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Best Credit Repair Companies in Boynton Beach

2023

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Website
Boynton Beach, FL
  • Credit Repair
  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (8763)
Yelp
2.5 / 5 (26)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Credit Evaluation

Lexington Law logo
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Lexington Law

Website
Boynton Beach, FL
  • Credit Repair
  • Consumer Credit Services

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Credit Report Consultation

Website
150 East Palmetto Park Road Suite 800, Boca Raton, FL 33432
  • Credit building
  • Credit Audit
  • CREDIT RESTORATION/REPAIR
  • Business Credit

Why choose this provider?

New You Financial Services caters to business owners and families in Boyton Beach. It helps clients build positive credit histories and provides means for them to create budgets and tools for their financial decision-making. The company educates consumers about the proper use of credit, as well as corrects or removes misleading, inaccurate, and outdated information from their credit reports. It conducts credit auditing, repair, and restoration. Stephen Leifer, the firm's CEO, is a member of the Credit Consultant’s Association.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Facebook
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5401 Broken Sound Blvd NW, Ste 202, Boca Raton, FL 33487
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

Sky Blue is a credit repair firm that has been catering to clients in Boynton Beach since 1989. It helps dispute information in credit reports, such as charge-offs, student loans, and repossessions. This helps increase credit scores so that clients can get loans with lower interest rates and smaller monthly payments. The firm also assists with opening new credit cards, drafting goodwill letters, and managing debt negotiations. Sky Blue uses a dedicated app where customer can monitor their progress.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (413)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1500 Gateway Blvd #220, Boynton Beach, FL 33426
  • Credit Monitoring

Why choose this provider?

Credimax is a credit repair company that has been serving clients in Boynton Beach and nearby areas for over a decade. It assigns a case analyst to personally work with each client throughout the process and create dispute letters on their behalf. The company helps remove negative items on credit reports, including collections, repossessions, public records, charge-offs, and inquiries. It also looks into personal information with credit bureaus. Credimax offers document preparation solutions for mortgage lending and real estate matters.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.3 / 5 (22)
Facebook
4.5 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6586 W. Atlantic Ave #1027, Delray Beach, FL 33446
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

Loyalty Lux Credit offers services to individuals and families in Boynton Beach. It provides credit repair solutions to help clients acquire their dream homes, businesses, and cars. The company assists debtors in improving their credit scores by removing bad records related to repossessions, bankruptcies, late payments, and tax liens. It works with credit agencies such as Experian, TransUnion, and Equifax. It also conducts monthly status updates and credit building and education. Loyalty Lux Credit has been in the industry since 2019.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
777 South Flagler Drive Suite 800 – West Tower, West Palm Beach, FL 33401
  • Credit Dispute

Why choose this provider?

Aleire Financial Solutions caters to clients in Boynton Beach. The company offers a wide range of services, including credit repair, budget analysis, debt resolution, and student debt relief. Its staff members consist of certified consumer debt specialists, arbitrators, and counselors. The company also offers attorney representation through its legal protection plan. It has partnered with various local businesses, including Valkyrie Image Photography and Global Client Solutions. Its founder, Sefena Cooper, has been in the credit repair industry since 2003.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (20)
Facebook
4.8 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
433 Plaza Real Suite 275, Boca Raton, FL 33432
  • Credit Monitoring

Why choose this provider?

Creditmergency caters to individuals in need of credit repair solutions in Boynton Beach and the neighboring areas. The company empowers its clients with financial knowledge that affects their purchasing power and credit scores. It works with credit companies and government agencies to assess and analyze errors on clients' credit reports and uses effective methods in verifying the details. CreditMergency's professionals apply their knowledge of the Fair Credit Billing Act and the Fair Credit Reporting Act in disputing errors and restoring credit scores.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Website
5455 North Federal Highway, Suite O, Boca Raton, FL 33487
  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Why choose this provider?

Elevated Credit Repair is a firm serving individuals in Boynton Beach and the surrounding locations. It helps clients rebuild credit to reach their financial goals, whether they are looking to apply for credit cards or make major purchases. Its credit restoration service involves going through reports from the three major bureaus and furnishing an analysis based on the review. Its team challenges inaccurate information and develops custom dispute action plans. The credit repair professionals also continuously monitor clients' scores.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (67)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
593 E Sample Rd, Pompano Beach, FL 33064
  • Credit Dispute

Why choose this provider?

My Score Consultant handles credit repair services to the Boynton Beach metro and the neighboring cities. It guides clients in restoring their credit reports by removing outdated errors and unverifiable information, such as inquiries, collections, tax liens, negative settlements, and charge-offs. It also handles negative credit scores involving bankruptcies, fraud, garnishments, foreclosures, and identity theft. The company's team focuses on multiple factors to determine credit scores, such as credit history, amounts owed, debt, and payment history.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (32)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5985 Timber Valley Dr,, Lake Worth, FL 33463
  • Credit Monitoring

Why choose this provider?

JDor Consulting is a credit repair company that caters to the residents of Boynton Beach and the surrounding areas. It offers solutions designed to help individuals, families, and businesses improve their credit profiles so they can be eligible to secure loans. The firm carries out assessments to identify and remove misleading, inaccurate, and negative information on clients' records such as collections, delinquent accounts, inquiries, and late payments. It also prepares necessary documents and deals with creditors on behalf of clients.

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Frequently Asked Questions

  • 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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