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Best Credit Repair Companies in Miami Gardens, FL

Our Recommended Top 12

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 Gardens 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.

91Reviewed

59Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Miami Gardens, FL

Expertise.com Rating

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

Lexington LawExpertise.com

Miami Gardens, FL
Free Credit Report Consultation

Expertise.com Rating

Review Sources

Facebook
4.3 (2911)
Yelp
1.0 (3)
Google
1.0 (2)

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

7105 SW 8 ST Suite 301, Miami, FL 33144

Expertise.com Rating

Why choose this provider?

MiamiCreditFix.Com provides solutions to the people of Miami Gardens and nearby areas. Its specialists assist individuals in improving their credit rankings and correcting errors on their records. They negotiate with credit bureaus and clients' lenders to dispute negative items on their credit reports that affect their scores. They also work with business owners seeking to avoid bankruptcy or high interest. In addition, the company's rent report team submits every on-time rental payment made by clients to the credit bureau, helping them improve their credit ratings.

  • Credit Monitoring

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

Expertise.com Rating

Review Sources

Facebook
5.0 (25)
Yelp
5.0 (6)

Why choose this provider?

Clean Slate Consulting Credit Repair offers credit repair solutions to individuals and businesses in Miami Gardens and the neighboring communities. The company reviews clients' credit scores from the three bureaus and develops a strategy to rebuild them, obtains permission to proceed with the process, and disputes credit entries that are wrong or negatively impact scores. It also continues to monitor the credit score. Clean Slate Consulting has helped resolve more than 7,500 credit disputes since its foundation.

  • Credit Dispute

9380 SW 72nd Street, Suite B207, Miami, FL 33173

Expertise.com Rating

Review Sources

Facebook
4.7 (28)
Google
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Credit Repair Systems, Inc., has been serving clients in Miami Gardens and the surrounding communities since 2001. The company caters to people from various financial backgrounds, improving their credit scores by disputing negative information from their credit reports. Its professionals are knowledgeable in removing late mortgage and car payments, collection accounts, and foreclosures. They utilize various credit repair strategies to eliminate these items and inform clients of their progress. The firm also handles bankruptcy claims.

  • Credit Monitoring

8200 NW 27th St #114, Doral, FL 33122

Expertise.com Rating

Review Sources

Google
4.9 (806)
Facebook
4.5 (23)

Why choose this provider?

Credit Supreme assists Miami Gardens residents in repairing their credit histories. Its experts begin with an assessment to identify negative items such as late payments, collections, repossessions, hard inquiries, and bankruptcies. The company files credit bureau disputes in order to remove information that is not verifiable, timely, or accurate. Customers receive updates via portal access and are educated on how to maintain a good credit score. Credit Supreme's team has a combined experience of more than 15 years in the industry.

  • Debt Consolidation
  • Credit Dispute

15291 NW 60th Ave #101, Hialeah, FL 33014

Expertise.com Rating

Review Sources

Google
4.2 (27)
Facebook
4.7 (12)
Yelp
2.0 (8)

Why choose this provider?

Credit Repair Consultants serves customers in Miami Gardens and its surrounding communities. Its credit repair specialist, customer service representatives, and support staff help clients improve their scores. The company offers solutions to the unresponsiveness and stalling tactics of credit bureaus. It uses its knowledge of the law to fight for people’s rights and challenge problems such as bankruptcies, tax liens, and charge-offs. Credit Repair Consultants has provided solutions to the credit issues of more than 20,000 clients.

  • Credit Audit

18117 Biscayne Blvd., Aventura, FL 33160

Expertise.com Rating

Why choose this provider?

Solvency Consulting serves clients in Miami Gardens and the surrounding areas. It provides credit repair services that help improve clients' chances of getting loans from banks. The firm also removes inaccurate information from credit reports, such as charge-offs, repossessions, and late payments. Solvency Consulting aims to educate the general public about debt management solutions that help them achieve financial freedom. The company uses its technical capability to assess the unique needs and financial situations of clients.

  • Credit Monitoring

11491 NW 27th Ave, Miami, FL 33167

Expertise.com Rating

Review Sources

Google
5.0 (37)

Why choose this provider?

Epic Credit Scores caters to customers nationwide offering a wide variety of online services with their central office located in the Miami Gardens metro area. It helps clients rebuild their credit and achieve their financial goals by offering credit repair services. It advocates on the clients' behalf and disputes incorrect items from their credit reports. Some of the items it removes are bankruptcies, collection accounts, foreclosures, judgments and liens, late payments, and repossessions. Epic Credit Scores brings more than 20 years of experience in the industry.

  • Credit Repair

11900 Biscayne Blvd. Ste 801, North Miami, FL 33181

Expertise.com Rating

Review Sources

Google
4.7 (1488)
Facebook
4.1 (113)
Yelp
2.6 (9)

Why choose this provider?

Safe Credit Solutions, Inc., caters to clients in Miami Gardens and the surrounding communities. It offers credit repair services to individuals, families, and businesses. The firm's owner and advisor, Alex Chavez, evaluates credit reports and removes unverifiable records such as collections, late payments, bankruptcies, repossessions, and foreclosures. He also assists clients in maintaining and improving their financial health through money management and debt management. Chavez can accommodate clients who speak Spanish. He has been in the industry for more than 10 years.

  • Credit Dispute

5911 NW 173rd Dr. Ste 17,18,19, Miami Gardens, FL 33015

Expertise.com Rating

Review Sources

Google
4.2 (209)
Facebook
3.8 (29)

Why choose this provider?

Buildworth Strategies is a credit repair company that serves clients in Miami Gardens. It offers solutions for personal and business credit restoration. The firm keeps the clients' best interest in mind, preparing and educating them the necessary credit knowledge. It removes negative items on clients' credit reports and provides monthly tips to increase their credit card limits and decrease utilization. The company has a mobile application that allows clients to access and monitor their account's progress. Its staff members can communicate in Spanish.

  • Credit Audit

10300 SW 72nd St, Suite 190, Miami, FL 33157

Expertise.com Rating

Review Sources

Facebook
4.9 (515)
Google
4.7 (255)
Yelp
5.0 (7)

Why choose this provider?

Real Clique Credit Repair assists residents and business owners in Miami Gardens and the surrounding areas. The company removes negative accounts from TransUnion, Equifax, and Experian. It also provides a personal assessment of what needs to be done to improve a client's credit profile and assists clients in building positive credit by developing a plan based on their spending habits. Before starting his own company, CEO Anthony Marquez worked for another credit repair company for more than six years.

  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Miami Gardens, FLFree Credit Evaluation
Lexington Law
Miami Gardens, FLFree Credit Report Consultation
MiamiCreditFix.Com
7105 SW 8 ST Suite 301, Miami, FL 33144
Clean Slate Consulting Credit Repair
9445 SW 40th Street, Suite 105, Miami, FL 33165
Credit Repair Systems, Inc.
9380 SW 72nd Street, Suite B207, Miami, FL 33173
Credit Supreme
8200 NW 27th St #114, Doral, FL 33122
Credit Repair Consultants
15291 NW 60th Ave #101, Hialeah, FL 33014
Solvency Consulting
18117 Biscayne Blvd., Aventura, FL 33160
Epic Credit Scores
11491 NW 27th Ave, Miami, FL 33167
Safe Credit Solutions Inc.
11900 Biscayne Blvd. Ste 801, North Miami, FL 33181
Buildworth Strategies
5911 NW 173rd Dr. Ste 17,18,19, Miami Gardens, FL 33015
Real Clique Credit Repair
10300 SW 72nd St, Suite 190, Miami, FL 33157

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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