Credit Repair

SmartChoice Credit is here to help.

Worried about your Credit Score?

SmartChoice Credit is here to help. We know that understanding your credit and improving it can be daunting, but our team of experts are here to make the process easy and painless for you. We pride ourselves on our top-tier customer service, so you can rest assured that you’ll be kept up-to-date on your profile every step of the way.

Plus, we value our clients’ trust and act with integrity – two things that have helped us become one of the most successful credit companies in the industry.

With SmartChoice Credit, you can see rapid results – often in as little as 30 days! We know how important it is for you to get back on track financially, so we work hard to provide you with the best possible service.

What is Credit Repair?

Having bad credit can be a major impediment to achieving financial stability. A bad Credit Score means you cannot qualify for loans, rent a home, or even get a good job. If you find yourself in this situation, you may consider hiring a credit repair company.

Credit Repair is a simple process of using legal methods such as FCRA & FDCPA to dispute, fix or remove inaccurate credit history. The process includes eliminating inaccurate and negative information from your credit reports. While this can be an effective way to improve your credit score, it's important to understand how the process works before making any decisions.

Typically, Credit repair firms challenge negative points on your credit report. This can involve proving that the information is inaccurate or that the debt has already been paid off.

In a few cases, the company may also negotiate with creditors to have late payments removed from your report. While there is no guarantee of success, working with a credit repair company can be a helpful step in improving your financial situation.

What does Repo do to your Credit Report?

The negative impact of a repossession on credit reports can be very severe. Often, credit repair companies analyze your credit score details and information directly from your credit reports.

So you could see a drop in your credit scores from the repossession itself and related events that impact your payment history. If repossession is visible on your credit report, then be aware of the following things as they can contribute to negative marking

Unable to pay the balance owed to the creditor

Continued
late payments

Reporting as Collection/Charge-Off

In addition, a repossession means you cannot avail of new loans, or you will have to pay higher interest rates on your loans. Thus, the consequences of repossession can be lethal and have an enduring impact on your finances.

What do Credit Repair Companies do?

Credit repair companies correct errors and inaccurate negative items from your credit report. By law, credit bureaus must investigate any disputed items on your report.

However, navigating the credit repair process can be complex and time-consuming. This is where a reliable credit repair firm like SmartCredit Choice can help you.

Once they have gotten the green light from you, these companies will thoroughly analyze and review your credit report to provide resolutions for negative points. In some cases, they will also take up the matter with the lenders and credit bureaus on your behalf. Besides, credit repair companies can also educate on credit to achieve the most points from your credit reports.

While there is no guarantee that using a credit repair company will result in a perfect credit score, it can be a valuable tool for anyone looking to improve their credit.

Why Choose SmartCredit Choice

The credit reporting system is complex, and many consumers are unaware of how it works or how to use it to their advantage. That's where we come in. Our passion is educating consumers on the ins and outs of the credit reporting & system to make the best choices for their financial future.

We've been doing this for over a decade and honed our skills to successfully challenge the credit bureaus and collection agencies when they report inaccurate information.

So call us today and check what we can do for you? You won't be disappointed.

  • Experienced and Reliable Tools for your specific needs.
  • Licensed & Bonded Credit Repair Company
  • 24/7 Online Portal & Customer Support during the entire process.
  • Transparent Affordable prices without hidden charges.

OUR SERVICES INCLUDE

  • Personalized solutions as per your specific situation.
  • Experienced team members guide you along the way.
  • 24/7 and easy access to your report’s status and progress.
  • We have all the credit tools and resources.

Around 70 percent of Credit Repair firms work to make quick dollars. However, SmartChoice Credit is not your average credit repair company. We emphasize the applicable credit laws to ensure that your creditors follow the FCRA and the FDCPA Act.

Avoid 'Credit Repair' Scams

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Not available to residents of Georgia.