ServicesCredit Repair
Credit Repair in Brandon
We go through your credit reports line by line, find the items that are wrong, outdated or can't be verified, and dispute them with the credit bureaus. You get a plan you can follow and a straight answer about what can change and what can't.
What Credit Repair Is, and What It Isn't
Credit repair means challenging items on your credit report that shouldn't be there. A late payment you never made. A collection you cleared that still reads like you owe it. A card opened by someone whose name is close to yours. Federal law says the bureaus have to investigate when you dispute an item, and they have to correct or remove what can't be verified.
It does not wipe out debt you really owe. An accurate late payment can stay for up to seven years. We will tell you that up front, then put our effort where a dispute has a real chance.
You can sit down with us at our office, or we can go over everything on a phone or video call, whichever fits your week. Most people we work with want a better credit score so they can get a car loan, a mortgage, credit lines or business funding down the road.
What Our Credit Repair Program Covers
- A full review of all three reports
- We lay your Equifax, Experian and TransUnion reports next to each other. A mistake can sit on one bureau's file and be missing from the other two, so reading only one report leaves problems behind.
- Disputes written for each item
- Every dispute names the account, says what is wrong and asks for the specific fix. Generic form letters get generic answers, so we don't send them.
- Follow-up with creditors and collectors
- Some problems start with the company that reported the debt, not the bureau. When that's the case, we go to the source and ask them to prove it or correct it.
- Tracking every response
- Bureaus send results by mail and they can be hard to read. We log each response, tell you what changed and decide the next round with you.
- Habits that help your score
- Disputes are only part of it. We show you how card balances, payment timing and new applications move your score, so the gains stick.
Signs Credit Repair Makes Sense for You
Accounts you don't recognize
A card or loan you never opened can mean a reporting mix-up or identity theft. Either way, it should come off.
Paid debts still showing a balance
If you settled or paid a collection and it still reads as unpaid, lenders see you as owing money you don't owe.
Old items past their time limit
Most negative items have to drop off after seven years. Some hang around longer than they should.
The same debt listed twice
A debt sold from one collector to another sometimes shows up under both names. That doubles the damage for one bill.
A denial you didn't expect
If you were turned down for a loan or card and your score doesn't match how you pay your bills, something on your report is worth a close look.
What Affects the Cost of Credit Repair
There's no single price because no two credit reports look alike. We go over the cost during your first call, before you enroll, so you know what you're signing up for. Here is what moves it.
Number of items to dispute
Three wrong entries take less work than twenty. Collections, charge-offs and late payments each need their own dispute.
How many bureaus are involved
An error on one report is simpler than the same error spread across all three.
How long the program runs
Some reports clean up in a couple of rounds. Others take several months of back-and-forth with stubborn collectors.
Identity theft or mixed files
Fraud and files mixed with another person's take extra paperwork and follow-up to sort out.
How Credit Repair Works With Us
- 1
First call
You call, tell us what's going on and what you're trying to qualify for. We explain how the program works and what enrollment involves.
- 2
Report review
We pull your reports and go over them with you item by item. You'll know which items we plan to dispute and why, and which ones are accurate and will likely stay.
- 3
Dispute rounds
We send the disputes. Bureaus generally have about 30 days to investigate each one, so work moves in rounds rather than all at once.
- 4
Results and next steps
After each round we go over what was removed, corrected or kept. Once the errors are cleared out and you're ready to borrow, personal funding or small business funding can be the next conversation.
Credit Repair Questions We Hear Often
Can you remove late payments that are accurate?
Usually not, and we won't pretend otherwise. The law protects you from errors, not from true history. We dispute items that are inaccurate, incomplete or can't be verified. Sometimes a creditor will remove a one-time late payment as a goodwill gesture, and we can tell you when that's worth asking.
How long until I see changes?
Bureaus generally have about 30 days to answer each dispute, so the first results often show up after the first round. Most clients see their reports change over a few months. How long it takes depends on how many items there are and how the creditors respond.
Does sending a dispute lower my score?
It doesn't. Your score is not penalized for challenging an item, and pulling your own report has no effect on it either. The thing that can drag a score down is a stack of new credit applications in a short time, so we'll plan around that with you.
Can I dispute errors myself?
Yes. You have the right to dispute with the bureaus on your own. What we bring is the time, the follow-up and knowing which items are worth fighting. Some people would rather hand that off and keep an eye on the results.
What should I have ready for the first call?
A photo ID, your Social Security number and any letters you've gotten from collectors or lenders. If you were recently denied credit, keep that letter too. It lists the reasons, which tells us where to start.
Ready to Get Your Credit Report Cleaned Up?
Tell us what you're trying to qualify for and we'll walk you through enrollment. Clients come to us from Brandon, Valrico, Riverview and nearby.