Having excellent credit is a choice, it’s UrChoice!

At UrChoice Credit, we put serving you first. From our Open-Door Policy to our 90-day Money-Back Guarantee, you’ll know that your credit — the key to your American Dream — is in the best professional hands.

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Don’t Let Credit
Hold You Back

Let us help you begin your journey to financial freedom!

Buying A New Home

Get your credit ready to purchase a new home.

Automobile Purchase

Take advantage of lower rates and fees.

Lower Interest Rates

Get better interest rates on credit cards and loans.
See All Our Services

Credit Repair Shouldn’t Be That Difficult

We create personalized dispute letters to challenge errors on derogatory accounts that are holding back your credit scores, such as:

  • Collections
  • Charge Offs
  • Repossessions
  • Foreclosures
  • Tax Liens
  • Inquiries
  • Late Payments
  • Judgments
  • Personal Data
  • Medical Bills
  • Reporting Errors
  • Student Loans

Don’t Take Our Word. Check Out Our Client Reviews

“As we all know, you can’t get far in life with bad credit. I highly recommend them to anyone looking to entrust only the best with such a personal and vital thing. You will never meet someone like Crystal in your life. She is professional, spunky, friendly, and Knows her stuff! Best decision ever!”

ASHLEY WILLIAMSClient

“By far one of the best decisions I’ve made regarding my financial future. I had the pleasure of doing business with UrChoice & Associates, mainly an outstanding associate named Crystal. She provided exceptional customer service and got to the root of my issues. As a result, my credit score has never improved, and it doesn’t take much time! I would recommend it to anyone looking to better their FICO credit score.”

NORMAN WILLIAMSClient

“My experience with Urchoice and Associates was extraordinary. I can finally say that now my name is clean from debts. Since I started a year ago, I have been dealing with Sasha, who is very professional. She is always there to answer any questions that I might have. Dealing with Sasha made me feel comfortable. Sasha knew from day one all my issues and provided/guided me in every single step. Thanks to Sasha, I have my life back.”

NOHELIA SARMIENTOClient