Poor credit can be detrimental and leave a person without the ability to gain cash during emergencies and prevent them from being able to buy a car or home. Trying to determine the best way to improve a credit score can be a complicated process, as the details that go into figuring a score can be difficult to understand. A company that provides credit repair in Rockledge FL will be able to help and can assist those with the worst credit history in taking the first steps towards repairing their credit and providing them with financial stability.
Initial Consultation
During the initial consultation, a credit repair expert will evaluate a person’s credit report and determine what factors are responsible for affecting their credit score. Items such as inquiries, late payments, and high balances are the most common culprits, and a counselor will be able to provide suggestions on ways to reduce their impact. They will also look at any collections that may be present and address those first.
Challenge Collections
The first step is to challenge any collections that may have been placed on a person’s credit report. While some of them may be valid and can be addressed, others may not be and could be causing an unfairly low score. A company that provides credit repair in Rockledge FL will be able to challenge the collections with all of the major credit reporting bureaus, and in some cases, have them removed entirely.
Create New Habits
Once the initial work is done, the counselor will then work with the client to determine ways to increase their credit score in the future. This most apparent is in the form of new habits and learning how to protect a credit score with minor financial changes. They can also help a person create a budget to prevent future financial issues and provide them with the knowledge to improve their credit and keep it from dropping.
With a few changes and a bit of patience, anyone can have perfect credit that will provide them with financial freedom. Contact the team at G.I. Tax Service and learn more about their unique approach to improving a person’s credit. Get more information here and take the first step in getting a credit score that anyone would be proud to have.
