​The Best Credit Repair in Tampa

​At First Aid Credit Repair, we take your credit seriously. We have many years of experience evaluating consumers’ credit reports, scrubbing them against the various credit reporting laws, and helping consumers clean their credit.
 
We are honest, integral, and realistic about how we can help you. We know you can do some of this yourself, but we also know that it takes a lot of time, patience, and knowledge to get the results you need. We started our company to help consumers just like you make the most of their credit repair efforts as we saw firsthand too many consumers lose the battle and be stuck with bad credit. At First Aid Credit Repair, our motto is
​                  "Clean your Past, Track your Present, and Change your Future."


CLEAN YOUR PAST
Work with the credit bureaus to clean up your credit report according to the laws. We help eliminate negative credit items affecting your score that aren’t legitimate or fair.
​
TRACK YOUR PRESENT
We provide 24/7 access to all improvements or changes we’ve been able to make to your credit score or report.
​
CHANGE YOUR FUTURE
We help you improve your credit for the future and help you learn how to keep your credit score high so you don’t have to go through this again.
​

FREE CREDIT
​CONSULTATION!



Credit Repair in Tampa: Do you need It? 


​Everyone experiences financial trouble now and then – it’s a part of life. Do you realize how bad those financial troubles can hurt your credit score, though? Do you know how important a credit score is in your life? Your credit affects your entire life. Bad credit can hurt you financially, but it can also make it difficult to get a job, rent an apartment, or even get a cellphone. It’s terrifying, but there’s help available if you’ve already damaged your credit score. The right company offering credit repair in Tampa can help. You’ve likely heard of credit repair before, but may not quite understand how it works. At First Aid Credit Repair, we’ll show you just what it does and how it can help you.
 


What is a Credit Score? 

  • A credit score is a three-digit number that signifies your financial responsibility. It lets lenders, employers, and other vendors know how financially responsible you are (or aren’t.).
  • On average, any credit score below 630 is considered ‘poor’ and leaves you few options when looking for financing. It may even make it hard to find a job. Credit scores in the 300 – 629 range are ‘bad’ and most creditors will turn you down.
  •  Ideally, you should have a credit score of 690 – 850. Creditors consider these scores good to excellent, leaving more doors wide open for you.



How does Bad Credit Affect You?

 Bad credit has some obvious effects. You won’t be able to get a loan, such as a mortgage or a personal loan. Most credit card companies will turn you down for unsecured cards, and you may have trouble renting a new apartment, signing a cellphone lease, buying a car, or even getting a new job. Here’s the problem. Many ‘bad’ credit scores aren’t the full truth. Credit reporting agencies and creditors make mistakes often. They report the wrong information or it’s input incorrectly. This leaves you with a bad credit score that doesn’t fully reflect your financial capabilities.
 


So what do you do?
 
While you could fight it yourself and try to turn your credit score around, it’s best to use a Tampa credit repair company that’s experienced in dealing with the credit bureaus.

We've been successful at removing:

​​INQUIRES
LATE PAYMENTS
CHARGE OFFS
COLLECTIONS
MEDICAL BILLS
FORECLOSURES
BANKRUPTCY
STUDENT LOANS




​How does the Credit Repair Process Work? 

The credit repair process is lengthy and complicated. It’s formed on the basis that consumers have three rights when it comes to credit reporting:

  • Credit reports must be accurate
  • The information must be entirely fair
  • The information must be fully substantiated
 
That’s a fine line that you walk when disputing errors on your credit report. For example, information that the credit bureau input incorrectly is easy to dispute – it’s not accurate and it’s easy to prove.
Information that’s not ‘fair’ or ‘fully substantiated’ on the other hand, is much harder to prove unless you use the best credit repair in Tampa. You need a company that has been around, understands the ins and outs of credit repair, and knows how to communicate with the credit bureaus to prove the unfairness or lack of evidence they have to report what’s on your credit report. There are many credit repair companies in Tampa, FL, but not all are created equal.

You want a company that offers all of the following:

  • Works on all three credit reports – TransUnion, Equifax, and Experian
  • Scrubs your credit report items against all credit reporting laws, not just the Fair Credit Reporting Act
  • Works diligently to get your credit report fixed



Does Credit Repair Really Work? 

Like many other things that are ‘too good to be true’, many consumers wonder if credit repair in Tampa even works. It does, and here’s why. A company offering the best credit repair in Tampa is an outsider – a 3rd party, looking from the outside in. They don’t have the clouded judgment you have when looking at your credit. They have the experience and knowledge to look at a credit report and realize what’s not fair or right about your credit report. Can they erase negative data that is right? No. You have to own up to that, but oftentimes with ‘bad’ credit information, there are lines crossed and laws violated that don’t project the consumer. For example, if you default on a credit card and the company sends it to collections. Your credit report now shows the defaulted credit card and the collection account. But, if the collection gets sold two or three times, the new collections may show on the credit report too. Now you have three ‘dings’ on your credit report for the same account. That’s a violation of the ‘fair’ standard required by law. As a consumer, you wouldn’t know that and would let the ‘violation’ go, when in fact it’s damaging your credit score more than you realize.


 What is the Dispute Process? 
​
The dispute process is quick but requires a lot of work. By law, credit reporting agencies have 30 days to respond to a dispute. You or one of the credit repair companies in Tampa, FL must file a dispute in writing. It should state the reason for the dispute and include any proof you have regarding why it’s invalid. This is where credit repair in Tampa comes in handy. Sure, if you have a simple error on your report, you could probably dispute it yourself, but most people looking for credit repair have severely inaccurate reports either due to identity theft or due to the same defaulted account being reported multiple times. If you have a few accounts like that, it could drag your credit score down drastically.
 
  • A Tampa credit repair company can handle the process swiftly – knowing exactly what credit bureaus need. It takes the pressure off you to try to increase your credit score without knowing what the credit bureaus need/want.
 
It’s an overwhelming process that’ best left to the experts. Since you’re talking about your credit score, which affects more than just your financial life, it’s an important factor to take care of the right way.

Our Affordable Price Plans!!

Singles Plan
Ideal for an individual looking to repair and boost their credit score profound to assure a great future
Couples Plan
If want to upgrade your credit score with a significant other, this is the plan suited for you
198
298
ENROLLMENT
(One Time Fee)
​ENROLLMENT
(One Time Fee)
Unlimited Disputes
​Unlimited Disputes
24/7 Client Portal Access
​24/7 Client Portal Access
Credit Analysis & Customized Action Plan
​Credit Analysis & Customized Action Plan
Credit Education & Credit Building Products
​Credit Education & Credit Building Products
Contract Can Be Cancelled Anytime
​Contract Can Be Cancelled Anytime

PICK THE PLAN THAT BEST FITS YOU AND LET OUR EXPERTS INCREASE YOUR CREDIT SCORE!

CALL US TODAY TO SCHEDULE YOUR FREE CREDIT CONSULTATION
​8135355249

FIRST AID CREDIT REPAIR
100 S ASHLEY DR, SUITE 600   
     TAMPA, FL 33602     
​
2020 by FIRST AID CREDIT REPAIR. All Rights Reserved.
  •