Are you searching for credit repair companies in Miami? Have you encountered any of the following statements?
Any Miami credit repair company or professional service making such claims is not legit. It’s impossible to get a completely new credit identity, as CRBs can’t simply delete or issue brand-new reports to existing consumers.
Promises of rapid score increases are also false as the process of removing negative items through re-investigations takes 30 days on average. Getting accurate entries such as bankruptcies or debt collection accounts expunged is another impossible task. Now, this doesn’t mean that negative items remain on reports indefinitely. CRBs remove most negative entries after 7 years from the initial date of entry.
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 considered services with affordable monthly fees and long track records of success. Some firms have been around for over 20 years.
Check out the featured credit repair companies in Miami to find both local and national options:
Founded in 2004, Credit Saint regularly emerges as the best service for challenging inaccurate items in industry reviews. Its reps have garnered lots of praise for being very effective at their job and offering excellent support.
The firm promotes a worry-free service by offering a 90-day money-back guarantee. Their most popular package goes for $119.99, and it includes unlimited challenges, Experian monitoring, score analysis, and inquiry targeting.
Read More:Credit Saint Review
Go Clean Credit is one of the best credit repair companies in Miami. They offer a wide range of services, including certified legal assistance, premium credit monitoring, and expert-led report reviews. Their online portal makes it convenient to track the status of cases and communicate with the support staff. The company has also published a DIY credit repair app that offers self-help pointers. Support is available in both English and Spanish.
Credit Glory is one of the best credit repair services in Miami. They offer a 15-minute free consultation with their internal credit experts. Their pricing packages accommodate varying needs. The monthly package at $99 per month may be adequate for people with lots of errors to challenge. Paying for each removal costs $79. All plans have a 90-day money-back guarantee. While the firm offers most of its services online, it’s one of the few Miami credit repair companies on this list, with physical offices in the city.
Ovation prides itself on offering superior services. On average, their customers see a score improvement of up to 19 points. The free initial consultation involves a professional credit analyst who provides a review of the reports and recommends their paid services if necessary.
Ovation affords everyone the chance to work on a one-to-one basis with a personal case advisor, and they have innovated an electronic disputing system to fast-track disputes. There are two packages at $79 and $109 per month with an initial work fee of $89.
Read More:Ovation Credit Repair Services Review
The Credit Pros works with Certified FICO® experts to offer personalized services. Booking a free consultation takes a few minutes, and it’s possible to choose the most convenient time to receive a call back. There are three pricing packages ranging from $69 to $149.
Despite the seemingly high monthly cost on the top plan, the $69 package includes all the core features for successful credit repair, such as custom challenges and creditor interventions. The Credit Pros Legal Network is also on hand to help clients with complex challenges.
Read More:The Credit Pros Review
Lexington Law is the ideal choice for trusted attorney-backed services for credit repair Miami. During the initial consultation, they pull a free TransUnion report and the latest FICO Credit Score. They go above and beyond fixing negative items. Their modern platform allows access to credit monitoring, FICO score updates, and personal finance tools. Packages are affordable, with the basic plan going for $89.95 and $129.95 for the advanced plan.
Read More:Lexington Law Review
The Credit People has the lowest setup fees in the industry at only $19. This makes it the best choice for consumers looking to save on credit repair in Miami. Their monthly package only goes for $79 per month. The service is backed by a no-risk policy. They allow people to cancel their membership before the end of the billing cycle without any charges for the services rendered during the month. As an added courtesy, The Credit People also refunds the last month’s payment to unsatisfied customers.
Read More:The Credit People Review
Miami residents looking to increase their scores quickly can do so by checking and resolving errors in their credit reports. They can also confirm that negative items have not remained on record for more than the allotted time frame. It’s usually 7 years for most items and 10 years for Chapter 7 Bankruptcies.
Professional services follow an established legal process for cleaning reports. They perform an initial inspection, gather any supporting documentation, and prepare custom challenges. Following any removals, the firms push alerts through their online portals or via email and text.
Most reputable firms charge an initial review fee and recurring monthly fees. Note that firms that charge for each deletion are not necessarily more affordable.
Fixing credit and receiving help from credit repair specialists is legal in Florida. The state regulates credit service organizations by requiring them to avoid fraudulent practices. CSOs are prohibited from making misleading statements or withholding any material information that could significantly impact the service. Florida-based services must obtain a surety bond.
The cost of reputable credit repair services varies depending on the preferred company. We found that the most affordable providers charge anywhere from $50 to $130 per month. Some specialized services charge more than one thousand dollars.
Annualcreditreport.com is authorized by Federal Law to provide consumers with one copy of their reports from the three bureaus each year. Currently, the three CRAs are jointly issuing reports each week as part of a collective effort to ease the financial hardships brought about by the pandemic.
The best way is to work with trusted credit repair agencies that have been in the business for many years. They must have past reviews from real customers. A legit company will also publish their address and should at least offer free consultations. You can also check if the company has been involved in lawsuits filed by the state attorney general or consumer protection bureaus. Lastly, if the company is making a lot of impossible claims, don’t trust them.