Founder & Credit Repair Specialist · Winter Park, FL
I'm Matt Brody, the founder of Freedom Credit Repair. I've spent the last six years helping Central Florida families remove collections, fix credit report errors, and qualify for mortgages they were told they couldn't get.
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.
Working hourly at a warehouse doesn't mean you're stuck with trashed credit. Matt Brody breaks down exactly how Amazon, Walmart, and warehouse workers in Central Florida can fix their credit before their next lease renewal — even on unpredictable pay.
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A bankruptcy doesn't have to haunt your credit report for a full decade. Matt Brody of Freedom Credit Repair breaks down the exact legal strategies, dispute tactics, and FCRA loopholes Orlando residents can use to remove a bankruptcy from their credit report early — or at least fight back against inaccurate reporting.
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Your debt-to-income ratio is the silent killer of mortgage applications in Florida. Here's how to calculate it, what lenders actually want to see, and the exact steps to lower yours before you apply.
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Debt collectors count on you being scared, uninformed, and desperate. Matt Brody, owner of Freedom Credit Repair in Orlando, breaks down the exact scripts, legal rights, and negotiation tactics that get debts settled for pennies on the dollar — and the mistakes that get you sued.
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Your Credit Karma score says 720 but the mortgage lender says 658. You're not crazy — you're looking at two completely different scoring models. Here's which one Orlando lenders actually pull and what to do about the gap.
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Your credit score doesn't care that you're doing it alone. But I do. Here's the exact playbook I give single moms in Orlando to fight back against collections, bogus charges, and a system that wasn't built for one-income households.
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