Florida Credit Repair
Dealing with poor credit? These Florida credit repair companies will help you remove errors from your credit reports. Read on.
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If you need professional credit repair services in Florida, you can go to:
- Lexington Law: Best Overall
- Credit Saint: Best for Money-back Guarantee
- Sky Blue Credit: Best for Couples Pricing
- The Credit Pros: Best for Credit Building
- The Credit People: Best for Flat-Rate Plan
- Credit Repair of Florida: Best for Credit Monitoring
A strong credit score can make a big difference in your financial life—from securing a loan to getting lower interest rates.
On the flip side, a poor credit score can be very challenging. So if you're looking to repair your credit in Florida, the good news is that solutions are available.
In this guide, find out the best companies offering credit repair services in The Sunshine State to help improve your credit.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
6 Best Florida Credit Repair Companies
Here are the top companies in the credit repair industry offering their services in Florida.
You can start with a free initial consultation and assessment to discuss your current credit.
Lexington Law: Best Overall
Lexington Law is a law firm specializing in credit repair, and it has been offering its services since 2004.[1]
Since it started, Lexington Law has sent over 221 million challenges to the credit bureaus on behalf of its clients.
Why We Like It:
Lexington Law offers Focus Tracks which are tailored interventions and solutions for specific life events, like medical emergencies, divorce, or military duty.
For example, with the Medical Focus Track, Lexington Law professionals will send letters and correspond with the credit bureaus and your creditors. This way, you can lessen the impact of medical debts on your other existing accounts.
Pricing & Fees:
Lexington Law offers only one premium credit repair package at $139.95/month.[2] You get the following:
- Skilled lawyers and paralegals working on your case
- Challenges to Equifax, Experian, and TransUnion
- Monthly TransUnion FICO score
- $1 million identity theft insurance
- Personalized strategies to improve your credit score
The first payment is charged five days after you enroll, but Lexington Law doesn’t specify the exact amount. Then after a month, you'll be charged the monthly fee.
Pros & Cons:
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In 2023, the CFPB proposed a settlement with Lexington Law for violating several TSR
guidelines. Lexington Law was imposed with a $2.7 billion judgment as compensation for their violations.[3]Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Credit Saint: Best Money-back Guarantee
Credit Saint has been in the industry since 2004, offering one of the most aggressive services around the US. It has helped over 200,000 clients dispute inaccuracies in their credit reports.[4]
Why We Like It:
With Credit Saint, you get an extra layer of protection with the money-back guarantee. You can get your payments back if you don't see results within 90 days of your service.
If no questionable items have been removed since the beginning of your service, you can get a full refund for your payments.
Not all companies offer this type of guarantee to their clients. Additionally, if you sign up another family member to your account, Credit Saint waives their first work fee.
Pricing & Fees:
Credit Saint offers three packages with the following features:[5]
| CLEAN SLATE | CREDIT REMODEL | CREDIT POLISH | |
|---|---|---|---|
| Aggressiveness | Very High | High | Medium |
| Price (monthly) | $139.99 | $109.99 | $79.99 |
| Initial working fee/first work fee | $195.00 | $99.00 | $99.00 |
| Challenges to the 3 credit bureaus | Unlimited disputes | ✔ | ✔ |
| Creditor intervention letters | ✔ | ✔ | ✔ |
| Score tracker and analysis | ✔ | ✔ | ✔ |
| Inquiry targeting | ✔ | ✔ | — |
| Personalized guide to credit building | ✔ | ✔ | — |
Pros & Cons:
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Sky Blue Credit: Best for Couples Pricing
Sky Blue Credit has been in business since 1989, specializing in Mortgage Preparation. It's one of the most affordable credit repair companies, so it's great for those on a budget.
Why We Like It:
With Sky Blue Credit, professionals assess your credit reports so you're prepared before buying your first home or refinancing your current mortgage.
You can choose from Individual or Couples plan. However, when you sign up with someone else, each person benefits from reduced monthly fees.
Your payments are also protected with the satisfaction guarantee.
Pricing & Fees:
Sky Blue Credit offers the following features for each package:[6]
| PREMIUM | FULL SERVICE | BASIC SERVICE | |
|---|---|---|---|
| Price (monthly) | Individual: $119.00 Couples: $179.00 | Individual: $99.00 Couples: $149.00 | Individual: $79.00 Couples: $119.00 |
| Initial working fee/first work fee | Same as monthly price | ||
| 3-bureau credit reports and scores | ✔ | ✔ | ✔ |
| Credit bureau disputes | ✔ | ✔ | ✔ |
| Score tracker | ✔ | ✔ | ✔ |
| Credit updates | Every 45 days | Every 45 days | Every 60 days |
| Creditor interventions | ✔ | ✔ | — |
| Credit builder tool | ✔ | ✔ | — |
| Monthly inquiry disputes | ✔ | — | — |
| Debt validation letters | ✔ | — | — |
| Cease and desist letters | ✔ | — | — |
| Personal Information Correction letters | ✔ | — | — |
Pros & Cons:
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Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
The Credit Pros: Best for Credit Building
The Credit Pros has been in the industry since 2009, helping over 1 million clients since it started.[7] If you want to repair and build your credit at the same time, The Credit Pros fits the bill.
Why We Like It:
The Credit Pros disputes inaccurate or outdated items and misleading information that hurt your credit. What's more, they report your monthly plan payments to the credit bureaus to help boost your credit score.
You also get a $5,000 tradeline to buy items from National Credit Direct. If you pay your balances on time every month, this will add more positive items to your credit reports.
As a bonus, The Credit Pros offers credit monitoring features to keep track of your personal and sensitive information. Not all credit repair companies offer these features in their services.
Pricing & Fees:
Here's what else you can get from them:[8]
| REPAIR + BUILD CREDIT | REPAIR CREDIT | BUILD CREDIT | |
|---|---|---|---|
| Price (monthly) | $149.00 | $129.00 | $69.00 |
| First work fee | $149.00 | $129.00 | $119.00 |
| Unlimited disputes to the credit bureaus | ✔ | ✔ | — |
| Creditor interventions | ✔ | ✔ | — |
| Cease and Desist letters | ✔ | ✔ | — |
| Positive payment reporting | ✔ | — | ✔ |
| Credit Building Tradeline | ✔ | — | — |
| ID Cover Darkweb Monitoring | ✔ | ✔ | ✔ |
| TransUnion fraud alerts | ✔ | ✔ | ✔ |
| Debt Payoff & Budgeting System | ✔ | ✔ | ✔ |
Pros & Cons:
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Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
The Credit People: Best for Flat-Rate Plan
The Credit People is another credit repair company with offices in Florida. It's been in the industry since 2001, helping clients improve their credit score by 50—100 points (on average).[9]
Why We Like It:
Since credit repair can take a while, The Credit People gains an edge with its Premium plan that offers a flat rate. You pay $599 for six months (~$100/month), so you save around $20/month compared to the monthly rate.
The satisfaction guarantee covers the entire 6 months. If you're unsatisfied with the service, you can request a refund.
What's more, most companies charge a hefty first work fee. With The Credit People, you can get started for as low as $19. You'll be charged the fee of your chosen plan after seven days.
Pricing & Fees:
You can choose between a flat-rate package and two regular monthly packages:[10]
| PREMIUM FLAT RATE | PREMIUM | STANDARD | |
|---|---|---|---|
| Price | $599 for 6 months | $119/month | $99/month |
| Setup fee | $19 | ||
| Challenges to the 3 credit bureaus | ✔ | ✔ | ✔ |
| Unlimited challenges | ✔ | ✔ | ✔ |
| Before & After credit scores | ✔ | ✔ | ✔ |
| Monthly credit scores | ✔ | ✔ | — |
| Creditor interventions | ✔ | ✔ | — |
| Escalated disputes & validations | ✔ | ✔ | — |
Pros & Cons:
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Credit Repair of Florida: Best for Credit Monitoring
Tim Sanders founded Credit Repair of Florida and it has been offering its credit repair services for over 20 years.
If you're looking for professionals who can dispute on your behalf while keeping a close eye on any changes to your credit, Credit Repair of Florida meets your needs.
Why We Like It:
Credit Repair of Florida provides credit monitoring in all its plans. You get to keep track of changes to your credit as you go through credit repair. No need to sign up for a separate credit monitoring app and pay another fee!
Additionally, if you have any debt balances in collections, the company can negotiate with the collection agency to help you settle your accounts.
There is no definite timeline set to fix your credit score. It may take a few months to several years, depending on the number of inaccurate items in your credit reports, current debts, and financial habits.
To help raise your credit score, you can try paying more than the minimum of your debt, use a credit builder, or monitor credit reports for potential errors.
Pricing & Fees:
Credit Repair of Florida offers the following services:[12]
| PLATINUM | PREMIUM | MONITORING | |
|---|---|---|---|
| Price (monthly) | $199.00 | $149.00 | $50.00 |
| Credit monitoring | ✔ | ✔ | ✔ |
| Identity theft insurance | ✔ | ✔ | ✔ |
| Credit report analysis | ✔ | ✔ | ✔ |
| Customized success plan | ✔ | ✔ | — |
| Dispute negative accounts | ✔ | ✔ | — |
| Expedited dispute letters | ✔ | — | — |
| Collection balance negotiating debt payoffs | ✔ | — | — |
| Live credit counseling calls | ✔ | — | — |
Pros & Cons:
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Credit Repair Process in Florida
Florida credit repair companies will analyze your credit reports and dispute credit bureaus for inaccuracies affecting your credit score.
Here's how it works:
- Sign up for a free consulation
Credit repair companies offer a free initial consultation to discuss your credit. Some companies will set up an account and pull your credit report if you sign up for their service. - Professionals review your credit reports
Professionals will go through your credit reports to spot invalid items and outdated items. They'll also review for accounts that aren't yours. - The credit repair company will send dispute letters
They will write and send dispute letters to Equifax, Experian, and TransUnion. - Wait for the results
The credit bureaus have 30–45 days to investigate your dispute letters. Once they complete the investigation, they have up to five business days to respond to you.
Most credit repair companies operate on a re-dispute basis. If the first dispute letter doesn't lead to removal, you can request to send another dispute letter to challenge the item in question.
Note that another round of dispute means you'll need to wait another 30–50 days for the results of your succeeding dispute.
Yes, you can repair your own credit. Instead of hiring professionals, you can do the legwork of the credit repair process. Start by reviewing your credit reports, then send dispute letters to the credit bureaus to remove the item in question.
Florida Credit Repair State Law
According to Chapter 817 of the Florida Credit Service Organizations Act, credit repair companies in Florida should:[13]
- Not charge fees before performing services unless they have a $10,000 surety bond and established a trust account
- Make false or misleading representations when offering their services to consumers
- Provide a contract in writing, dated and signed
- Provide a clear notice of cancellation in the contract
- Return any payment you made if you cancel the contract within 5 days of signing
All credit repair companies should also follow the provisions in the Credit Repair Organizations Act and the guidelines in Telemarketing Sales Rule.
Credit repair companies are prohibited from making deceptive telemarketing acts like not truthfully disclosing total costs, services, refund policies, guarantees, and other related information to the sale of the service.
On top of that, no company should use threats, intimidation, or profane language. Unless you consented, it is a violation for credit repair companies to call you on the phone between 08:00 AM to 09:00 PM (your local time) for telemarketing their services.
Yes, credit is legal in Florida. However, credit repair companies should strictly follow the Florida Credit Service Organizations Act and Credit Repair Organizations Act to continue doing business in Florida.
How to Choose the Best Florida Credit Repair Company
When it's time to narrow down your choices for the best credit repair company in Florida, look out for the following:
- History and experience
Look for companies that have a proven track record. That way, it'll be easier to get the latest news and updates regarding the company's performance, legal compliance, and accreditations. - Testimonials and reviews
Online platforms like BBB, Google Reviews, and Trustpilot are your best friends. Search for comments, reviews, and ratings to gauge and assess the company you're eyeing. - Guarantee and refund policies
Not all companies offer a guarantee and refund policy. If you want the extra safety net for your payments, go for companies with money-back guarantee or satisfaction guarantee. - Website and online presence
Most things are online now. Search for the company's website, social media accounts, and verified profiles online. This way, you'll see the basic information and send inquiries before you decide to sign up for their service.
Yes, credit repair companies work and can help improve your credit if you have many inaccurate items dragging down your credit score. However, if you only have a few items to dispute, credit repair companies may not be effective.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
Our Methodology
We chose credit repair companies with more than 10 years of experience and continue to provide services to consumers. These companies have a track record for removing millions of items and helping thousands of clients in their years in the industry.
We also looked at the pricing structure and potential costs when you sign up, such as:
- First work fees
- Service fees
- Other charges
- Promos and discounts
All companies on the list have extensive websites with a large library of news, articles, and resources. Some even feature online tools to help you with your finances.
Lastly, we considered companies that had a significant number of reviews from clients and prospects. We browsed platforms like BBB, Trustpilot, and Google Reviews, and look for social media profiles of these credit repair companies.
Bottom Line
If you're suffering from poor credit and you live in Florida, these companies can be your best bet.
Some of these companies have been in the industry for decades — with a lot of experience and knowledge in dealing with credit bureaus and creditors. They can also give you advice on your financial life.
However, credit repair services may come at a steep price. So if you only have minimal errors in your credit report, it may be better to do a DIY, apply for credit builders, and slowly work on building healthier financial habits.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
References
- ^ Lexington Law. About Lexington Law, Retrieved 10/09/2024
- ^ Lexington Law. How much does Lexington Law cost?, Retrieved 10/08/2024
- ^ CFPB. CFPB Reaches Multibillion Dollar Settlement with Credit Repair Conglomerate, Retrieved 10/09/2024
- ^ Credit Saint. Credit Saint - Home Page, Retrieved 10/10/2024
- ^ Credit Saint. Packages, Retrieved 10/08/2024
- ^ Sky Blue Credit. Member pricing, Retrieved 10/08/2024
- ^ The Credit Pros. About Us, Retrieved 10/09/2024
- ^ The Credit Pros. How Much Does Credit Repair Cost, Retrieved 10/09/2024
- ^ The Credit People. The Credit People - Home Page, Retrieved 10/09/2024
- ^ The Credit People. Plans & Pricing, Retrieved 09/16/2024
- ^ The Credit People. FAQ: IS there a discount for couples?, Retrieved 11/01/2024
- ^ Credit Repair of Florida. Our Services, Retrieved 10/10/2024
- ^ The Florida Legislature. Chapter 817, Retrieved 10/10/2024
Alex Mambaje is a research analyst at CreditDonkey, a credit card comparison and reviews website. Write to Alex Mambaje at mambaje@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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