ServicesCredit Repair
Credit Repair in Pinellas Park
We go through all three of your credit reports line by line. We dispute what is wrong or can't be verified, and we build a plan around the loan or credit line you want next. Start a few months ahead and you apply when you are ready, not in a rush.
What credit repair is, and when it makes sense
Credit repair means finding items on your credit report that are wrong, outdated or can't be backed up, then disputing them with the bureaus and the companies that reported them. Federal law gives you that right. Our job is to do the digging, write the disputes, keep the paper trail and follow up until each item is settled.
It works best when you have time. Most people who reach us are planning something: a car, a lease, a mortgage, or funding for a small business. If that application is three to six months out, there is room to clean up the report and let the score settle before a lender looks at it.
We will also tell you what we can't do. An accurate late payment that is still inside its reporting window usually stays. In that case we show you what will move your score instead, like paying down card balances or adding positive history.
What our credit repair work covers
A full three-bureau review
We pull Equifax, Experian and TransUnion and compare them side by side. The same account often shows different balances, dates or statuses on each one, and those mismatches are where errors hide.
Written disputes
We send disputes for accounts that aren't yours, wrong balances, duplicate collections, late payments reported in error and old debts past their reporting period. Each letter states what is wrong and why.
Creditor and collector follow-up
Some items get fixed faster at the source. When it makes sense, we go to the original creditor or the collection agency directly and ask them to verify or correct what they reported.
Tracking every reply
Bureaus generally have about 30 days to investigate a dispute. We log every response, check that deleted items stay off, and send the next round when an answer doesn't hold up.
Score-building advice
Disputes are only part of a credit score. We walk you through utilization, payment timing and which accounts to keep open, so the score keeps climbing after the cleanup.
Signs it is time to look at your credit report
- You were turned down and don't know why
- A denial letter lists the bureau the lender used. That report is the first place we look.
- Accounts you don't recognize
- A collection or card you never opened can mean a mixed file or identity theft. Either way, it should come off.
- The same debt shows up twice
- A debt sold from one collector to another sometimes stays listed under both. That counts against you twice.
- Old items that should have dropped off
- Most negative items can report for seven years. If something older is still there, it can be disputed.
- A big application is coming up
- If you plan to apply for a mortgage, a car loan or business funding in the next several months, now is the time to check. Fixing errors takes rounds, and rounds take weeks.
How it works, start to finish
- 1
A consultation by phone or in person
We talk about what you want to qualify for and when. You can meet us at our office or do it by phone or video.
- 2
Pull and read the reports
We go through all three reports with you and mark each item as an error, something to verify, or something accurate. You see the full list before any dispute goes out.
- 3
Disputes go out in rounds
We send the first round, wait for the bureau responses, and update you on what changed. Then we decide together what goes in the next round.
- 4
Get ready to apply
When the report is clean and the score has settled, we look at what you can qualify for. If funding is the goal, we can move you straight into personal funding or small business funding planning.
What sets the cost of credit repair
There is no single price, because no two credit reports look the same. We go over the fee in plain terms on the call, and you see the terms in writing before you enroll. Nothing gets added later without a talk first.
- How many items need work
- A report with two wrong late payments takes less time than one with a dozen collections spread across three bureaus.
- How tangled the file is
- Identity theft, mixed files with a relative, or debts sold several times take more letters and more follow-up.
- How long the program runs
- Most files need more than one round of disputes. The number of rounds you need affects the total.
- Funding planning on top
- Some clients only want the cleanup. Others want us to keep going into personal funding or business funding, which adds work after the disputes are done.
Credit repair questions we hear most
- How long does credit repair take?
- Plan on a month to six weeks for each round of disputes. The bureaus get that window to look into an item and send back an answer. Most files need more than one round, so we tell people to start well before they apply.
- Can you remove negative items that are accurate?
- Usually not, and we won't tell you otherwise. Accurate, verified information can stay for its full reporting period. What we can do is remove what is wrong or can't be verified, and help you build positive history around what stays.
- Will disputing hurt my credit score?
- No. Filing a dispute is not a credit application and does not create a hard inquiry. When an error comes off, the score often goes up.
- Can't I just do this myself?
- You can. Federal law gives anyone the right to dispute their own credit report directly with the bureaus. Clients come to us because the work is slow and detailed, and it is easy to lose track of replies across three bureaus and several collectors.
- Do I have to come into the office?
- No. Plenty of clients in Largo, Seminole and St. Petersburg work with us entirely by phone and video. The office is there if you would rather sit down and go over the reports in person.
Get your credit ready before you need it
Tell us what you want to qualify for and when. We will look at where your credit stands and lay out a plan to get there, from disputes to funding.