Expertise.com
2024

Last updated:

Best Credit Repair Companies in Clearwater

Our Recommended Top 8

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 Clearwater 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.

87

Reviewed

55

Curated

8

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

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 (8774)
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
FEATUREDExpertise.com

Lexington Law

Clearwater, FL
  • Consumer Credit Services
  • Credit Repair

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
Facebook
4.3 / 5 (2911)

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
1301 Seminole Boulevard, Largo, FL 33770
  • Debt Consolidation
  • Credit Monitoring

Why choose this provider?

National Family Financial Solutions, Inc., offers credit repair services to clients in Clearwater. It offers debt management, debt consolidation, and credit counseling to aid with dues, such as medical bills, personal loans, credit card accounts, and select installment loans. National Family also offers debt management processing services to alleviate backend tasks for debt management companies. It has been commended by clients for helping them secure home equity lines, repay creditors, and improve audit 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 (1)

Website
2451 North McMullen Booth Road, Clearwater, FL 33759
  • Credit Audit

Why choose this provider?

Carolyn Secor, P.A. is a bankruptcy lawyer and credit repair specialist that operates in Clearwater. Practicing since 2001, she can analyze previous credit records and statements of first-time and tenured cardholders. Carolyn can search for unverified, inaccurate, and unpaid debts. She then guides her clients on resolving these through credit disputes or filing for bankruptcy. Throughout the process, Carolyn teaches each client about state and federal laws regarding credit scores. Additionally, she can file and process chapter 7, chapter 11, and chapter 13 bankruptcy.

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
Google
4.0 / 5 (64)
Facebook
5.0 / 5 (1)
Yelp
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
4023 North Armenia Avenue, Tampa, FL 33607
  • Credit Dispute

Why choose this provider?

Elite Credit Solutions offers credit repair services in Clearwater to help improve its clients' credit scores and reach their financial goals. It deals with creditors and credit bureaus to challenge negative report items and has an accessible system that lets its clients keep track of reports and status updates. In addition to raising credit scores, Elite Credit Solutions also gives advice and guidance on how to maintain a good credit score in the long run.

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
Google
4.0 / 5 (50)
Facebook
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

Website
7 Water Street, Tampa, FL 33602
  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Why choose this provider?

Tampa Credit Repair Pros caters to clients in Clearwater and the surrounding areas. The business's experts team up with the client during consultation to look into their account and devise a plan to optimize and improve their credit score. They aim to remove any inaccurate marks in the credit, including bankruptcy, tax liens, and charge-offs. They advise clients on factors that could harm their credit ratings, such as late payments, failure to pay bills, and zero-balance accounts.

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 (11)

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
7616 West Courtney Campbell Causeway, Tampa, FL 33607
  • Credit Dispute

Why choose this provider?

Credit1 is a full-service credit repair and restoration firm that serves individuals in Clearwater as well as its neighboring areas. With over two decades of industry experience, its team assists clients in restoring their credit rating through personalized consultations, accurate representation, and ongoing education. Its credit repair process includes deleting bad credit records incurred from student loans, collections, repossessions, medical bills, and tax liens. In addition, the firm has worked with reputable companies such as Keller Williams, RE/MAX, and Coldwell Bankers.

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.
4.7
Facebook
5.0 / 5 (90)
Google
4.0 / 5 (42)

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
25400 US Highway 19 North, Clearwater, FL 33763
  • Debt Consolidation

Why choose this provider?

Super Credit Repair is a credit score repair company that assists clients in achieving good credit health, which helps clients save money with better loan terms, lower insurance premiums, and lower interest rates. The professionals from the firm guide clients throughout the credit repair process. They are led by Jay Weller, the president of the company and the Weller Legal Group, which represents debtors in debt consolidation programs, debt settlements, and bankruptcy proceedings. Offering its services nationally, Super Credit Repair is located in Clearwater.

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

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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