3k+
Happy Clients
150k+
items deleted
1k+
FCRA claims settled
350+
Wage Garnishments Stopped
Good Credit Matters
Society is becoming increasingly dependent on credit to make purchases and other financial
decisions.
The Fair Credit Reporting Act (FCRA) mandates that the information reported and published in
your credit reports - must be accurate, complete and verifiable.
Through our simple but powerful 3-step process, we leverage the law to ensure your credit
reports are free of inaccurate, incomplete and unverified information that could negatively
impact your scores.
Roughly 79% of consumer credit reports contain errors.
Having an excellent credit score puts you in the most favorable light of all when it comes to
borrowing money.
Common factors that impact your credit scores
Payment history: 35%
Credit card usage: 30%
Credit age: 15%
Credit mix: 10%
Hard inquiries: 10%
See what may be impacting your credit, don't worry-this won't hurt your score.
Get Credit Reports With Monitoring Now
Now is the time to fix your credit!
1st Choice Credit Repair has helped clients remove derogatory items, including:
- Bankruptcy
- Charge Offs
- Child Support
- Collections
- Foreclosure
- Hard Inquiries
- Defaulted Student Loans
- Identity Theft
- Liens
- Outdated Information
- Repossession
- Inaccurate Information
- Judgments
- Late Payment
Our proven process could help you achieve your credit goals
Analyze
We review your credit reports to identify inaccurate, incomplete & derogatory items negatively impacting your credit.
Dispute
We leverage our extensive knowledge of consumer law & credit reporting to ensure the accuracy and completeness of the items reported by the credit bureaus and data furnishers.
Monitor
We monitor your credit, addressing additional credit issues to ensure that you achieve your credit goals.
See how 1st Choice Credit Repair can help you with a free, no obligation consultation
+844-417-3724
Bad Credit is Expensive
The most obvious way bad credit costs you money is in the form of high interest rates.
A bad credit score could be costing you in more ways than you realize. Here are some of the most common financial effects experienced by people with poor credit.
- High APRs on loans and credit cards
- Limited access to regular financing
- More expensive insurance premiums
- Difficulty qualifying for housing
- Deposit requirement for utilities
With bad or no credit, you’ll see higher rates when borrowing and inflated prices in your payment plans. Request a Free Consultation
Bad credit could keep you from:
APPROVAL
LOW RATES
TOP CREDIT CARDS
LOANS
We Get Results
Past members saw a 40 point average increase on their score in just 6 months. Over seventy percent of 1st Choice Credit Repair members saw a score increase after only 120 days of using our service.
Affordable plans on every
budget
Bronze Plan
- 3 Bureau Credit Report Analysis
- Access To Consumer Attorneys
- Credit Bureau Challenges/Disputes
- Collections (medical, credit cards, etc.)
- Client Portal Access
- Credit Education
- Debt Collector Interventions
- Identity Theft Assistance
- Inaccurate Personal Information
- Outdated Personal/ Account Information
Silver Plan
- Everything in Bronze plus
- Creditor Interventions
- Charge Off
- Judgments
- Late Payment
- Student Loans
- FTC (Federal Trade Commission) Complaints
- CFPB (Consumer Financial Protection Bureau) Complaints
Gold Plan
- Everything in Bronze & Silver plus
- Arbitration
- Bankruptcy
- Child Support
- Foreclosure
- Repossession
- Free Credit Monitoring
Our Google Reviews
We want you to be our next success story
RM
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
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
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
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
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
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
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
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
Gerard Benjamin was very professional and helpful assisting me in efforts to repair my credit.
JS
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
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
Excellent company Gerard will always let you know what's going on with your account. Would definitely recommend.
JSH
I’m so happy I found this company and I really feel like I can reclaim my good credit with their help.
RK
This company showed me that it’s never to late for good credit! Very professional and extremely helpful!.
DK
Great company, they can fix your credit in a heartbeat.
ABW
Great choice for good credit repair.....now I can start doing things I couldn't do before like new cars and mortgages.
RL
This company was very productive and professional in getting my credit where it needed to be.
CJ
very helpful and very understanding, on showing me what I need to fix my credit, you guys are the best, Thanks : Carolina Judge
US
Positive: Professionalism, Quality, Responsiveness, Value. This was the best experience I have received from a credit repair company.
DS
I have had nothing but great experiences with this company and would recommend them to anyone