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2024

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Best Credit Repair Companies in Miami, FL

Our Recommended Top 18

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 Miami 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.

306Reviewed

190Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

PO Box 110, Miami, FL 33101

Expertise.com Rating

Review Sources

Google
4.8 (5317)
Yelp
2.5 (23)

Why choose this provider?

Credit Saint is a New Jersey-based credit restoration company that services clients from and around Miami. For over 15 years, the company has been dedicated to the mission of educating clients about credit. Credit Saint understands that credit damage is not the only thing that affects credit scores, which is why the company assists clients in improving them by challenging the inaccurate, incomplete, or unverifiable items from their credit reports.

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

Lexington LawExpertise.com

Miami, FL
Free Credit Report Consultation

Expertise.com Rating

Review Sources

Facebook
4.3 (2911)
Yelp
1.0 (3)

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

11420 N Kendall Dr Suite 207-15, Miami, FL 33186

Expertise.com Rating

Review Sources

Google
4.3 (40)
Facebook
3.9 (25)

Why choose this provider?

Executive Credit in Miami offers credit repair services for its clients. It offers credit consultations and in-depth credit analyses for clients who need assistance in repairing and improving their credit scores. Its team challenges negative items with creditors and credit bureaus such as TransUnion and Equifax. Clients have access to their accounts 24/7, allowing them to view live updates on the progress of their credit scores. In addition to credit repair, Executive Credit provides education on credit score maintenance.

  • Credit Audit

333 SE 2nd Ave, Suite 2000, Miami, FL 33131

Expertise.com Rating

Review Sources

Google
5.0 (17)
Facebook
5.0 (11)
Yelp
5.0 (6)

Why choose this provider?

Credit Cleaner has been serving individuals in and around the Miami area since 2019. With an aim to help consumers improve their financial lives and give clients equal opportunities to obtain financial freedom, it offers credit repair services, which involve correcting inaccurate, unverifiable, and outdated credit record details from foreclosures, late payments, bankruptcy, public records, and collections. Its team is able to serve clients across the country with the help of its partners, which have more than 13 years of experience.

9445 SW 40th St Ste 105, Miami, FL 33165

Expertise.com Rating

Review Sources

Google
5.0 (27)
Facebook
5.0 (23)
Yelp
5.0 (4)

Why choose this provider?

Clean Slate Consulting Credit Repair, a Miami based credit repair and financial consulting company, has differentiated itself from the rest by going a step further. They help people struggling with their credit and finances by giving them expert advice and guidance. Its knowledgeable consultants analyze credit reports, before signing up anyone, to determine the best direction to take, which might not be Credit Repair. Their 12-month program aims to remove all the outdated, erroneous, incomplete and unverifiable information from the credit reports but at the same time they restore the client’s credit and monitor them through-out the process. What makes them a leader in the industry and the most valuable thing they do is Credit Education. They teach their clients exactly how credit works and how to use it correctly. To top it off, Clean Slate Consulting, through partnering with The Buddies’ Network, helps realize many of the clients dreams by getting them to their goals such as purchasing a car, home, refinancing or getting business financing.

9380 SW 72nd St Ste 207, Miami, FL 33173

Expertise.com Rating

Review Sources

Google
4.4 (7)
Yelp
5.0 (1)

Why choose this provider?

Credit Repair Systems, “CRS ”was founded by Odalys Puig owner and operator since 2003. CRS is a full-service credit repair company in Miami with many years of experience, extensive knowledge of the Consumer and Fair Credit Laws, as well as a complete understanding of how credit reporting really works. During our free consultation, our credit experts will explain how credit reporting works, what we do, how we do it, and answer any questions they may have. Once they decide to come aboard, we will provide our clients with monthly evaluations & recommendations. Our 10-month program consists of monthly monitoring, disputes, evaluations, re-establishing credit, and recommendations. We will use any/all Consumer and Fair Credit laws to help remove negative, misleading, incomplete, outdated, and unverifiable items found on their credit reports. If we do what we say, and you follow our recommendations & advice there is no reason why you should not have cleaner credit reports and high scores by the end of the program.

300 SE 2nd St Suite 600, Fort Lauderdale, FL 33301

Expertise.com Rating

Review Sources

Google
4.9 (74)
Facebook
5.0 (34)

Why choose this provider?

Lineup Credit Repair serves clients in Miami and the surrounding areas. The company helps clients increase their credit ratings by removing unverifiable and inaccurate information including credit card debt, late payments, tax liens, foreclosures, bankruptcy, and repossessions from their credit reports. Clients are assisted by experienced case advisers to build credit through customized credit improvement programs. Case advisers also provide tools to educate clients on how to maintain their credit ratings. Lineup Credit Repair is affiliated with FCRA attorneys to defend the rights of clients against non-compliant credit bureaus.

  • Credit Monitoring

Miami, FL

Expertise.com Rating

Review Sources

Google
5.0 (152)
Facebook
5.0 (40)
Yelp
5.0 (3)

Why choose this provider?

Credit Right is a credit repair service in Miami. It fine-tunes and repairs credit on behalf of customers to help them attain their financial goals such as starting up businesses and property rentals and purchases. Its team deals with inaccurate information that negatively affects credit scores, including bankruptcies, judgments, late payments, collection and charged-off accounts, and unauthorized inquiries. It also offers credit education, assists with credit rebuilding, and works with credit bureaus to correct personal data.

  • Credit Monitoring

10300 SW 72nd St Suite 190, Miami, FL 33173

Expertise.com Rating

Review Sources

Facebook
4.9 (541)
Google
4.8 (279)
Yelp
4.5 (12)

Why choose this provider?

Real Clique Credit Repair is a Miami-based business that specializes in credit score improvement services. It assigns a personal credit specialist to each client, who will create tailored credit repair plans and dispute negative items with credit bureaus. In addition to removing negative items, the credit repair professional also educates clients about credit wellness and management. Real Clique Credit Repair also serves clients looking to build their sparse credit. Its co-founder Anthony Marquez has over six years of trade experience.

  • Credit Dispute

14750 NW 77th Ct Ste 206, Miami Lakes, FL 33016

Expertise.com Rating

Review Sources

Google
4.2 (209)
Facebook
3.7 (28)
Yelp
1.0 (2)

Why choose this provider?

Founded in 2015, Buildworth Strategies provides credit repair services to individuals and businesses in Miami. Its team of credit repair specialists helps clients accomplish their financial goals by providing credit counseling and credit report audit that helps customers get better credit ratings and improved FICO scores. Buildworth Strategies also equips its customers with tools and resources about the credit formula as it believes in the importance of credit knowledge and awareness. The company also offers services to Spanish-speaking customers.

  • Credit Audit

1000 Nw 1st Ave Apt 1210, Miami, FL 33136

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

Credit Roadrunner of Miami offers credit repair and restoration services to clients in the local metro. Whether clients are looking to secure a home or car loan, it provides assistance in the credit repair process, which involves challenging negative items such as late payments, foreclosures, and repossessions. Its team also disputes incorrect information that concerns addresses, names, and employment history, and its credit repair specialists also question unapproved credit inquiries. Credit Roadrunner of Miami's employees have more than 40 years of collective industry experience.

  • Credit Monitoring

18901 SW 106th Ave #233, Cutler Bay, FL 33157

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

Credit Ready Repair is a business in Cutler Bay that serves the Miami area. Equipped with knowledge of consumer, mortgage, and business credit, it provides credit repair services, which involve raising disputes with creditors and credit bureaus to address negative report items. Clients will be in touch with a designated credit professional throughout the process. They also have round-the-clock access to their accounts, allowing them to view credit score updates in real time. Credit Ready Repair has nearly two decades of experience in the industry.

  • Credit Audit

10511 SW 40th St, Miami, FL 33165

Expertise.com Rating

Review Sources

Yelp
3.0 (2)
Google
5.0 (1)

Why choose this provider?

Miami Credit Repair has been serving clients in the metro since 1993. It provides one-on-one credit repair services and covers different credit cases, such as identity thefts, outstanding medical bills, charge-offs, repossessions, and mounting credit card debts. It helps clients navigate the entire credit repair process. This includes determining the relevant credit reporting agency, providing credit rebuilding support, and delivering the solution specific to a client's case. The company has bilingual staff members who are fluent in English and Spanish.

12605 NE 13th Ave, North Miami, FL 33161

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Credit Xperts is a national credit repair company based in Miami. The business caters to clients who are dealing with mortgage correction, judgments, bankruptcies, student loans, and identity theft. It also helps customers raise their credit scores by removing negative items, such as late payments and collections. Additional services from the company include helping individuals control their finances and maintain a healthy credit profile by implementing sound strategies and repairing past credit problems.

3100 Timmons Lane, Houston, TX 77027

Expertise.com Rating

Review Sources

Google
4.6 (99)
Facebook
4.8 (90)
Yelp
4.5 (17)

Why choose this provider?

Impeccable Credit Services provides credit restoration services for individuals and businesses in Miami and the nearby areas. Its credit repair program focuses on fixing negative and inaccurate accounts such as late payments, tax liens, student loans, foreclosures, and repossessions from a client's report to improves credit scores. Its team of representatives assists clients in understanding what factors banks assess and value. Impeccable Credit Services can dispute inaccurate accounts on credit reports such as charge-offs, foreclosures, bankruptcy, and late payments.

Miami, FL

Expertise.com Rating

Why choose this provider?

Credit Strike caters to business owners, families, and individuals in Miami and nearby locations. It provides credit repair services to help clients resolve their bad credit history resulting from bankruptcy, late payments, charge-offs, and credit inquiries. The agency also offers credit repair management solutions to allow them to achieve their financial goals and obtain their dream homes, enterprises, merchandise, and vehicles. Its team works with various credit bureaus, including Experian and Equifax. Customers can access an online portal to monitor their credit history.

  • Credit Dispute
  • Credit Audit
  • Credit Monitoring

150 SE 2nd Ave Penthouse 2, Miami, FL 33131

Expertise.com Rating

Review Sources

Facebook
5.0 (29)
Google
5.0 (8)

Why choose this provider?

RepairMyCreditScores has been in business for over 20 years. It provides credit repair services to clients in Miami, South Miami, Pembroke Pines, Orlando, and Los Angeles. The company assists consumers in correcting poor credit by submitting disputes with national credit bureaus. Other services include inquiry removal and credit card application assistance. RepairMyCreditScores has helped private individuals, celebrities, and high-profile clients across the US and its unincorporated territories, such as Puerto Rico and the US Virgin Islands.

  • Credit Repair
  • Credit Restoration
  • Guaranteed Results

7750 Okeechobee Boulevard, West Palm Beach, FL 33411

Expertise.com Rating

Review Sources

Google
4.1 (455)
Yelp
2.0 (32)

Why choose this provider?

The Credit Pros is a team of credit report specialists serving the Miami area. They educate clients on the helpful and harmful credit report items with an aim to help them better understand their credit scores. Furthermore, the professionals take care of sending debt validation and goodwill letters to creditors as well as cease and desist letters to collection agencies. Company owner Jason M. Kaplan, Esq. spent 10 years in developing and refining methods and studying each credit law.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
PO Box 110, Miami, FL 33101Free Credit Evaluation
Lexington Law
Miami, FLFree Credit Report Consultation
Executive Credit
11420 N Kendall Dr Suite 207-15, Miami, FL 33186
Credit Cleaner
333 SE 2nd Ave, Suite 2000, Miami, FL 33131
Clean Slate Consulting Credit Repair
9445 SW 40th St Ste 105, Miami, FL 33165
Credit Repair Systems, Inc.
9380 SW 72nd St Ste 207, Miami, FL 33173
Lineup Credit Repair
300 SE 2nd St Suite 600, Fort Lauderdale, FL 33301
Credit Right
Miami, FL
Real Clique Credit Repair
10300 SW 72nd St Suite 190, Miami, FL 33173
Buildworth Strategies
14750 NW 77th Ct Ste 206, Miami Lakes, FL 33016
Credit Roadrunner of Miami
1000 Nw 1st Ave Apt 1210, Miami, FL 33136
Credit Ready Repair
18901 SW 106th Ave #233, Cutler Bay, FL 33157
Miami Credit Repair
10511 SW 40th St, Miami, FL 33165
Credit Xperts
12605 NE 13th Ave, North Miami, FL 33161
Impeccable Credit Services
3100 Timmons Lane, Houston, TX 77027
Credit Strike
Miami, FL
RepairMyCreditScores
150 SE 2nd Ave Penthouse 2, Miami, FL 33131
The Credit Pros
7750 Okeechobee Boulevard, West Palm Beach, FL 33411

FAQs

  • 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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