One of the leading reasons people hire credit repair companies in Florida is because they’re looking for a quick increase in their scores to qualify for loans. Now, this is not a bad reason for seeking professional intervention. Unfortunately, it’s quite easy for consumers to confuse what the services can and cannot do. They can’t drastically improve scores if there are no inaccurate items in existing consumer reports. For instance, it’s not possible to remove late payments incurred from legitimate accounts.
Honest firms first review the consumers’ reports to confirm if there are inaccurate accounts to challenge before offering their paid services. Don’t count on the company doing this for you. Order free reports, check for errors and then seek help.
The reputation tells us whether customers can trust the brand to deliver on its core mandate.
Our experts analyze metrics about the number of disputes filed and consider the complaints brought by customers.
We check if the brands have modern websites, functional user portals, and mobile apps.
Our experts consider whether the firm offers creditor interventions, debt validation, report tracking, etc.
The firm should not be charging above industry rates, and packages must be affordable for all customers.
Our experts have prepared the following list of reputable credit repair services in and around Florida. Choosing nationally renowned brands always comes with the advantage of lower costs and better credibility. Here are the respective credit repair company reviews:
Hiring a credit repair attorney in Florida can quickly drive up the costs. There is a solution, though. Lexington Law has been offering affordable attorney-led credit repair services since 2004. Their basic package costs $89.95 with a setup fee of $89. It includes bureau disputes and creditor interventions. Higher packages come with extras such as reporting monitoring and score tracking.
Read More:Lexington Law Review
Are you searching for a local firm for credit repair in Florida? Zorro Credit opened its first office in 2004 and now operates from Miami. Over the years, they have helped more than 14,000 people with their credit. The monthly package goes for $99 and clients typically see results in 60 days. Residents from other states can access their services as only 30% of their business originates from Florida.
For a worry-free service, clients all over have trusted Credit Saint. They back up their service with a 90-day guarantee. Basically, the firm promises to refund the monthly subscription costs for customers that have not had any removals. Clients also receive credit monitoring through CreditSquad.com.
Credit Saint has monthly packages ranging from $79.99 to $119.99. Many people choose their top plan, which is the most aggressive as it includes unlimited challenges.
Read More:Credit Saint Review
The Credit Pros is a trusted choice for Credit repair Florida. They are BBB accredited with a B+ rating as of June 2021. The firm has been in business for 12 years with no claims or lawsuits from consumer protection bureaus. Customers receive help from Certified FICO© credit repair specialists and access to an AI-driven personal credit management system.
Read More:The Credit Pros Review
Sky Blue is one of the best credit repair companies in Florida. They have been offering services since 1989 and also have the best guarantee across the industry. Sky Blue will issue refunds if you’re not satisfied for any reason within 90-days of signing up. Their guarantee does not have non-performance events. For instance, many companies will not issue a refund if there has been a single removal. The monthly package goes for $79 per month with a $79 review fee.
Read More:Sky Blue Credit Repair Review
Founded in 1994, Creditfirm.net is a credit repair law firm that believes that everyone has the right to good credit. Their process was developed by real lawyers who also provide legal audits of customer reports. They have made their services quite affordable at only $49 per month. Potential customers qualify for a free consultation, where the experts create an action plan showing what it will take to improve their credit. They promise no hidden fees, unlimited disputes, and creditor interventions.
People who have many errors in their reports can challenge the bureaus individually by writing custom dispute letters. For extra convenience, they hire credit repair agencies. Now, as part of their extra services, most credit repair companies offer debt validation letters. Note that the letters are only useful for challenging the actual amount owed. The companies can’t help resolve debt accounts.
Debt settlement services in Florida, on the other hand, help negotiate settlements for collections accounts. For instance, if a debt collector agrees to settle for 50%, it means that they only need the consumer to pay half of the amount owed to close the collections account. As with credit repair, there is no need to hire specialists. Anyone looking to cut on costs can repair credit scores or negotiate settlements themselves.
Yes, it’s legal. All residents have the right to perform DIY credit repair or hire companies as per the provisions of the Fair Credit Reporting Act. Credit Repair Organizations that want to operate in the state must pay the surety bond, amounting to $10,000.
Monthly prices for professional credit repair range from $49 to $130. There is an initial work fee that usually corresponds to the monthly package price. For monthly services, subscribing for more months means higher fees. Some firms charge for each item removed. The pricing model can be cost-effective if there are few items to challenge.
Paid credit repair in Florida from a professional firm can take place over 1 to 6 months. It’s not an exact timeline as it’s subject to the number of dispute items and how bureaus respond to challenges.
Floridabar.org defines a credit repair scam as paying for credit cleaning services but receiving little or nothing in return. There are various remedies consumers can seek after falling victim to scammy services. First, launch a complaint with the Division of Consumer Services by calling their toll-free helpline at 1-877-MY-FL-CFO (1-877-693-5236). In other states, complaints may be lodged with state attorney offices. The FTC also allows consumers to file complaints, but they state that they can’t dispute individual disputes. The agency only intervenes if there is an established pattern of possible law violations.