Credit Repair in West Palm Beach

Healthy Credit Starts Here
The average credit score in the U.S. is 711, but scores range from 300-850. If you’re in West Palm Beach and you’re closer to the bottom of that range, then you may need credit repair, and the My Credit Repair Clinic can help. Credit restoration improves poor credit scores that have fallen due to a myriad of explanations.
Repairing your credit score could be as simple as disputing bad information with credit agencies.
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Damage dealt by identity theft could also be another reason for thorough credit score repair. Financial education is another remedy that places the emphasis on budgeting and improving the financial habits of the borrower.

Credit repair restores or corrects a poor credit score and could involve paying someone to work on your behalf. Repairing your credit can be time-consuming, and that is why some look to hire a credit repair service.

A West Palm Beach credit restoration service can help you to improve your credit. It should be noted that according to the Federal Trade Commission, credit repair firms in West Palm Beach and elsewhere can’t do anything for your credit that you can’t legally do yourself.

Credit restoration services require you to review your credit reports for inaccurate information and reach out to credit bureaus to make disputes. It’s up to you to follow up on these investigations.

FAQ About Credit Score Repair in West Palm Beach FL

What can credit repair services do?

Reliable credit repair companies can assist you in improving your credit by helping you remove inaccurate information from your credit report. Keep in mind that credit repair services can't do anything for you that you couldn't do on your own for free.

Credit repair services in West Palm Beach can help you to complete a detailed credit score analysis by reviewing your credit history for inadequacies, charge-offs, and negative items. They can explain in detail what open credit card accounts you have, the interest rates you’re currently subject to, and offer a free consultation to outline what their credit repair services can do for your credit history.

Is credit repair illegal in Florida?

Credit restoration services are legal in all 50 states because of the Fair Credit Reporting Act (FCRA) that guarantees consumers have the right to dispute information in their credit report. The FCRA provides the following protections for West Palm Beach citizens because it:
Limits who can see your credit report
Stipulates that those who pull your credit reports must have your authorization
Limits what all can go in your report
Allows you to dispute any inaccuracies
Promotes borrowers becoming aware of what’s in their report by providing a free report each year
Creates alerts for consumers when fraud or identity theft is suspected

The Florida Credit Repair Laws work in concert with the federal laws by reiterating their legal intolerance for fraudulent services. If you feel that your credit score is inaccurate then you could consider a free credit consultation with a West Palm Beach credit repair service to repair your credit score.

Florida law also states that a West Palm Beach credit repair service has to have an occupational license and have a surety bond with an agency.

What laws regulate the credit repair industry?

The Credit Repair Organizations Act (CROA) regulates the credit repair industry by giving you the right to authorize a qualified third party to make disputes on your behalf. Congress passed the CROA to curb consumer abuse in the credit repair industry.

The CROA prohibits credit repair agencies from doing the following:

Making inaccurate claims about the services they provide and how much their service can improve your credit score
Altering your identity, or advising you to do so, to hide negative information incurred in your credit report
Engaging in any practice that could be constituted as fraudulent by other federal laws
Charging fees for work in advance
Penalizing customers with cancellation fees
Using contracts that sign away your rights to sue when services aren’t up to standard
Hiding costs by not providing full detailed disclosures of the services they provide and how much they cost

How much does it cost to improve my credit score?

My Credit Repair Clinic keeps things simple for our West Palm Beach clients by offering affordable prices, among the lowest in the industry. My Credit Repair Clinic will charge an initial $149.00 fee (3-5 days after signing up) and $99.00 a month (30 days after the initial fee). Our Credit Repair Services are offered on a month-to-month basis and you have the legal freedom to cancel these services at any time.

What are charge offs and how do they affect my credit score?

When a creditor makes all attempts to collect on your card and cannot, they will sometimes give up and take a loss. This is known as a charge off and it severely impacts your credit score.

How can I improve my credit with My Credit Repair Clinic?

At My Credit Repair Clinic we will provide you with a full Credit Report Analysis to explain, in detail, your credit history and how your credit score is calculated. We identify areas in which improvements are needed and will work with you to create a detailed plan.
We can communicate on your behalf with the credit bureaus, creditors, and collection agencies to correct any suspicious information on your credit. We also will work closely with you to keep you informed of the results while providing updated information from the Creditors and Credit Reporting Agencies. Our West Palm Beach credit repair company is committed to being by your side every step of the way!

You don’t have to settle for a low credit score. If you’re in West Palm Beach and you want to restore your credit, contact us today and we will get right to work on repairing your credit. The sooner you can get your credit repaired, the faster you will arrive at financial freedom!
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Don’t settle for a low credit score. Contact us today for a Free Consultation and we will get right to work on repairing your credit. Don’t delay any longer. The sooner you get your credit repaired, the sooner you will have financial freedom!
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