Founder & Credit Repair Specialist · Winter Park, FL
I'm Matt Brody, the founder of Freedom Credit Repair. I've helped Central Florida families remove collections, fix credit report errors, and qualify for mortgages they were told they couldn't get, every day since I founded the company in 2019.
My background is in FCRA § 611 dispute work with a heavy focus on Florida-specific statutes — Statute 55.081 (judgment dormancy), Statute 679.6141 (post-repossession notice violations), and Statute 95.11 (statute of limitations on debt). National credit-repair “mills” rarely cite these because they run templates. Every dispute I write is tailored to the specific item and the specific creditor.
I live in Winter Park with my wife Xia and our four children. We know what credit means in Florida — it's the difference between renting and buying a home with a backyard. That's the problem this business exists to solve.
On this blog I write about what I actually see in client files: medical debt, collections, charge-offs, mortgage-prep credit repair, and the Florida statutes that change the dispute calculus. If you'd rather skip the reading and talk through your situation, call (407) 606-7117 for a free consultation.
Florida's Consumer Collection Practices Act reaches collectors the federal FDCPA can't touch, including your landlord, your hospital, and the original creditor. Here's how Chapter 559 works, what it pays out, and how to use it when a collector won't back off.
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A medical collection just cost you a car loan, and you need wheels soon. Before you reapply anywhere, check the adverse action notice, the medical-debt reporting rules, and the specific entries that may be wrong. Here's the order I'd do it in.
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Got screened out of an apartment over an old broken-lease collection, with your move-in date days away? Here's how to get the screening report, dispute what's wrong, and line up backup move-in options at the same time.
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The repo man took the car. Now a collector wants $8,000 more for a car you don't even have. Here's exactly what to put in a Florida debt validation letter, when to send it, and how Florida's Article 9 notice rules can turn the deficiency claim back on the lender.
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Got a mortgage denial tied to a civil judgment and a closing date breathing down your neck? Here's what to review first: the adverse action notice, the court docket, your reports, and the payoff paperwork underwriters actually want, so you don't reapply into a second denial.
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Wondering how much credit repair costs after bankruptcy? Here are the real 2026 pricing ranges, what the different pricing models actually buy you, and how to spot the inaccurate tradelines dragging your score down post-discharge.
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