FAQ - Credit Repair

Why should I choose POR Services instead of another credit repair company?
We Get Results. We work with lenders and we have a team of realtors to help you in achieving your dreams! We are a "ONE STOP SHOP". Who better to work on your behalf against debt collectors than former debt collectors? At POR Services we utilize proven techniques to ensure successful removal of accounts that are not reported legally to your credit reports. We have direct access to Equifax, Experian, TransUnion, ChexSystems, and Innovis so we can audit each credit report and get you faster results. We stay current on consumer law as it pertains to credit repair and credit bureaus to make sure that our clients receive the best possible results. Unlike other credit repair companies, your privacy and confidentiality (especially with regard to your social security number, credit card number and credit report information) are protected and kept secure. We help our clients establish credit and negotiate settlements for accounts that don't fall off report. We do the leg work not our clients - we are here to serve and educate you.
Is my personal information secure with POR Services?
Yes. POR Services will not share, sell, transfer or convey your personal information to any unaffiliated companies or third parties. We maintain strict confidence of your personal information.
How long will it take to repair my credit report?
Each client's case is different. Each case depends upon the services required and how client fees are paid.
Who are the main credit bureaus?
The five credit bureaus are: Equifax, Experian, TransUnion, ChexSystems and Innovis. The credit bureaus gather, store, and sell information about consumer’s credit histories to help establish a consumer’s credit worthiness. The credit bureaus are private for-profit companies that gather the information about consumers and then sell it to businesses that are legally permitted to see your credit report.
What makes up my credit score?
Your credit score is a snapshot of your financial history and contains information that can be grouped into five categories: Payment History (35%), Amount Owed (30%), Length of Credit History (15%), New Credit (10%), and Types of Credit in Use (10%).
Is credit repair legal?
Absolutely! It is your legal right to audit items on your credit report. POR Services exercises your legal rights pursuant to the Fair Credit Reporting Act, the Fair Credit Billing Act, Truth in Lending Act, and Fair Debt Collection Practices Act, as well as other applicable Federal statutes. We help our clients with credit reports that contain information that is inaccurate, misleading, incomplete or reported illegally to the bureaus.
What is the difference between a Settlement and a Charge Off?
A charge off is a credit account that you did not pay and then the creditor wrote the account off as a loss. A settlement is an account that went past due, maybe even charged off, and then you negotiate a pay off amount that is less than the full balance due. Once you pay that negotiated amount in full then the account reports as a settlement.
Should I file bankruptcy?
We cannot advise you whether or not you should file bankruptcy. If you are considering bankruptcy, it is always in your best interest to get as much information about bankruptcy as possible, and consult with a local bankruptcy attorney.

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What Do Our Clients Say?

  • Erika Figueroa
    It is official...the rest of my contract is completed and 6-8 months shall be until completion of my BRAND SPANKING NEW HOME... (more…)
    Erika Figueroa
  • LaShonda T. Taylor
    Rachel Speight-Hudson you are definately an expert at what you do! I appreciate you.
    LaShonda T. Taylor
  • Mr. and Mrs. Diaz
    Your work is truly amazing and definately changes lives. I thank you for all that you did and hopefully we shall (more…)
    Mr. and Mrs. Diaz
  • Sharina Griffin
    I wanna say thanks to Rachel Speight-Hudson aka "The Credit Lady". Without you my life wouldn't be back on track. (more…)
    Sharina Griffin
  • Les Randall
    I just walked off the car lot like a boss!!! I knew I was gonna be approved. LOL Thank you Rachel - (more…)
    Les Randall
  • Elysia M Parrish
    Sitting here, literally with tears in my eyes. Got a message to check my inbox.....let me 1st say, people are placed in (more…)
    Elysia M Parrish

1303 10th Street East Suite A, Palmetto, FL 34221



​ Monday - Friday from 9:00am to 5:00pm EST
Saturday: By Appointment Only