Best Credit Repair Companies in Brandon

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Lexington Law logo
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Free Credit Report Consultation

Lexington Law

Brandon, FL

Business Description

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.
3.8
Facebook
4.3 / 5 (2869)
Yelp
1.5 / 5 (564)

Price: Free Credit Report Consultation

Be Financial logo
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Be Financial

410 Ware Blvd, Suite #819, Tampa, FL 33619
Visit WebsiteWebsite
  • Credit Audit

Business Description

Be Financial is a Tampa-based credit repair company that provides services to individuals and families in Brandon and the neighboring areas. It performs in-depth credit analysis and formulates strategies to identify incorrect and unverifiable items on all three credit bureau reports. It also files disputes on behalf of clients to correct these errors and provides monthly updates on the improvement. Additionally, the company advises on debt management strategies, credit education, and credit building tools. Be Financial also offers tax preparation services and life insurance consultations.

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 (19)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Delta Credit Restoration logo
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Delta Credit Restoration

1219 Millennium Parkway, Brandon, FL 33511
Visit WebsiteWebsite
  • Debt Consolidation
  • Credit Monitoring

Business Description

Delta Credit Restoration addresses the needs of clients in Brandon and nearby metros. The firm offers credit repair services by reviewing the clients' spending reports and creating a manageable budget to achieve financial stability. It utilizes the customers' consumer rights to remove inaccuracies in their reports with the credit bureau. The firm aims to eliminate items like late payments, repossessions, bankruptcies, collections, and charge-offs. It also offers annual protection plans and student loan and military members programs.

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 (65)
Facebook
5.0 / 5 (38)
Yelp
4.5 / 5 (8)

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
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Frequently Asked Questions

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.

How do you repair credit after identity theft?

Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Is credit repair legal?

Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

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