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2024

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Best Credit Repair Companies in Miami Beach, FL

Our Recommended Top 9

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 Beach 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.

73Reviewed

47Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1000 Brickell Ave Ste 715, Miami, FL 33131

Expertise.com Rating

Review Sources

Facebook
5.0 (87)
Google
5.0 (18)

Why choose this provider?

Florida Credit Firm works with individuals in Miami Beach who need their credit scores fixed. Since 2015, the local business has worked with clients throughout the country who need help in getting their credit issues solved, providing guidance to achieve and maintain better personal or business credit. Florida Credit Firm uses the FDCPA (Fair Debt Collection Practices Act) and FCRA (Fair Credit Reporting Act) laws to challenge derogatory or negative information, assisting clients in the Dispute Process to maximize the results.

  • Credit Counseling Services

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

Expertise.com Rating

Review Sources

Google
5.0 (14)
Facebook
5.0 (11)

Why choose this provider?

Credit Cleaner has been providing services to residents of the Miami Beach area and the surrounding metros since 2019. It aims to extend its services to other parts the world to help more individuals and families achieve financial freedom through credit repair. The company improves clients' credit histories, giving them the opportunity to acquire their dream properties and cars. Its specialists remove bad credit records related to collections, bankruptcy, foreclosures, late payments, and public records. Credit Cleaner is certified by the Credit Consultants Association.

  • Credit Monitoring
  • Credit Audit

7105 SW 8 St Suite 301, Miami, FL 33144

Expertise.com Rating

Review Sources

Google
4.7 (76)
Yelp
3.0 (2)

Why choose this provider?

Miami Credit Fix caters to the financial needs of individuals in Miami Beach and the surrounding locations. The company provides clients with various services, which include assisting them in repairing their credit scores. Its credit specialists carry experience performing credit assessments, determining the items on their reports that may harm their credit, and developing comprehensive plans to resolve their credit problems. Miami Credit Fix understands the unfortunate experience of having derogatory credit and aims to help clients through honesty and maximum effort.

  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

9445 SW 40th Street. Suite 105, Miami, FL 33165

Expertise.com Rating

Review Sources

Facebook
4.9 (35)
Google
5.0 (33)
Yelp
5.0 (4)

Why choose this provider?

Clean Slate Consulting Credit Repair helps clients in Miami Beach and the surrounding areas regain financial independence. Its team helps clients improve their credit scores by evaluating their records across three bureaus, filing discrepancy disputes, developing credit rebuilding strategies, and monitoring their progress over an eight-month period. The company has resolved more than 7,500 disputes and restored more than 9,000 credit points. Clean Slate Consulting has been in the credit repair industry for almost five years.

  • Debt Consolidation
  • Credit Monitoring
  • Credit Audit

111 NE 1st Street 8th Floor #1007, Miami, FL 33132

Expertise.com Rating

Review Sources

Google
5.0 (68)

Why choose this provider?

CredFixx provides credit restoration services in Miami Beach and the surrounding areas. It aims to help families and individuals improve their credit scores to achieve financial stability. The company assists clients in filing disputes, appeals, and requests for data validation. Its specialists remove negative credit reports such as bankruptcies, repossessions, and late payments. They create strategies to reestablish debtors' good credit status. CredFixx works with various credit reporting agencies, such as Equifax, Experian, and TransUnion.

  • Credit Audit

323 Sunny Isles Blvd, Suite 700, Sunny Isles Beach, FL 33160

Expertise.com Rating

Review Sources

Facebook
4.9 (28)

Why choose this provider?

Credit Servicez is a national company that serves individuals and small businesses in Miami Beach and the surrounding areas. Its team provides personalized credit consultations, report audits, and evaluations for all accounts, as well as score evaluations and solution recommendations. It assists clients in improving their TransUnion, Equifax, and Experian credit scores. Debt negotiation services are also available. Founder Solomon Algazi is a nationally recognized credit education expert who has more than decades of experience.

  • Credit Monitoring

801 Brickell Ave, Miami, FL 33131
Website

Expertise.com Rating

Review Sources

Facebook
5.0 (31)
Google
4.8 (10)

Why choose this provider?

Since 2009, Miami Credit Repair has been helping consumers in Miami Beach and the neighboring areas. It offers a wide array of services, including debt settlement and credit rehabilitation, as well as consulting and resolution of ID theft. It also handles repossessions, bankruptcies, inquiries, late payments, and student loan consolidation difficulties. It employs a variety of approaches, including the premium, diamond, and VIP bankruptcy processes. In addition, the corporation has an affiliate and broker network through which businesses may benefit from referrals.

  • Debt Consolidation

2665 S Bayshore Drive, Suite #220, Miami, FL 33133

Expertise.com Rating

Review Sources

Facebook
5.0 (46)
Google
4.6 (9)

Why choose this provider?

Crown Credit and Debt Solutions assists people in Miami Beach. It assists clients who want to buy a home or a car, or who want to get their finances in order, by providing credit and financial solutions. Its team offers credit repair services to clients, assisting them in rebuilding and restoring their credit standing. Its team examines credit reports and challenges negative items. It also provides financial literacy, a student loan program, and business credit services. Clients have access to a credit monitoring portal 24/7.

  • Credit Monitoring

150 SE 2nd Ave STE 1001, Miami, FL 33131

Expertise.com Rating

Review Sources

Facebook
5.0 (19)
Google
5.0 (3)

Why choose this provider?

Credit Score Restore caters to customers in the Miami Beach metro and the surrounding areas. It helps clients rebuild their creditworthiness and improve their scores by offering credit repair solutions. Its process involves pulling credit reports and identifying negative items, conducting an audit and filing disputes, restoring the clients' credit profile, providing protection against creditors violating the FDCPA, and administering a final credit interview. Credit Score Restore has been in the business for over 15 years.

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Florida Credit Firm
1000 Brickell Ave Ste 715, Miami, FL 33131
Credit Cleaner
333 SE 2nd Ave, Suite 2000, Miami, FL 33131
Miami Credit Fix
7105 SW 8 St Suite 301, Miami, FL 33144
Clean Slate Consulting Credit Repair
9445 SW 40th Street. Suite 105, Miami, FL 33165
CredFixx
111 NE 1st Street 8th Floor #1007, Miami, FL 33132
Credit Servicez
323 Sunny Isles Blvd, Suite 700, Sunny Isles Beach, FL 33160
Miami Credit Repair
801 Brickell Ave, Miami, FL 33131
Crown Credit and Debt Solutions
2665 S Bayshore Drive, Suite #220, Miami, FL 33133
Credit Score Restore
150 SE 2nd Ave STE 1001, Miami, FL 33131

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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