Credit Repair and Funding Help Across Tampa
We work with individuals and small business owners throughout Tampa and the surrounding area. Most of our work runs by phone and video, so your location matters less than what your credit report says and where you want your credit score to go next.
Towns we cover from Tampa
- Tampa
- Egypt Lake-Leto
- Town 'n' Country
- University
- Carrollwood
- Lake Magdalene
- East Lake-Orient Park
- Citrus Park
- Temple Terrace
- Palm River-Clair Mel
- Northdale
Not on the list? Call (813) 303-8997 and ask.
Where Our Clients Are
Our clients come from all over the city and the communities around it: Carrollwood, Northdale, Citrus Park, Town 'n' Country and Egypt Lake-Leto to the north and west, and University, Lake Magdalene and Temple Terrace closer to the northeast. We also work with people in East Lake-Orient Park and Palm River-Clair Mel on the east side.
Credit work does not require a site visit. Your reports come from Equifax, Experian and TransUnion, the disputes go to those bureaus and to the creditors who furnish the data, and the review happens at our office or over a video call. Clients who prefer to sit down in person can do that; clients who would rather not drive across town can handle every step by phone.
What Applies to Every Client in the Area
- 01
Credit rules are federal
The Fair Credit Reporting Act governs every dispute we file, no matter which neighborhood you live in. A bureau generally has 30 days to investigate a disputed item and must correct or delete information it cannot verify. Most negative items, such as late payments and collections, can stay on a report for up to seven years, so the plan we build looks at when each item ages off as well as what can be challenged now.
- 02
Florida living costs and borrowing
Many people across the Tampa area carry auto loans, rent payments and insurance costs that rise over time. A higher credit score can lower the interest rate on the next loan or credit line, and over a five-year auto loan or a long mortgage, that rate difference usually costs more than any fee charged up front. We walk through that math with you before you enroll.
- 03
Small business owners
Owners who run a business here often find their personal credit report decides whether a lender will approve business funding. We review both sides, then explain which items to dispute first so an application holds up when a lender pulls your file.
- 04
How meetings work
Your first consultation can be at our office or by phone and video. We pull your reports, mark each item we believe is inaccurate, incomplete or unverifiable, and explain why it qualifies for a dispute. You get a plain list of what we will challenge and what is likely to stay.
Start Your Credit Plan From Anywhere in Tampa
One phone conversation tells us what is on your credit report and what you want to qualify for. From there we can enroll you in a credit repair program or talk through business funding options.