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First American Credit Team -  prides itself on being the nation’s leader in results. Just because you have a poor credit history doesn’t mean you can’t get your credit repaired. Creditors set their own standards, and not all look at your credit history the same way. Some may look only at recent years to evaluate you for credit, and they may give you credit if your bill-paying history has improved. It may be worthwhile to contact creditors informally to discuss their credit standards.

If you’re not disciplined enough to create a budget and stick to it, or to keep track of your mounting bills, resotoring your credit will be difficult, even with experts like us and will be very difficult to get and real credit help. To truly repair credit, you must stay on a budget and pay your debt down. That is when you will see the beauty of credit repair and begin to solve your financial problems. Also, beware of so called “non-profit” ___ and debt help companies who will guarantee free, affordable, or even legitimate services. In fact, some credit repair organizations, even some that claim nonprofit status to fix credit may charge high fees or hide their fees by pressuring people to make “voluntary” contributions that only cause more debt.

First American Credit Team has creditcounselors offer services through one on one phone consultations, video conference, online chat, and will always be willing to do a “shared screen" computer meeting such as log me in, or go to meeting, to evaluate your credit report with you. First American Credit Team’s goal is to improve your credit and financial situation. We count on also helping your friends and family with their  to be good sources of referrals, once we have completed your project.

If you’re thinking about filing for bankruptcy, be aware that bankruptcy laws require that you get credit counseling from a government-approved organization within six months before you file for bankruptcy relief. Bankruptcy can also be very expensive and damage your credit for a long time. If you hire a credit repair company like First American Credit Team to fix your credit, we have low monthly payments, and you will be able to attain new credit in a few short months. Also be wary of credit counseling organizations that say they are government-approved, but don’t appear on the list of approved organizations. Reputable credit counseling organizations can advise you on managing your money and debt help, help you develop a budget, but do little to get the debt help you need, or assist you fixing your credit. Their counselors are certified and trained in the areas of consumer credit, money, debt management, and budgeting. Counselors discuss your entire financial situation with you, and can help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions. This is fine to learn how to budget which is important to repair credit, but will not really improve your credit scores until the negative items are removed and positive trade-lines are established.

It's important to note that repairing credit is a bit like losing weight: It takes time and there is no quick fix to repair credit. In fact, out of all of the ways fix your credit score, quick-fix efforts are the most likely to backfire, so beware of any “credit sweep” or companies that tell you they can clean your credit or raise your credit scores in 14 days, as they are most definitely a scam. First American Credit Team will work with you on advice, counseling, repairing of your credit, as well as help you understand what type of credit help  it takes these days to qualify for a home loan.

Once we pull your detailed credit report, we will give you a one-on-one free consultation. We will go over each account, negative or positive, that shows on your report. We will take the time to explain to  you what's hurting your credit scores and what needs to be done to fix credit scores. We will offer, free of charge, 17 years of advice and knowledge to help you better understand what hurts and helps your credit report, and explain to you how we will get the bad credit items into the positive status. Many other companies are quick to take your money before even consulting with you on what they're going to do  and how they’re going to do it.  Lexington Law vs First American Credit Team   See Our Reviews On Facebook!   

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