Best Credit Repair Companies in Tampa, FL

Credit repair in Tampa

Consumers who are trying to buy homes, rent apartments or take out loans count on the accuracy of their credit reports to get the best financing deals. If your credit report is incorrect, you’ll end up paying more to borrow money or find that you’re outright denied. Credit repair companies in Tampa can help.

You’re entitled to see your credit report annually. Check the Federal Trade Commission for how to obtain it. If you notice any errors, omissions or inaccuracies, you’ll want to take quick action to get them corrected.

Credit restoration companies in Tampa can:

• Obtain your credit report from all credit reporting agencies
• Analyze your credit report for mistakes and imprecisions
• Dispute negative items from your credit report
• Remove late payments, collections activity and other credit blemishes
• Keep you informed and educated on how to rebuild credit

With the help of a credit repair company, you can see improvements in as little as 90 days. Remember that while some of the mistakes may be removed in a few months, it might take longer for your overall credit score to bounce back.

In Tampa, the average credit score is 651, which lands slightly below the national average of 675. A couple of Tampa Bay area communities have much higher averages. The Villages and Sun City Center, two neighborhoods known for their retirement communities, average 805 and 766, respectively.

Choosing credit repair in Tampa

A good credit repair company will know how to protect your rights and advocate on your behalf. Work with a company that has verifiable customer reviews and doesn’t have any complaints on the Tampa Better Business Bureau.

Expect to pay a start-up fee and then a monthly fee to the credit repair company. The initial fee will cover the expense of setting up your account and pulling your credit report. The monthly fee will cover the ongoing negotiation and communication that the company must do to restore your credit. You should be provided a personal advisor or account manager as well as online access to your account so you can keep up with any activity 24 hours a day.

Your Tampa credit repair company is bound by the Credit Repair Organizations Act. Beware of any company that demands advance payment before they do work, and make sure everything they promise is in writing. If you’re unhappy with the service, you’re entitled to cancel at any time.