1
AI-Driven Credit Repair
The Credit Pros logo

The Credit Pros
    • The Credit Pros has been in business for more than 10 years.
    • Provides one-on-one consultations with a Certified FICO® Professional, unlimited dispute letters, debt validation letters to creditors, goodwill letters to creditors and cease and desist letters to collection agencies.
    • 3 credit repair packages to choose from, with the lowest package priced at just $69/month plus a $119 sign-up fee.
    • All packages include 24/7 access to a client portal, as well as ID Cover Darkweb monitoring, TransUnion alerts, real-time account sync, bill reminder and a budgeting system.
    • A streamlined sign-up process only takes 90 seconds.
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2
In Business Since 1989
Sky Blue Credit logo

Sky Blue Credit
    • Sky Blue has been in business since 1989, which says a lot about the company.
    • Condition-free 90-day refund policy
    • One tier service takes the guesswork out of choosing a package that is right for you.
    • Priced at just $79 per month, and $40/month for additional members, Sky Blue is an extremely affordable option for credit repair.
    • Every single feature is included in the $79/month package, including Pro Analysis, 35-day dispute cycle, customized dispute and re-dispute letters, score assistance, debt validation, goodwill letters, cease and desist letters, credit rebuilding, and access to phone support.
    • Ability to pause the membership for a month if needed
    • Includes a couple’s discount, with the total monthly cost for a couple at just $119/month.
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3
Almost 1.5 Million Credit Issues Removed
The Credit People logo

The Credit People
    • The Credit People has been in business for over 15 years and has had nearly 1.5 million credit issues removed for their customers.
    • Provides your credit reports and scores when you begin working with them.
    • Includes access to all 3 credit reports and scores
    • Provides a 24/7 online account access for easy credit management
    • Could help you with credit report issues such as late payments, collections, charge-offs, foreclosure, repossessions, bankruptcies, tax liens, judgements and more.
    • Provides a free credit evaluation so that you can see if The Credit People are a good fit for you.
    • Includes live customer service through phone, chat or email
    • Offers a satisfaction guarantee where you can cancel at any time and not be charged for that month, plus get a refund for the prior month’s payment.
    • Pricing is either $79/month or $419 for 6 months, with all of the features and services included.
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4
24/7 Phone Support
Pyramid Credit Repair logo

Pyramid Credit Repair
    • Pyramid Credit Repair has 10+ years of experience in fixing credit.
    • Provides 24/7 phone support and dedicated account managers, making it easier to work with them and ask any questions
    • Includes a free credit repair evaluation
    • Individual start at a competitive $79/month, though the couple’s package is $299/month, making it significantly more expensive than what some of the other credit repair companies offer for couples.
    • Includes an online dashboard, monthly progress reports, creditor interventions, score analysis, custom dispute process, text and email alerts and more.
    • Offers a 90-day money back guarantee.
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5
BBB Accredited
Credit Saint logo

Credit Saint
    • Credit Saint has been in business for 15+ years and is a BBB accredited credit repair company
    • Includes a 90-day money back guarantee
    • Includes a free credit consultation
    • 3 credit repair packages to choose from: Credit Polish, Credit Remodel and Credit Premium, with prices ranging from $79.99/month to $119.99/month, plus an initial work fee.
    • All packages include a score tracker and a score analysis
    • All packages include an online dashboard with full analysis and progress reports.
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6
CreditRepair.com logo

CreditRepair.com
    • Has helped with over 7.5 million removals on behalf of their members since 2012.
    • Has sent more than 23 million disputes and challenges on behalf of their members.
    • Provides a free consultation where you learn your credit score, negative item summary and recommended credit solutions
    • Pricing starts at just $49.95, making CreditRepair.com one of the most affordable credit repair options.
    • Works with all 3 credit bureaus.
    • Provides ID Theft Insurance, FICO® score update, bureau challenges and disputes, creditor interventions, a personal online dashboard, score tracker and analysis, email and text alerts and more.
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7
Most Clients Served
Lexington Law logo

Lexington Law
    • Includes a free credit report consultation.
    • Has been helping people fix their credit since 2004.
    • Lexington Law has had an astonishing 77 million items removed from their customers’ credit reports.
    • While not all credit repair companies are lawyers, Lexington Law is a law firm.
    • Provides 3 levels of credit repair: Concord Standard, Concord Premier and Premier Plus.
    • According to their website, 77% of their clients who have had their credit scores improved saw an average increase of 40 points.
    • Provides a military and spouse discount.
    • Includes Fraud Alert and Identity Protection
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Living in Florida is like spending all of your time in a summer wonderland. While this is great for some, it can be bad for those who have high amounts of credit card debt. Too much credit card debt can lead to poor credit or even bad credit. It can also lead to a vicious cycle of racing to pay off interest charges without ever paying down what you own. If you are battling high amounts of credit card debt and it has lowered your score, there is help available. Working with a Florida credit repair agency is a great way to get debt collectors off your back and rebuild your credit at the same time.

Overview of the credit industry in Florida

Florida is just below average in credit card debt, sitting at an average of $5,184 per person. While Florida has an affordable cost of living overall, one basic necessity that outprices the national average is real estate. Pricey Florida real estate makes a credit score even more important, since good credit is necessary for both renting and purchasing a home.

Credit scores in Florida are lower on average than those in the US generally. The average credit score in the Sunshine State is 706, 8 points lower than the US national average of 714. While it’s still considered a good score, you may not be able to access the best credit products with a score that matches the Florida average. In some cases, credit repair can help you get your credit score higher by removing entries that appear on your credit report erroneously.

Laws that effect credit repair in Florida

A state law in Florida, Fla Stat 817.7001, provides some extra guidance for credit repair companies that operate within the state. While Florida doesn’t have strict requirements for these companies, the do have some specific guidelines, including requiring that credit repair organizations:

  1. Have surety bonds that are a minimum of $10,000
  2. Offer a full refund to all customers who request it within 10 days
  3. Allow for cancellation of the contract within 5 business days of the contract being signed
  4. Include some specific disclosures to customers within the contract itself

Credit repair providers working in Florida are also subject to the Credit Repair Organizations Act (CROA), a federal law that dictates how they can present information to customers, how contracts should be structured, and how payments should be charged. This law creates a solid baseline for all credit repair companies, which is supplemented by the Florida state laws which add a bit more local context.

Do you need a lawyer to do credit repair in Florida?

While many lawyers in Florida do offer credit repair service, it’s not a requirement for companies to be a law firm or have lawyers to do the work. Credit repair can technically be done by anyone since no official qualifications are necessary. An experienced credit repair company with a good track record is often a better choice to base your decision off of rather than if the company is a law firm or not.

Credit repair process in Florida

The credit repair process is deceptively simple. In Florida, you need to follow these 3 steps:

Step 1: Requesting your credit reports

Businesses report your credit activities to at least 1 of the 3 major credit bureaus in the US. To get a complete picture of what’s happening with your credit score, you need to request a full credit report from each of these 3 credit bureaus. Some of the bureaus will have different information from each other, which is why you need to get all 3 instead of just 1. You’re entitled to a free credit report from each bureau every 12 months.

Step 2: Analyzing credit report entries

Take all 3 credit reports and look closely at the entries. Look for any entries that have false or inaccurate information, including entries for missed or late payments that you aren’t responsible for. There could also be credit accounts opened in your name or on your report that don’t belong to you. These are examples of some of the most common erroneous entries, but there can be other mistakes as well. Check carefully to ensure your credit reports only contain accurate entries.

Step 3: Sending in dispute letters

For every inaccurate entry you find, you need to send in a dispute letter to the credit bureau that produced the report where you found the problem. These letters will initiate an investigation of the entries. Until the investigation is finalized, there’s a lot of follow up with credit bureaus to provide additional information and stay updated on what’s happening with your credit report.

Note: Despite the simplicity of the 3 steps in Florida credit repair, it’s a process that’s best left to an experienced individual or business. This process takes a lot of time and usually involves communication with each credit bureau over a few months.

How your credit score affects your finances

Your credit score has a dramatic effect on your life. It can determine how often you are denied or approved for loans or even housing. When you have poor credit when you are able to secure a loan the interest rates are usually much higher than what is offered to those with healthier scores. Loan approvals may also be slower and require shorter repayment terms in addition to requiring hefty down payments. Aside from securing new lines of credit, poor scores are often a result of mismanaged finances. If you are dealing with late payments and missed payments, your poor score may cause you to get stuck in the vicious cycle of creating more debt just to pay off old debt, none of which helps your score.

Can a credit repair service really help?

There are many ways a credit repair agency can help restore your credit. The first thing they will do is have any marks that should not be there taken off. Negative marks like accounts that should have dropped off, inaccurate entries or mistakes can drag down your score will be targeted as the first to go. The rates for credit repair services in Florida vary depending on what you need to be done and how long it takes to complete. This type of service is ideal for people who are suffering from bad credit but are still able to afford their regular monthly bills. It is also a good option for those who may be planning to make a big purchase such as a new car or a new home. The better the credit score, the more affordable the offered interest rates will be.

Picking a credit repair service that fits your needs

A lot of projects take no thought or research when you hire a person to complete them. Mowing the lawn or cutting your hair for example requires little to no research. When it comes to credit repair, however, it is important to complete your due diligence before selecting a company to help you rebuild your score. There are many great credit repair and credit counseling companies on the market, but for every 10 great companies, there is bound to be a bad apple thrown in.

A credit repair company will use the same avenues you have available personally to repair your credit. Their advantage is that they have more experience in getting results and they have more time to dedicate towards bringing up your score. This is their main job after all. Anyone that claims they can get rid of accurate negative entries on your report or who offers to create a credit privacy number to give you a new credit identity are scams. Not only do these methods not work, but you will also end up in a worse situation than when you started.

Choose a credit repair agency that is certified, offers a clear pricing plan, and also an estimate on how long you may need to use the service to see results. Most credit repair takes a minimum of six months to be effective, but in many cases, it will take a year to fully restore and then rebuild your credit.

Living in Florida offers you access to some of the most beautiful things that the country has to offer. From lush greenery to extravagant cruises, fine dining, and amazing entertainment venues. However, if you have bad credit not only will it be harder to enjoy the finer things, it can be difficult to see anything but piles of debt amongst the vast riches of the state. Instead of suffering on your own, working with a certified credit repair agency can help you turn things around.

Common questions and answers:

  • How much can you improve your credit score in Florida?

    Credit scores can be greatly increased by removing inaccurate entries. Your payment history makes up a huge portion of your credit score. Removing negative entries that shouldn’t be there helps to clean up your credit score and get you back to whatever score you should actually have, without false entries dragging you down.

  • How much does credit repair cost in Florida?

    When you get credit repair in Florida, you’ll likely be charged a monthly rate from the start of the process until you cancel your contract. Some companies charge a one-time setup fee, followed by a monthly fee for their services. The average monthly fee for credit repair in Florida is between $99 - $219 per month, but you can find a wide range of companies offering the service anywhere from $89 - $249 per month.

  • How long does the credit repair process take in Florida?

    On average, the credit repair process in Florida takes 3 – 6 months from start to finish. It’s a long, tedious process that involves a lot of following up and keeping in touch with different credit bureaus until they correct inaccurate entries. Credit bureaus have to respond to any dispute letters within 30 days, but the process is rarely completed within that time frame.

  • Are there any cities or towns in Florida where you cannot get credit repair?

    Although it may be easier to find a credit repair organization operating in a large city like Jacksonville, Miami, Tampa, or Orlando, there’s no limit to where you can get this service. It doesn’t matter how large or small of a city you live in, you can get credit repair across the whole Florida. Even residents in smaller cities like Silver Springs Shores, Bardmoor, Butler Beach, or Oak Hill can access reliable credit repair from anywhere in Florida.

Get help with credit repair in Florida:

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