Talk Through Your Credit Report in Lake Wales
The phone is the one way to reach us. A call gets you a walk-through of your credit report, a plain answer on what can be disputed, and a clear next step toward enrollment or business funding.
Where we work
Lake Wales, FL
Cypress Gardens, Dundee, Wahneta, Alturas, Winter Haven, Haines City
Hours
- Mon-Fri
- 9am-7pm
- Sat
- 10am-5pm
- Sun
- Closed
What happens on the call
We start with your financial goals, such as a car loan, a mortgage pre-approval or a business credit line. Then we go through what sits on your reports from Equifax, Experian and TransUnion. We sort each item into one of two groups. The first is errors we can dispute, like a late payment that was actually on time, a duplicate collection or an account that isn't yours. The second is accurate negatives, where we explain how they affect your credit score and what you can do about them.
Our approach is repair before new credit. If disputes can lift your score, we recommend that first, because applying now adds hard inquiries and can lock you into a weaker rate. If your file is already strong enough, we say so and talk about personal funding or small business funding instead. Clients who enroll in credit repair are covered by a 100% refund if no deletions happen while they are actively in credit repair. We meet at our office, or by phone and video for clients in Winter Haven, Bartow and other nearby towns.
Have these ready before you call
- A recent copy of your credit reports from all three bureaus, or the login to pull them during the call.
- A list of the items you believe are wrong, with dates and any letters or payment records that back you up.
- The loan, credit line or funding amount you are aiming for and roughly when you need it.
- For business funding, your business name, how long it has operated and its approximate monthly revenue.
See what can come off your report
One call tells you which items are worth disputing and what enrollment in our credit repair program looks like. If funding makes more sense first, we will explain why.