Frequently Asked Questions

Credit can be a valuable part of your long-term financial plan. It can help you make large purchases that would be difficult to pay for with cash, like a new vehicle, a home, or a college education.

Understanding Credit

What is credit?
The ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future. When used responsibly, credit can be a useful tool when leveraged.
Your credit score is a 3-digit number on a scale of 300 to 850 assigned to you that indicates to lenders your history of repaying your debts. Generally, the higher the score, the better the offers.
Generally speaking, a good credit score is anything above 670.
FICO Score
Very poor: 300 to 579
Fair: 580 to 669
Good: 670 to 739
Very good: 740 to 799
Excellent: 800 to 850
VantageScore
Very poor: 300 to 499
Poor: 500 to 600
Fair: 601 to 660
Good: 661 to 780
Excellent: 781 to 850
Anything below 670 is considered poor or only fair credit.
– Not paying bills on time
– Filing for bankruptcy or foreclosure
– Applying for too many credit accounts
– Carrying high balances on your credit cards
– Ignoring questionable negative items on your report
Check your credit score to see why it is low. Pay down your revolving credit as much as possible to lower your credit utilization percentage. Have any inaccurate things removed (especially late payments). Be added as an authorized user to an old account with perfect payment history, ideally with a low utilization rate. Ideally, this is done by a friend or relative, and they do not even have to give you the card. Get my Credit Reports Now with Monitoring
The three main credit bureaus are Equifax, Experian and TransUnion. When lenders want to see your credit report, they will request it from one or more of these credit reporting agencies.
While there are plenty of services that will provide you with your credit reports and scores, we believe that our credit monitoring is the most user friendly and effective way to pull and monitor your credit. Get my Credit Reports Now with Monitoring
A credit score isn’t the only deciding factor on your mortgage application, but it’s a significant one. So when you’re house shopping, it’s important to know where your credit stands and how to use it to get the best mortgage rate possible. The minimum credit score needed for most mortgages is typically around 620. However, government-backed mortgages like Federal Housing Administration (FHA) loans typically have lower credit requirements than conventional fixed-rate loans and adjustable rate mortgages (ARMs).
Generally your credit reports are only accessed by those who are considering loaning you money, like a bank, credit card issuer or car dealership.
You can access your credit report from Equifax, Experian and TransUnion for free at http://www.annualcreditreport.com/ however these reports do not include credit scores.

Credit Repair

Credit repair is the process of fixing poor credit standing that may have deteriorated for a variety of different reasons. Repairing credit standing may be as simple as disputing inaccurate or incomplete information with the credit agencies.
The Fair Credit reporting Act gives you the right to dispute inaccurate, incomplete and unverified information in your credit reports and the credit bureaus must remove, update or correct the inaccurate information.
Unfortunately, as every credit situation is different we would need to review your credit reports to determine if credit repair is right for you.
Get a FREE Credit Consultation
Our credit repair programs range from 6 to 12 months depending on the severity of your credit. That being said, past and current members have seen an average increase of 40 points in just 90 days.*,
*Your results may vary and are not guaranteed.
1st Choice Credit Repair offers several credit plans to match your particular credit needs and goals
Yes. Pursuant to the Fair Credit Reporting Act (FCRA) you’ve a right to dispute inaccurate, incomplete or unverified information contained in your credit file.
Anything inaccurate, unfair or unverified can be challenged with the bureaus and your creditors. This includes collections, late payments, charge-offs, liens, bankruptcies, repossessions and more.
Most negative items will fall off of your report after seven years, though it could take as long as 10 years for a bankruptcy.
Negative Item
Late Payment
Debt Settlement
Foreclosure
Bankruptcy
Collection
Hard Inquiry

Credit Score Decrease
Up to 110 points
Up to 125 points
Up to 160 points
Up to 240 points
Up to 110 points
Up to 15 points
Yes, medical bills can affect your credit, but only if they’re significantly overdue. Healthcare providers don’t normally report to the major credit bureaus (Equifax, Experian, and TransUnion), which means that if you pay your bills on time, they won’t appear on your credit report, and your score won’t be affected, either positively or negatively.
If you pay your bills slightly late, your healthcare provider probably won’t report that to the bureaus either. However, if your payments are between 60 and 180 days overdue, they may transfer or sell your debt to a collection agency. They may even send your medical bill to collections without telling you.
Debt collectors do report to the bureaus. This means that if your bill is sent to collections, a collection account will appear on your credit report, which will lower your score.
Yes, having a student loan will affect your credit score.
Your student loan amount and payment history will go on your credit report. Making payments on time can help you maintain a positive credit score. In contrast, failure to make payments will hurt your score. Establishing a good credit history and credit score now can help you get credit at lower interest rates in the future. If you think you may not be able to make your payments, contact your servicer to find out more options.
You might think so, but unfortunately it does not. When you pay an old debt, the negative credit item doesn’t disappear, but is typically listed as a paid delinquency, charge-off or collection.
If your goal is to repair your credit, just paying off your debts won’t get you there.

Our Services

1st Choice Credit Repair has been in business since 2017. For the past 5 years, our team of credit advisors have helped customers remove inaccurate items from their credit.
1st Choice Credit Repair office is located in Bunnell, Florida.
No, as credit repair isn’t something that can be guaranteed. However, we do offer a 180 day warranty on our services.
We offer different credit plans to match every budget and credit needs.
As we are working with your creditors and the credit bureaus, we’ll notify you of updates to your credit profile via email. You can also track your progress and the work being done via your secure client portal.
Generally, no – however, be wary of any company that provides guarantees of results.
Yes, we’ve helped hundreds of people work to repair their credit and improve their financial situation.

See how 1st Choice Credit Repair can help you with a free, no obligation consultation

+844-417-3724
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Our Google Reviews

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RM

Ray Maxwell
a month ago

This company helped me clean up my credit and now my score is 764 I'm beyond pleased with the results provided and recommend this company to anyone looking to improve their credit.

RC

Rachael Carter
4 months ago

All of my collections were completely removed from my credit report in less than 4 months. Great communication and very transparent with payments and what to expect.

TM

Terrence Marshall
3 months ago

I’m very pleased with the service they offer here, couldn’t ask for better service.. They’re always honest and forward with you and they’re great at getting the results you want!!!

DJA

DJ Addx
2 years ago

For 2 years I tried fighting to get hospital debt in collections removed. No matter how hard I tried, I could not get rid of it. A friend recommended 1st choice credit repair.

AY

Anthony Yambay
a year ago

When I was young man, my Father always told me "you can't get anything without good credit". Words of Wisdom that I did not listen to. I immersed myself in YouTube videos.

TJ

Tyrone Johnson
4 year ago

I love this Company! They have been with me every step on the way on my journey to repair my credit. Always available for any questions or concerns they go above and beyond

CS

Crystal S
4 year ago

I thought I had things under control but truth was I was drowning smh. Gerard is VERY informative, knowledgeable & answers ANY & every question without hesitation.

RP

Robin Pfeiff
4 year ago

Glad I finally found a company that I feel is trust worthy and can actually help me improve my credit. Very professional and knowledgeable, definitely recommend!

JG

Joy Greene
4 months ago

Gerard Benjamin was very professional and helpful assisting me in efforts to repair my credit.

JS

Jennifer Simmons
2 years ago

Been going to this wonderful company since march of 2019. I have already seen so many drastic changes in my credit score. As of today we are currently in our brand new home.

C

Cristina
4 years ago

Excellent service!! My credit has improved so much in such a short period of time! I thought their was no hope for me. Gerard showed me otherwise.

MM

Marcus Minott
2 weeks ago

Excellent company Gerard will always let you know what's going on with your account. Would definitely recommend.

JSH

Jacqueline Supienski (Harley)
4 years ago

I’m so happy I found this company and I really feel like I can reclaim my good credit with their help.

RK

Robert Kerr
4 years ago

This company showed me that it’s never to late for good credit! Very professional and extremely helpful!.

DK

Dr. Kups
4 years ago

Great company, they can fix your credit in a heartbeat.

ABW

Azim Blackice Watson
4 years ago

Great choice for good credit repair.....now I can start doing things I couldn't do before like new cars and mortgages.

RL

Ruth Less
4 years ago

This company was very productive and professional in getting my credit where it needed to be.

CJ

Carolina Judge
4 years ago

very helpful and very understanding, on showing me what I need to fix my credit, you guys are the best, Thanks : Carolina Judge

US

Jenny Thompson
2 years ago

Positive: Professionalism, Quality, Responsiveness, Value. This was the best experience I have received from a credit repair company.

DS

Monique Milligan
4 years ago

I have had nothing but great experiences with this company and would recommend them to anyone