Credit Repair Miami
Credit Repair Miami is an independent credit counseling service which offers comprehensive credit report monitoring and free credit reports to consumers. They can be found in Miami, Florida. This service was founded by Jimmy D. Brown, who is an entrepreneur and a credit counselor. He has been providing credit-related information for more than 14 years.
One of Jimmy D.’s specialties is credit repair Miami. He believes that having a good FICO score is essential for one to have a bright financial future. If you want to get this score, there are two ways by which you can do it-you can get your report from the credit repair service itself or have it done by the credit reporting agencies. There are pros and cons to each method.
When you get your credit report through the credit repair miami, it will take about sixty days to get your report. The negative items will be removed, if they are valid. Sometimes the negative items may not be valid and they may have been merged with other items that are valid. The good news is that if you pay the fee, you will be able to dispute any item that you find to be wrong. This will make the negative items go away, giving you a higher credit score.
Credit Repair Miami – How To Quickly Improve Your Score With Credit Repair Miami
On the other hand, when you get your credit report through the credit reporting agencies, you might only be able to dispute those items that are incorrect. However, you will be required to reimburse the agency for the cost of this service. In most cases, credit repair miami will require you to pay a minimal fee. The amount will depend on the total credit history that you have and the number of late payments that you have faced. The payment that you have to pay will be determined by the agency.
The next step in credit repair miami will be to check for foreclosures. These are items that have caused your score to drop, as they were not paid off on time. The process here is to challenge the foreclosure so that you can get it removed. The challenge would need to be sent through the mail, which will require a form to be completed. If you are lucky, the lender would remove the foreclosure, giving you a better score. This process is very slow though, so it would be better if you had already sorted for a payment plan with your lender before you started with the challenge.
If you want to speed up the process, then you should try contacting your creditors directly. Most creditors are willing to help you get out of debt because they stand to gain the most if you pay off all your bad items. Even if the bad items account for majority of your bad credit score, the creditors would still benefit from paying off at least some of these debts. Hence, you should make a regular payment to these creditors so that you can easily improve your credit score.