We do this
because someone has to.
First Due was started by people who watched the credit and lending industries quietly bleed first responders for decades — and decided to build the alternative the field deserved.
The first call we ever took was from a 14-year FDNY engineer who’d been quoted 12.4% on a truck loan because of a 2019 medical bill that went into collections. He’d been told by his bank that he’d "have to live with it for seven years."
We disputed it inside two weeks. The collection vanished. He closed at 5.4%. He cried on the phone.
That call changed what we wanted to build. Not another credit-repair shop. A specialist firm engineered for the people who run toward what others run from. That’s First Due.
Four rules. Non-negotiable.
No vague work.
Every action is logged. Every dispute is documented. Every lender call has a note. You always know exactly what we did this week and what we’re doing next.
No vague timelines.
After your audit, you get a written, dated plan. We hit the dates. If a date moves, you know why before it moves.
Speak human.
Credit jargon exists to make people feel small. We don’t use it without translating it. If you don’t understand something, we explain it — not the other way around.
Answer the phone.
Real people. Reasonable hours include weekends and after midnight. Rebecca handles the after-hours triage. Your specialist follows up first thing.
Senior specialists. No call-center handoffs.
Our roster includes former first responders, FDCPA-licensed credit specialists, lending underwriters, and one full-time advocate whose only job is to argue with bureaus on your behalf.