If you live in Florida and wish to improve your credit score, your best option would be to find a Florida credit repair company.

You have poor or bad credit if your loan is overdue, credit card balance is high, or if you’ve had a collect account or a foreclosure. When you have bad credit, it becomes difficult, or almost impossible, to get approval for cash advance services. Even when you do, you stand the risk of getting it at a high interest rate.

While it may be true that you can fix your poor credit yourself, it can be quite stressful too. So to eliminate this stress and get better results, you need a good Florida credit repair expert to help you.

How Credit Repair Companies in Florida Work

The first step is to request a copy of your credit report from the three major credit bureaus, which are Experian, Equifax, and TransUnion. Then the report is reviewed to get rid of derogatory remarks like tax liens, bankruptcies, or charge-offs.

There is also the plan to dispute errors and negotiate with creditors to remove negative remarks. This usually involves sending information validation requests and negative remark dispute letters on your behalf.

How Long Does Credit Repair Take?

It takes the credit bureau about 30 days after receiving a dispute letter to investigate and verify the credit information. After which, the bureau is expected to reach out to the credit repair company with the results of the investigation. However, if the dispute holds no ground, the bureau will communicate with the credit repair agency within five days and decide not to investigate further.

How to Choose a Reliable Credit Repair Expert

There is no disputing the fact that the credit repair business is plagued with frauds. However, there are still reputable Florida credit repair companies that you can work with to fix your credit.

• For example, a good Florida credit repair agency will not just attempt to address the negative items from your credit report. The company would also offer professional advice on how to avoid future damages. Always be vigilant for companies that offer credit repair services in Florida that sound too good to be true.

Other ways you can verify the authenticity of a credit repair company include searching for reviews about the company or looking up the company on the Consumer Financial Protection Bureau’s complaint database. While Florida credit repair agencies can help you work on your credit, it is advisable that you also take progressive steps towards improving your creditworthiness yourself. It may take time, effort, and a lot of discipline, but it’s definitely worth in the end.