best Credit Repair Denver, Colorado, is:

Diversified Services Inc.
Olga L. Quiroz
Denver CO USA, 80022
(813) 900-6512

Should I Get Credit Repair Counseling?

You should seek help if you do not have an emergency or rainy day fund. You should seek advice if you are struggling to pay monthly bills. You can't seem to keep up with paying minimum payments on credit cards and or revolving accounts. Credit repair counseling can be a great alternative. Many times people who find themselves in this awkward situation 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 time and disciple it takes to repair your credit. 

How do I get started repairing my credit?

Using a good credit repair service can provide you with several ways to improve your credit and even wholly 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.

Credit counselors will show you simple steps for better handling of your money. It can many times negotiate with your creditors on your behalf to find a workable payback solution. Reducing the balance of what you owe is their focus. 

2) Order your credit reports and look for errors.

Look over your credit report. In one very simple and easy step to get the process of improving your credit score started. You can send for a free copy of your report at least once every 12 months. There is no penalty associated with receiving this report.

What if you find errors? Contact the credit bureau and let them know what you found. Your claim will be reviewed. If the error is verified, they will correct it, and it should be erased from your report. Your credit score will have an immediate positive effect. Mistakes happen and quite often,  are overlooked, 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 error. It may take two to three months, but eventually, you can get that erroneous late payment taken off if it occurred.

3) Pay on your bills on time.

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 paying them on time is out of the question? Look into getting a consolidation loan. It can reduce the amount you owe and enables you to make timely payments.

4) Get started saving.

Reduce your impulse spending. It is a big problem and often results in people acquiring more debt than they can repay. Don't spend money on things you don’t need. Putting a certain amount of your money away every month into a savings account will go a long way to helping you learn money management. Pay yourself first out of every paycheck 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, and your credit report reflects the negative. 

How to select the best credit repair company.

The following three ways will help you find the most effective company:

1) Being accredited is important. 

Ask if the credit repair company has the necessary credentials to deal with your case. Check with the Better Business Bureau or other Credit Associations. There are a lot of scammers in the credit repair industry. They take your money and are never heard from again. If a company has gone to the trouble of getting accreditation, the odds are, they are the real deal. 

2) Research the company and read their online reviews. 

Reviews are essential in any industry; 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 credit repair service you’ve never heard of. Be sure to read multiple reviews and any responses given by the company. Just because someone gave a poor review, doesn't mean the company was a fault. 

3) Consider any upfront fees.

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 cautious. They often are scammers, looking to capitalize on your misfortune. It is probably best to avoid them and continue searching for legitimate credit repair service companies.

Look to work with a company whose primary focus is to 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 

What are other services offered Diversified Financial Services, the Best Credit Repair Service company in Denver?

Their services  are in the area of:

  • Build credit knowledge with a credit builder program
  • Credit Monitoring
  • Debt-Free Payoff Plan
  • Identity Protection
  • Term Life Protection for their family
  • Financial Roadmap to identify essential contacts and pertinent business information
  • Develop a Savings Plan
  • Create Will and Trust plans
  • Financial education for any children

Olga Quiroz is an authorized Agent for Financial Education Services (FES) in the Denver 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. For example, Credit Monitoring, Smart Credit without inquiries affecting your FICO Score, Power of Attorney (POA),  Will, Trust, etc.

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

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

Best Credit Repair Services in Denver