FORT LAUDERDALE, FLORIDA — In the worst-case scenario, a “credit repair company” could be a “fly by night operator,” who will meet the intended victim at any place but their office, take their money and never be seen again. Still there are other companies who “help” by deleting a few adverse credit entries in a credit report using generally known techniques of dispute but leaving most of the negative entries just as bad off as before they started. Often times this can be worse, leaving the client financially poorer and not at all accomplishing the goal of achieving a good credit rating or at the very least resolving their credit card debt.
Even with the best of intentions, in most cases there is not much that the credit repair firm can do, due to their limited knowledge and resources for handling difficult bad credit issues. Most of these companies only know how to, as one credit repair practitioner put it, “We bombard the credit bureaus with letters.” They don’t have a clue as to proper procedure to really address an issue to resolve it, so instead, they antagonize the credit bureaus, which is why so many of these companies give anyone dealing with credit issues a bad name; regardless of how much knowledge or integrity they demonstrate.
The good news is that there is a professional and meticulous company that can handle all types of credit debt problems, with the knowledge and experience of knowing how to handle those issues in a manner consistent with the needs of the client. This firm is Frederick David & Associates.
The firm’s president, Frederick David, is a credit expert, an Arbitrator as well as a Certified Civil Court Mediator. He doesn’t just read a credit report, he does a thorough credit check by analyzing each entry, discusses with the client what is being reported, and determines the best course of action to take, to look into and resolve any issue affecting their good credit that is lowering their credit scores. This firm does have the experience and knowledge of how to handle all types of negative credit history concerns.
Frederick David’s first question to a new client is, “What brings you to me at this time?” What is it that leads you to want to restore your credit now? The credit restoration process now has a focus, to help that person restore their credit profile so they can achieve their goals. Mr. David also provides them with additional credit help through credit counseling, to help them maintain their good credit rating after the adverse credit issues have been resolved.
Being a well-organized professional, Frederick David keeps an impressive file of clients’ letters thanking him for the work he has done in their behalf, and speaking of the home they have now qualified for, or the car they have just purchased.
Frederick David & Associates also handles issues for clients facing the possibility of Foreclosure, including Short Sale, Loan Modification, and other alternatives to Foreclosure.
For more information on credit reporting issues call Mr. David at (954) 565-9300, e-mail him or visit the company website at http://fdmediation.com/ or ask for an appointment to see him in Broward County at 3471 N. Federal Highway, Suite 510, Fort Lauderdale, Florida 33306.