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Best Credit Repair Companies in Hialeah

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Buildworth Strategies logo
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Buildworth Strategies

14750 NW 77th Ct Ste 206, Miami Lakes, FL 33016
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  • Debt Consolidation
  • Credit Audit

Business Description

Founded in 2007, Buildworth Strategies is a credit repair company that serves individuals and businesses in Hialeah and neighboring areas. Its credit specialists help clients obtain a credit report from the three major credit bureaus and file a dispute to remove the negative items. They also educate the clients on the ways to build their credit scores. In addition, Buildworth Strategies offers other financial tools, such as debt elimination strategies, investments, and financial needs analysis.

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.
4.2
Google
4.2 / 5 (209)
Facebook
3.8 / 5 (30)

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
Credit 360 logo
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Credit 360

10664 Southwest 186th Street, Miami, FL 33157
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Business Description

Credit360, a financial services company in Miami, specializes in business consulting and credit restoration services. Its team of professionals near Hialeah analyzes credit reports, launches the rebuild process, and creates a definitive action plan. They aim to improve clients' credit information by providing convenient, personalized, and efficient service. The company's founder Andre Coakley has spent more than 16 years helping customers build good credit profiles, and has analyzed more than 100,000 credit reports.

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
Facebook
4.9 / 5 (86)
Google
4.9 / 5 (66)

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
Credit Repair Consultants logo
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Credit Repair Consultants

122 Hialeah Expressway, Miami, FL 33010
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Business Description

Located in Hialeah, Credit Repair Consultants is a credit repair company that helps clients improve their credit scores over time. It assists clients in disputing old, invalid, inaccurate, obsolete, misleading, or unverifiable charges on their credit accounts. Credit Repair Consultants employs lawful methods to assert clients' rights while liaising with credit bureaus on their behalf. The company has helped more than 20,000 customers improve their credit. Initial credit audits are available to help customers who are unsure where to begin.

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
5.0 / 5 (21)
Yelp
2.5 / 5 (7)
Facebook
1.0 / 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
Credit Repair Consultants logo
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Credit Repair Consultants

122 Hialeah Dr, Hialeah, FL 33010
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Business Description

Credit Repair Consultants is a credit repair company in Hialeah that scrutinizes credit reports for instances where credit bureaus and creditors have reported in error or where the rights of the consumer aren't protected. The company addresses issues such as charge offs, tax liens, and bankruptcies, as well as inaccuracies, misleading information, and obsolete and unverifiable information. Once derogatory information is removed, Credit Repair Consultants refers clients to a consultant who helps rebuild the credit score through products such as 100%-secured credit cards. Other services include finding debt consolidation products to improve cash flow and reduce the number of installments.

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.
4.5

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
Credit Repair Credit Doctor logo
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Credit Repair Credit Doctor

Miami, FL 33131
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Business Description

Credit Repair Credit Doctor is a team of Miami-based credit repair specialists that serves clients in Hialeah and the surrounding areas. Since 1996, this credit repair agency has been providing services such as credit repair, credit consultation, and debt settlement assistance to its clients. Credit Repair Credit Doctor focuses on helping individuals increase their credit scores by resolving financial issues that involve late payments, unpaid medical bills, foreclosures, repossessions, bankruptcy, and lawsuits.

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 (42)
Yelp
3.5 / 5 (3)
Facebook
5.0 / 5 (2)

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
Lemay’s Income Tax Service logo
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Lemay’s Income Tax Service

5190 NW 167th St Ste 107, Miami Lakes, FL 33014
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Business Description

Lemay's Income Tax Service provides clients with credit repair services near Hialeah. It helps individuals improve their credit scores, putting them in better positions to secure home or auto loans, borrow money, and negotiate lower interest rates. The company offers clients different credit restoration plans, all of which include reports and scores from the three main credit bureaus and insurance of up to $25,000 to cover losses due to identity theft. The professional team performs a credit report analysis, removes inquiries that can damage scores, and creates personalized portals for clients to view updated scores and communicate via a secure messaging system.

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
Google
4.7 / 5 (135)

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
––
Miami Credit Repair Company logo
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Miami Credit Repair Company

801 Brickell Ave ste 900, Miami, FL 33131
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Business Description

Located near Hialeah, the Miami Credit Repair Company specializes in debt elimination and credit repair. It offers three types of services tailored for different kinds of clients. The Premium Service is for individuals who have no charge offs or public records. The Diamond Service is for those who have charged-off accounts and original creditors. The VIP Bankruptcy Service is meant for clients with third-party collection accounts and bankruptcies. Established in 2009, this credit repair company guides individuals who are looking for an effective credit repair process.

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 (54)

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
MiamiCreditFix.Com logo
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MiamiCreditFix.Com

7105 SW 8th St #301, West Miami, FL 33144-4664
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Business Description

MiamiCreditFix.Com is a credit repair company located near Hialeah. Its team of credit specialists helps the company's clients fix their credit issues promptly using a thorough plan to avoid high-interest rates and bankruptcy. They evaluate clients' credit and identify the areas that caused their credit issues. They also investigate and contest credit information that is unverifiable or false based on consumer protection laws to guarantee that creditors and bureaus are filing information with accuracy. MiamiCreditFix.Com provides services with understanding, honesty, and maximum effort.

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
4.8 / 5 (59)

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
Prominent Financial Consultants logo
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Prominent Financial Consultants

2595 Northwest 27th Avenue, Miami, FL 33142
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Business Description

Located near Hialeah, Prominent Financial Consultants is a credit repair company that helps individuals fix their financial situations. The company has credit repair counselors who are ready to assist individuals with improving their credit scores. Prominent Financial Consultants offers credit education and also helps students start with good credit. They also assist victims of identity theft, helping them repair their credit by freezing their credit across all credit bureaus and enrolling them into credit monitoring services.

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
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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.

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.

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.

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