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.
Dovly's automation is great for a simple, thin file. But it can't negotiate, and it can't fix a miscoded repossession. Here's exactly when the app wins and when you need a human in your corner.
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Discharged and staring at a wrecked credit report? Here's the realistic recovery plan I give my own clients — including how to spot and dispute the post-discharge reporting errors that are quietly holding your score down.
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A car loan denial isn't the end of the road — but reapplying blind is a mistake. Here's how to read your adverse action notice, hunt down the errors dragging your score down, and set yourself up to get approved.
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Thinking about Credit Saint? Here's a straight-shooting breakdown of their pricing tiers, cancellation policy, and who they're actually a good fit for — plus your free DIY rights and when a phone-based, done-for-you option beats a subscription.
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A creditor got a judgment and now they're coming for your paycheck. Here's how Florida's head-of-household exemption can stop wage garnishment cold — and the exact steps to claim it before your next payday.
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Thinking about signing with Sky Blue Credit Repair? Here's a straight breakdown of their published pricing, the couples discount, the 90-day guarantee, and who it genuinely fits — from a guy who does this work every day.
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