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Best Credit Repair Companies in Lakeland, FL

Our Recommended Top 7

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 Lakeland 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.



7Top Picks

Learn about our selection process.


featured provider = Featured Provider

Lakeland, FL Rating

Review Sources

4.8 (8774)
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 building
  • Credit Audit
  • Credit Restoration
  • Money Back Guarantee
  • Credit Repair
Lexington Law logo


Lakeland, 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.

  • Consumer Credit Services
  • Credit Repair

1219 Millennium Parkway, Brandon, FL 33511 Rating

Review Sources

4.9 (77)
5.0 (69)

Why choose this provider?

Delta Credit Restoration has been serving small businesses and individuals in Lakeland and nearby areas since 2010. It provides individual credit restoration and long-term credit repair services. It follows FHA and SBA guidelines, which are the same guidelines used by banks and loan officers. It also implements financial safeguards to keep customers from becoming repeat customers. The firm caters to clients who need credit repair in order to obtain home loans or recover from identity theft.

  • Debt Consolidation
  • Credit Monitoring

2803 West Busch Blvd Suite 210, Tampa, FL 33618 Rating

Review Sources

5.0 (148)
4.2 (20)

Why choose this provider?

National Credit Federation assists Lakeland residents in improving their credit scores. The company offers custom credit repair programs, and it educates clients on matters concerning healthy credit standings. It also helps them by disputing inaccurate and unverifiable entries with credit bureaus and agencies. In addition, the firm provides personalized credit score blueprints, online budgeting tools, and 24/7 access to its online portal. Herschel Bentley, the firm’s founder, has over 30 years of industry experience. He has been featured in CBS MoneyWatch, Boston Herald, and Forbes.

  • Debt Consolidation
  • Credit Monitoring
  • Credit Audit

5323 Millenia Lakes Blvd Suite 300, Orlando, FL 32839 Rating

Review Sources

5.0 (28)
4.1 (14)

Why choose this provider?

OpenSky Credit Repair serves individuals and businesses in and around the Lakeland area. It helps clients achieve financial goals, whether they are looking to qualify for credit card applications or purchase homes, through credit restoration, education, and building. Its credit repair service involves challenging and removing inaccurate and unverifiable items such as charge-offs, repossessions, late payments, and inquiries. It offers different packages to cater to clients' unique needs. One of them includes two direct-to-creditor disputes and a debt elimination plan.

  • Debt Consolidation

P.O. Box 7042, Lakeland, FL 33807 Rating

Why choose this provider?

Credit Up Scores is a credit repair company assisting clients in the Lakeland metro and nearby cities get back on financial track. Its team performs credit monitoring and in-depth analysis, asking clients to provide reports from various credit bureaus. It also corrects, update, and remove misleading and inaccurate items like late pays, tax liens, short sales, bankruptcies, and foreclosures. Credit Up Scores assists individuals, couples, and families by providing a step-by-step guide on how to rebuild and restore credit scores.

  • Credit Monitoring
  • Credit Dispute

3502 Henderson Blvd, Tampa, FL 33609 Rating

Review Sources

5.0 (6)

Why choose this provider?

Score Bump assists Lakeland residents with credit repair. It collaborates with credit bureaus to provide individual and couple credit analyses, allowing clients to challenge inaccurate items added to their database and initial audit reports. It also offers dispute letter creation and 24-hour online account access. The company focuses on guiding clients through the process and constantly educating them on how to improve and restore their financial scores in a sustainable manner. Its services extend to business funding and financial coaching by a Ramsey Master Financial Coach.

  • Credit Monitoring
  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Lakeland, FLFree Credit Evaluation
Lexington Law
Lakeland, FLFree Credit Report Consultation
Delta Credit Restoration
1219 Millennium Parkway, Brandon, FL 33511
National Credit Federation
2803 West Busch Blvd Suite 210, Tampa, FL 33618
OpenSky Credit Repair
5323 Millenia Lakes Blvd Suite 300, Orlando, FL 32839
Credit Up Scores
P.O. Box 7042, Lakeland, FL 33807
Score Bump
3502 Henderson Blvd, Tampa, FL 33609


  • 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.

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