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Who We Are

Most people who try to repair their own credit scores quickly become discouraged when they realize the process can often take months of unrelenting effort. Many who try on their own simply give up and stop trying. Knowing that this is often the case, the bureaus frequently employ delaying tactics as well, to discourage you from pursuing the process. The creditors who are reporting the negative listings on your credit report count on this fatigue and frustration, to stop you in your tracks. But, when 1st Rate Financial enters the picture, things start to happen. Because we know the rules of the game, we make the bureaus and creditors play by the rules and we are relentless in our attempt to get your credit profile back on the right track.

"Honest, innovative, professional, knowledgeable, legal, experienced, persistent, effective, caring, fast…”

Beware of Discouragement: Get Professional Help
As with everything else in modern life, it's all about efficiency. We are constantly working to improve our systems to make them more effective and more efficient for you. Because we aren't emotionally involved, we can see what needs to be done more clearly, and we can do it more efficiently than you ever could.

Paying a professional to represent you in your attempt to get your credit profile back on track, should be a sign that you are serious about this endeavor. It should further show your commitment to the process of correcting those credit issues that are holding you back until they are resolved and that you are going to avoid creating new negative credit issues in the future.

Steve Leifer, owner of 1st Rate Financial , has been in the consumer credit business in South Florida for nearly a decade. He has helped thousands of consumers improve their credit profiles and raise their credit scores. He is the president of First Rate Credit Repair, one of the most respected and effective in the industry. First Rate has a flawless track record with the Better Business Bureau and is an Affiliate Member of the Florida Association of Mortgage Brokers (FAMB). He also is a member of the Certified Credit Consultants Association of America (CCCA).