Best Credit Repair Companies in Florida

Best Credit Repair Companies in Florida

Chris Morgan
Author : Chris Morgan
Updated on : August 13th, 2021

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You probably just did a Google search for “best credit repair companies near me.” If all you want is our top pick, then it’s Credit Saint. With a 90-day money-back guarantee, an A+ rating from the BBB, and fast customer service, Credit Saint is the best option.

Florida is often regarded as a sunny paradise, filled with beautiful beaches and iconic amusement parks.

This seems to attract many people to the state, as the most recent U.S. census data tells us that there are over 21 million people living in Florida. This ranks the “Sunshine State” as the third most populous state in the U.S., behind only California and Texas.

When it comes to credit scores, Floridians could be doing better. According to 2020 data from Experian, the average FICO score in Florida is 701. This figure is decent, but it’s still 10 points lower than the national average of 711.

Looking deeper at some of the statistics, we can see why some Floridians may be struggling with their credit:

Bankruptcies, high credit utilization, and late payments are negative items that can really hurt your credit score. In the worst case, a lingering late payment could lower your score by 100 points or even more.

A 100 point difference can be costly. To illustrate this, consider the cost of a Disney Vacation Club (DVC) membership, which allows you to stay at exclusive Walt Disney resort locations in Florida. Prices for 100 DVC points, which can be exchanged for around 7-14 day stays depending on the property, typically start at around $20,000.

  • Suppose you put 10% down and request a 10 year loan for $18,000. Vacation Club Loans offers loans at rates ranging from 9.9% to 15.9%.
  • If your score is in the 700s, you may qualify for a 10% interest rate. This would result in a monthly payment of $237.87, and a total loan cost of $28,544.56.
  • If your score is in the 600s, you may qualify for a 15% interest rate. This would result in a monthly payment of $290.40, and a total loan cost of $34,848.35.

As you can see, a poor credit score could cost you over $6,000 more on luxury Disney resort stays. However, the good news is that every credit score can be improved. For Floridians, credit repair is one of the best options to consider.

In this article, we’ll introduce our top recommendations for credit repair in Florida, including 3 online-based services and 10 local offices. Wherever you are in the Sunshine State, we’ll have a suitable credit repair recommendation for you.


Is Credit Repair Legal In Florida?

Yes, credit repair is legal in Florida. However, ensure that any credit repair company you work with abides by the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). These laws make it illegal to ask for payments upfront and make any guarantees unless in writing.

In addition, the 2020 Florida Statutes lists state-specific prohibited acts for credit repair organizations.


How Does Credit Repair In Florida Work?

Credit repair agencies in Florida generally will follow this three-step process:

  • Free consultation: A representative will go over your credit reports and give an overview of their services.
  • Dispute errors on your behalf: The company will then come up with a plan to fix your credit report and draft dispute letters to send to credit agencies.
  • Recommendations going forward: Once your credit is fixed, the company may offer additional recommendations to maintain your good credit.

For more details on what to expect in each step, see our article about how credit repair companies work.


Best Credit Repair Services In Florida

If you’re looking for the best credit repair services in Florida, we recommend starting out with the following three companies. They are well-known online-based services that accept clients in Florida.

Credit Saint


Credit Saint Logo

Credit Saint is a popular and effective credit repair company that has been helping clients boost their scores since 2004. As a testament to their services, they have been able to maintain a BBB rating of A or higher since 2007.

If you’re looking for credit repair, you likely have heard the name Credit Saint before. This is because they’re known for results. Many of their clients are able to see significant score increases of 50, 100, and possibly more.

If you don’t see results within 90 days, you can request a full refund as part of their industry-leading 90 day money back guarantee. This makes Credit Saint a top option for those who may be wary about spending money on credit repair.

We also recommend Credit Saint because of the following:

  • Reasonable Prices
  • Flexible Cancellation
  • Efficient and Transparent 45 Day Dispute Cycles
  • Private Dashboard
  • Highly Rated on BBB, Good Track Record
  • No Fees When Requesting Credit Reports

Learn more about Credit Saint in our full review.

Lexington Law


Lexington Law Logo

Lexington Law is another well-known name in the industry. Since 2004, they have sent dispute letters for over 220 million items.

Lexington Law’s competitive edge comes from their transparency and professionalism with their staff. All members of their team have legal experience, whether it’s working as a paralegal or a law degree from university. They display staff profiles along with their credentials publicly on their website.

Lexington Law is known for having slightly lower prices, while still being one of the top credit repair agencies out there. It’s definitely worth your time to schedule a free consultation and learn more about their services.

We also recommend Lexington Law because of the following:

  • Experience & Popularity
  • Reasonable Pricing
  • Offers Mobile App
  • Free Resources On General Credit Improvement
  • Flexible Customer Service Hours

We go into detail about all of these points in our full review of Lexington Law.

CreditRepair.com


Credit Repair Logo

CreditRepair.com is another online-based service for Floridians to consider. They are a newer company compared to Credit Saint and Lexington Law, but they have already successfully disputed over 1.8 million items since 2012.

CreditRepair.com has a mission to not only fix bad credit, but also to teach their clients how to build good credit. This can be seen from their Credit Education tab, which features a ton of valuable resources. Often, companies that have this focus are able to produce better results.

We also recommend CreditRepair.com because of the following:

  • Ongoing Credit Education and Support
  • Simple Process: Check, Challenge, Change.
  • Reasonable Pricing
  • Offers Mobile App

Credit Repair Offices Near Me In Florida

We recommend all Floridians looking for credit repair to start with Credit Saint, Lexington Law, or CreditRepair.com. These services are reliable, effective, and convenient.

However, some people may prefer going to a local credit repair agency instead. In the next section, we list 10 highly-rated local offices in Florida. We’ve included contact information for each so you can get in touch with them right away.

AM Credit Repair (Jacksonville)


AM Credit Repair Logo

AM Credit Repair is an agency that advertises “professional service with a personal touch.” Among 30 Google reviews, they have a perfect 5 out of 5 rating.

AM Credit Repair prides themselves on providing a personalized experience for each client. This has fared well, with some testimonials noting that AM Credit Repair was able to remove all errors from their credit reports.

However, additional personalized attention does come with a cost. With each deletion costing $90 in addition to a $110 monthly fee, AM Credit Repair may only be for those with higher budgets. They do offer a 7 day trial of their services for $1, so it’s worth trying out.

Contact Information:

  • Address: 8665 Baypine Road Suite 100
  • Phone: (904) 586-0923

Attorney Credit Services (Orlando)


Attorney Credit Services Logo

In the past decade, Attorney Credit Services in Orlando has helped thousands of clients repair their credit and obtain new loans. Among 49 Google reviews, they have an average rating of 4.3 out of 5.

Attorney Credit Services offers a credit repair program that will dispute and re-dispute errors on your behalf. They also focus on continued results after credit repair, and teach you how to build positive credit moving forward.

They also offer loan modification services, which is useful if you need mortgage relief. After speaking with one of their representatives, you may be able to get a fresh start with a lower monthly mortgage payment.

Contact Information:

  • Address: 1209 Edgewater Dr #203B, Orlando, FL 32804
  • Phone: (855) 535-0604

Credit Repair Consultants (Miami)


Credit Repair Consultants Logo

Credit Repair Consultants is a full-fledged credit repair firm in Miami. Among 22 Google reviews, they have a perfect 5 out of 5 rating.

Their most popular package, the Premier Plan, includes bureau disputes and an online portal to track case progress. In addition, they offer a HomePlus Plan, which is designed specifically to help you get approved for a mortgage.

Best of all, Credit Repair Consultants also has a very attractive refund policy. If they are not able to remove any items within 120 days, you’ll get a full refund. In addition, they offer partial refunds for up to 12 months if you’re not satisfied with their services.

Contact Information:

  • Address: 122 Hialeah Dr, Hialeah, FL 33010
  • Phone: (877) 402-7334

Elite Credit Solutions (Tampa)


Elite Credit Solutions Logo

Elite Credit Solutions is an affordable credit repair service based in Tampa. Among 50 Google reviews, they have an average rating of 4.8 out of 5.

While their website is not very well-maintained and contains limited info, many of Elite Credit Solutions clients have seen excellent results. John Bach, the owner of Elite Credit Solutions, is regarded as “Mr. Credit” by locals.

When you get started with a free consultation, you’ll get an in-depth credit report analysis and credit recommendations to begin improving your score instantly.

Contact Information:

  • Address: 4203 N Armenia Ave Suite 103, Tampa, FL 33607
  • Phone: (813) 317-6776

Florida Credit Repair (Fort Lauderdale)


Florida Credit Repair Logo

Located in Fort Lauderdale, Florida Credit Repair is one of the state’s most highly-rated repair agencies. Among 82 Google reviews, they have an average rating of 4.8 out of 5.

Florida Credit Repair has three tiers of services depending on your needs: Premium, Diamond, and VIP Bankruptcy credit repair. Their team is composed of mostly licensed attorneys who are familiar with federal and state laws around credit repair.

One important thing to note is that we don’t like that their contact form includes fields asking for your passwords to Experian, Credit Karma, and other sites. At least they are marked as optional, but you should never include this information in any online form under any circumstances.

Contact Information:

  • Address: 401 E Las Olas Blvd #1400, Fort Lauderdale, FL 33301
  • Phone: (954) 951-2195

Great American Credit Repair (Orlando)


Great American Credit Repair Logo

Great American Credit Repair offers credit restoration and counseling services mainly to residents in Florida and North Carolina. Their Orlando location has an average rating of 4.7 out of 5 among 47 Google reviews.

Great American Credit Repair has two main types of services:

  • Credit Repair/Credit Restoration: Ideal for those with mistakes on their credit report. Great American Credit Repair will dispute items on your behalf.
  • Credit Counseling: Ideal for those who need debt relief, as well as general guidance on how to manage their credit and finances.

They also have a robust refund policy, where you can get a full refund after 3 months if no negative items are removed. In addition, they offer partial refunds and discounts in select circumstances.

Contact Information:

  • Address: 37 N Orange Ave, Orlando, FL 32801
  • Phone: (407) 259-4491

Miami Credit Repair (Miami)


Miami Credit Repair Logo

Miami Credit Repair offers premium credit repair and counseling services to Floridians. Among 53 Google reviews, they have a perfect 5 out of 5 rating.

Since 2009, Miami Credit Repair has represented thousands of clients by helping them remove errors from credit reports. They operate in 30-day cycles, where you’ll receive a detailed report about progress every month.

One area to note is that Miami Credit Repair doesn’t offer a very good refund policy like most other firms. After a payment, you only have 5 days to cancel your service before you become ineligible for a refund.

Contact Information:

  • Address: 801 Brickell Ave Ste 900, Miami, FL 33131
  • Phone: (786) 579-2383
  • Email: sales@clean.credit

National Credit Federation (Tampa)


National Credit Federation Logo

National Credit Federation is an organization where members get access to credit repair services and financial help. Among 153 Google reviews, they have a perfect 5 out of 5 rating.

National Credit Federation has a very straightforward pricing model where you pay a monthly fee for membership. This fee decreases over time. With your membership, you get access to their Done For You credit repair program, as well as financial resources such as a budgeting tool.

We love that they also have a focus on credit education with their Free Credit University. This is a collection of 19 lessons with accompanying videos that teaches you about credit.

Contact Information:

  • Address: 2803 W Busch Blvd #210, Tampa, FL 33618
  • Phone: (877) 720-7587

The Oasis Firm (Fort Lauderdale)


The Oasis Firm Logo

The Oasis Firm advertises “VIP” financial services in the Fort Lauderdale area. Among 114 Google reviews, they have a perfect 5 out of 5 rating.

The Oasis Firm is a general financial services firm, meaning that in addition to credit repair, they also offer financial services. Among these include wealth management and tax preparation services.

Their most popular plan, the Gold Plan, includes a free consultation, credit bureau disputes, as well as a personal credit advisor. You will be billed per item deleted, and there is a 90 day money-back guarantee.

Contact Information:

  • Address: 4300 N University Dr Suite F-100, Sunrise, FL 33351
  • Phone: (833) 886-2747
  • Email: info@theoasisfirm.com

Total Credit Rehab (West Palm Beach)


Total Credit Rehab Logo

Total Credit Rehab is a credit repair agency in West Palm Beach. Among 94 Google reviews, they have an average rating of 4.8 out of 5.

Total Credit Rehab’s credit repair program is designed to try and bring your credit score to 700 or above within 90 to 120 days. According to their website, clients begin seeing results within 20 to 45 days.

They also offer a number of other services, including student debt consolidation and user tradelines. You’ll have 24/7 access to an online portal where you can track progress on your case.

Contact Information:

  • Address: 1897 Palm Beach Lakes Blvd Ste 209, West Palm Beach, FL 33409
  • Phone: (561) 653-1437

Which Office Should I Pick?

It can be hard to choose an office from the 13 recommendations we listed. However, since most of these services do offer a free initial consultation, you can set time aside to give several of them a call and gather more information about each one.

We recommend most people in Florida to start out with Credit Saint’s free consultation. They will help you get your credit reports and do a detailed credit analysis on them for free. There is no obligation to sign up for their paid services.

How Do I Tell If A Credit Repair Service Is Legitimate?

All 13 of our Florida recommendations are legitimate and trustworthy credit repair companies. If you end up doing your own research, before choosing a company, be sure that they have the following features:

  • Verifiable Physical Address
  • Registered with the State of California Department of Justice
  • Proven Track Record
  • No Lofty Promises Unless Made in Writing
  • Transparent Pricing Provided Through Website or Free Consultation

How Long Does It Take To See Results From Credit Repair?

On average, it takes around 6 months of credit repair before you’re able to get the most out of it. However, since credit repair is a gradual process, you may start seeing smaller score increases in as little as 30 to 90 days.

Remember that fixing your credit won’t happen overnight. Credit companies will work as efficiently as they can on your behalf, but disputing items and waiting for the bureaus to respond can take time.

How Much Is Credit Repair In Florida?

For around six months of service, credit repair in Florida should cost you around $1,000. When comparing the costs of different services, we recommend calculating the total cost of six months of repair rather than simply comparing monthly fees.

Certain pricing models may be more suited for your situation. For example, some companies have a pay-per-deletion pricing model, which is better if you don’t have many errors on your report.


Can A Credit Repair Company Really Help?

Yes, a legitimate credit repair company really can help you repair a bad score. However, much of the credit repair industry is filled with scams, so be sure to stick with our recommendations or do your own research.

It’s entirely possible to fix your credit yourself, but this may take a lot more of your time and energy. In addition, it can be difficult knowing which items to dispute without professional guidance. For these reasons, many would consider a credit repair company a worthy investment.

Take the following Credit Saint review from Consumer Affairs by Kristin from Durham:

Kristin D.

They did what they said they would, but something went wrong - not their fault - shortly after I'd closed my account. I spoke to a young man named Ryan, who graciously and patiently helped me out. Long story short... my score went up, wait for it....165 points!!! That is: one sixty five! Amazing. Special shout out to Ryan, Credit Saint - he was truly a "saint."

Kristin saw her score increase a whopping 165 points thanks to Credit Saint. She also praises their patience in working on her case. Large score increases like this may be possible for you as well.


Conclusion and Next Steps

In this article, we introduced 13 of the best credit repair companies in Florida. All of these companies have a proven track record of helping people get their credit back on track.

If you’re in need of credit repair, we highly recommend reaching out to Credit Saint and scheduling a free consultation with them. From there, you can continue with paid services or explore our other recommendations to start improving your score today.


When doing research, Credit Help Info relies on credible and authoritative sites. These research sources are provided so that you can see exactly where we get our information.


About the Author

Chris Morgan

Chris Morgan has read hundreds of books and resources on finance, especially credit related materials. Because he did this, you don’t have to. As a school teacher for over 20 years, Chris enjoys taking complicated material and breaking it down into easy to understand chunks.


Learn more about Chris


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