Last updated:

Best Credit Repair Companies in Boca Raton, FL

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Boca Raton Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



8Top Picks

Learn about our selection process.


featured provider = Featured Provider

Boca Raton, FL Rating

Review Sources

4.8 (8775)
2.5 (26)

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

  • Credit Restoration
  • Credit building
  • Money Back Guarantee
  • Credit Audit
  • Credit Repair
Lexington Law logo


Boca Raton, FL
Free Credit Report Consultation Rating

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

  • Credit Repair
  • Consumer Credit Services

5401 Broken Sound Blvd NW, Ste 202, Boca Raton, FL 33487 Rating

Review Sources

4.4 (466)
2.5 (3)

Why choose this provider?

Sky Blue is a credit repair company serving Boca Raton and the surrounding areas since 1989. It provides clients with analyses on credit reports to select items to dispute which can be scheduled every 35 days or according to clients' needs. It helps avoids issues by researching an account's statute of limitation and identifying specific actions to optimize credit scores. Sky Blue also offers credit rebuilding, debt validation, goodwill letter, cease and desist letters, and debt negotiation consultation services.

  • Debt Consolidation

Coral Springs, FL 33065 Rating

Review Sources

5.0 (16)

Why choose this provider?

Boost Ur Credit serves people throughout the Boca Raton area. Its credit repair specialists assist clients in regaining financial stability. They understand the laws that govern creditors, credit bureaus, and collectors—knowledge they use in helping clients navigate the complex credit repair process. They begin by reviewing credit reports and identifying incorrect information. They also examine the many variables that are lowering credit scores and present specific methods to raise them. Boost Ur Credit also educates clients on how to continue improving credit scores during the credit restoration process.

  • Credit Monitoring

433 Plaza Real Suite 275, Boca Raton, FL 33432 Rating

Review Sources

5.0 (6)
5.0 (1)

Why choose this provider?

CreditMergency assists individuals and businesses in Boca Raton with their credit repair, counseling, and consulting needs. Its team, which has around 25 years of combined experience, helps clients fix their bad credit rating and history to give them a better chance to qualify for a home or car loan, employment, credit card, and student loan. The team works with the major credit bureaus and creditors to dispute negative and inaccurate information from clients' credit reports.

  • Credit Dispute

980 N Federal Hwy, Boca Raton, FL 33432 Rating

Review Sources

4.7 (15)
5.0 (7)

Why choose this provider?

CL Credit Counseling addresses the credit restoration needs of individuals and businesses in Boca Raton. For the last five years, the company has helped many clients who want to qualify for home or car loans, need clean credit reports for employment, and want to lower insurance payments. Its credit specialists help them improve their credit profiles by challenging questionable, inaccurate, outdated, or unverifiable data on consumer credit reports. They also assist with debt settlement and business credit matters.

  • Credit Monitoring

593 E Sample Rd, Pompano Beach, FL 33064 Rating

Review Sources

4.8 (32)

Why choose this provider?

My Score Consultant offers credit repair services to Boca Raton residents. Its team members file disputes with the appropriate agencies regarding the problematic items on their clients' credit reports. They work to remove or correct derogatory accounts such as late payments, bankruptcies, repossessions, and garnishments. The consultants keep consumers updated on the status of their credit restoration and the possibility of resolving disputes multiple times to achieve the desired result. Its team also offers credit education on establishing good financial standing.

  • Credit Monitoring
  • Credit Dispute

3901 North Federal Highway #201, Boca Raton, FL 33431 Rating

Review Sources

5.0 (162)
5.0 (47)
5.0 (4)

Why choose this provider?

Liberty Credit Experts offers an array of services to individuals in Boca Raton and nearby locations. It helps clients improve their credit scores to achieve their financial goals. The firm performs credit analysis to identify inaccurate and negative information. Consumers can access its online portal to track their credit repair progress. The company's creditors, collectors, and credit bureaus file misleading and unverifiable details into the system.

  • Debt Consolidation

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Boca Raton, FLFree Credit Evaluation
Lexington Law
Boca Raton, FLFree Credit Report Consultation
Sky Blue
5401 Broken Sound Blvd NW, Ste 202, Boca Raton, FL 33487
Boost Ur Credit
Coral Springs, FL 33065
433 Plaza Real Suite 275, Boca Raton, FL 33432
CL Credit Consulting
980 N Federal Hwy, Boca Raton, FL 33432
My Score Consultant
593 E Sample Rd, Pompano Beach, FL 33064
Liberty Credit Experts
3901 North Federal Highway #201, Boca Raton, FL 33431


  • How long does a repo stay on your credit report?

    A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

  • Do credit repair companies work?

    Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

  • How long does it take to repair credit?

    Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

    • Inaccurate late payment: 30-45 days
    • Inaccurate missed payment: 30-45 days
    • Numerous issues from multiple creditors: A few months
    • Fraud or identity theft: Several months to a year or more
    • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process
  • Can I repair my own credit?

    Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

  • Can credit repair companies remove charge offs?

    Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

  • Can credit repair companies remove bankruptcies?

    A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

  • Can a credit repair company remove late payments?

    Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

Related Articles


How To Hire A Credit Repair Company

Credit repair can improve your financial standing. Learn how to find a qualified credit repair expert who helps build up your...