Expertise.com

Best Credit Repair Companies in Jacksonville

2024

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Providers

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

Why choose this provider?

Credit Saint is a credit repair company in Jacksonville that offers comprehensive programs that are tailored to meet specific needs. Its professionals educate the clients on the process of repairing the credit and offer different levels of packages that fit their situation. They start by monitoring the client's credit and analyzing the credit history to determine the items that are damaging it. Credit Saint also analyzes the positive credit to help clients strategize and restore credit.

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 (5317)
Yelp
2.5 / 5 (23)

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

Jacksonville, 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

Price: Free Credit Report Consultation

Website
6501 Arlington Expy B105 Ste 5006, Jacksonville, FL 32211
  • Credit Monitoring

Why choose this provider?

Optimal Credit Repair Solutions serves clients in Jacksonville. It rebuilds, restores, and raises a person's credit score through different packages of solutions for individual and married customers. All plans include unlimited disputes of errors in the credit report, monthly reports, and digital financial planner. Its agents analyze reports and profiles of customers to spot items that could be challenged. It partners with MyScoreIQ the leader in credit monitoring which helps their clients stay on top of their FICO® Scores to help them reach their credit goals by allowing them to view the scores lenders use when financing. The company has been in business for over four years.

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)
Google
5.0 / 5 (17)

Website
234 Oceanway Ave, Jacksonville, FL 32218

Why choose this provider?

Credit Justice Services is a credit report verification and repair agency that provides fast credit repair services for clients in Jacksonville. Its consultants use state-of-the-art software to ensure sufficient credit cleanup from clients' reports, and they develop a network of solutions for consumers experiencing unwarranted credit problems. The firm helps individuals address late payments, collections, charge-offs, bankruptcies, judgments, and liens marked on their credit reports. The company also assists with repossessions, foreclosures, identity fraud, and incorrect personal information. Credit Justice Services establishes long-term relationships with clients by implementing legal methods to improve their credit scores. During the repair process, clients can access their files in real time.

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
Facebook
4.2 / 5 (5)
Google
5.0 / 5 (2)

Website
7643 Gate Parkway Ste 104-682, Jacksonville, FL 32256
  • Credit Dispute

Why choose this provider?

Dispute Queen LLC provides credit repair solutions to the residents of Jacksonville and nearby areas. Its goal is to help people achieve financial freedom through credit repair, education, and financial literacy. It works with credit bureaus to challenge the negative report items that may impact credit scores. It also gives real-time status updates on credit reports and scores. The team offers assistance through each step of the credit repair process and prepares all necessary documents required by credit agencies.

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
4.7 / 5 (30)
Facebook
5.0 / 5 (24)

Website
40 E Adams St Ste 120, Jacksonville, FL 32202

Why choose this provider?

Founded in 1955, Family Foundations provides credit repair services in Jacksonville to help boost the financial potential of both individuals and families. Initially, the organization served low-income families and couples going through divorces. Over the years, however, it transformed to offer mental health counseling and financial wellness services, including credit counseling. Its certified financial counselors provide clients with merged credit reports, review their credit scores and payment histories, and make recommendations on how to reestablish credit. The staff also disputes inaccurate credit report entries and works with clients to help them achieve financial goals. A member agency of the National Foundation for Credit Counseling, Family Foundations offers bankruptcy counseling.

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
4.8 / 5 (6)

Website
8665 Baypine Road Suite 100, ​Jacksonville, FL 32256
  • Credit Audit

Why choose this provider?

AM Credit Repair helps clients in the Jacksonville metro reach their credit goals and achieve lower interest rates. It offers credit repair services to remove items such as foreclosures, identity theft, charge-offs, evictions, student loans, and bankruptcy. Its services include consultations and recommendations, coordination with credit bureaus and creditors, and real-time tracking of credit reports and scores. Through the company's personalized solutions, founder Aaron Streater endeavors to assist clients in building their lives after credit problems.

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 (31)
Facebook
5.0 / 5 (14)

Website
13014 N Dale Mabry Hwy Ste 211, Tampa, FL 33618

Why choose this provider?

Consolidation Resource LLC is a credit repair and counseling service provider that serves the greater Jacksonville area. It helps clients repair their credit to access funds for essential purchases, such as homes and cars, as well as assisting them in planning for the future with retirement savings. The firm handles defaulted loans, court judgments, bankruptcy, medical bills, and other financial situations that negatively impact clients' credit scores and render them ineligible for mortgages and significant loans. Through one-on-one sessions with its consumer credit counselors, clients benefit from customized workable solutions that improve their credit scores. Consolidation Resource helps clients with debt management plans, educating them about financial management techniques to help maintain their credit score.

Website
Jacksonville, FL
  • Credit Dispute

Why choose this provider?

Jacksonville Credit Repair Pros is a firm that assists individuals looking to finance purchases, buy residential properties, and qualify for loans. Its credit repair service involves reviewing clients' credit reports from TransUnion, Experian, and Equifax and challenging negative items such as charge-offs, tax liens, and bankruptcy. The credit repair professionals also handle the sending of letters to creditors. Additionally, its team makes requests to validate credit data. They also educate clients on items that negatively impact 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

Website
2350 Park St, Jacksonville, FL 32204

Why choose this provider?

Founded in 2003, the Law Offices of Keith D. Collier credit repair agency in Jacksonville serves homes and businesses with credit restoration services. The firm's experienced lawyers help clients gain control of their financial situations by handling creditor harassment, tax levies, wage garnishments, foreclosure, auto repossession, and garnishment lawsuits. They assist with consumer and corporate bankruptcy, home loan modifications, debt settlement, and related legal services regarding debt. The firm helps clients file for bankruptcy in cases when debt negation fails. Through debt protection, the Law Offices of Keith D. Collier saves homes and sets businesses on a successful path to financial recovery.

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.
4.1
Google
4.2 / 5 (55)
Yelp
2.0 / 5 (3)

Website
1740 Abel Ln,, Jacksonville, FL 32254
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

Jacksonville Credit Repair Services is a company serving individuals in the metro and nearby areas. It has been offering credit repair services to clients for the past nine years, involving repossessions, tax liens, late payments, charge-offs, and bankruptcies. The company also provides debt settlement services, credit reporting and monitoring services, real estate credit repair, and increasing the credit limit of clients. Jacksonville Credit Repair Services strives to help rebuild and manage credit scores that can affect present loan applications and future employment opportunities.

Website
2120 Corporate Square Blvd, Jacksonville, FL 32216

Why choose this provider?

Jacksonville Housing-Credit is a credit repair company in Jacksonville that provides residents with a comprehensive approach to improving their credit ratings. It assists with credit restoration and counseling, foreclosure prevention, predatory lending, budgeting, and savings plans. Clients benefit from post-purchase counseling, mortgage readiness evaluations, and senior housing counseling and education, among other consumer-related issues. The staff educates the businesses and the community regarding finances and buying power. President Harold J. Riley is a certified credit counselor with over 19 years of experience in the areas of financial literacy and mortgage default counseling. Jacksonville Housing-Credit is a member of the National Association of Housing Counselors and Agencies.

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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