Best Credit Repair Companies in Jacksonville

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Credit Repair Companies FAQs

Learn more
Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

Jacksonville, FL
Visit WebsiteWebsite

Business Description

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
FEATURED
Free Credit Report Consultation

Lexington Law

Jacksonville, 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.
4.3
Facebook
4.3 / 5 (2869)
Google
4.0 / 5 (153)

Price: Free Credit Report Consultation

AM Credit Repair logo
Visit WebsiteWebsite

AM Credit Repair

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

Business Description

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)
Consolidation Resource, LLC logo
Visit WebsiteWebsite

Consolidation Resource, LLC

13014 N Dale Mabry Hwy Ste 211, Tampa, FL 33618
Visit WebsiteWebsite

Business Description

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.

Credit Justice Services logo
Visit WebsiteWebsite

Credit Justice Services

234 Oceanway Ave, Jacksonville, FL 32218
Visit WebsiteWebsite

Business Description

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)
Dispute Queen LLC logo
Visit WebsiteWebsite

Dispute Queen LLC

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

Business Description

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)
Family Foundations logo
Visit WebsiteWebsite

Family Foundations

40 E Adams St Ste 120, Jacksonville, FL 32202
Visit WebsiteWebsite

Business Description

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)
Fresh Start Credit Repair USA, Inc. logo
Visit WebsiteWebsite

Fresh Start Credit Repair USA, Inc.

8445 Concord Blvd W, Jacksonville, FL 32208
Visit WebsiteWebsite
  • Credit Audit

Business Description

Fresh Start Credit Repair USA, Inc. is a credit repair company that operates in the Jacksonville metro. The group utilizes extensive tracking and credit analysis to clear out the negative aspects of customers' credit reports, allowing them to boost and maintain their credit scores and maximize their financial goals. Fresh Start Credit Repair USA's case analysts also draft custom dispute letters and present various dispute options to clients, allowing them to go for the right options that will address their exact credit repair needs.

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 (6)
Google
5.0 / 5 (4)
Greepath Debt Solutions logo
Visit WebsiteWebsite

Greepath Debt Solutions

101 Century 21 Dr, Jacksonville, FL 32216
Visit WebsiteWebsite

Business Description

Greenpath Debt Solutions is a national nonprofit company based in Jacksonville that promotes financial wellness by developing plans to help clients live financially healthy lives. The agency offers credit counseling and addresses issues such as overwhelming debt, bankruptcy, foreclosure, and credit challenges. Its financial counselors work with individuals to eliminate their credit card debt through personalized credit restoration services. The firm employs money management tools and debt counseling sessions, which can be conducted over the phone or in person, to improve clients' credit scores. Greenpath Debt Solutions partners with the Homeownership Preservation Foundation. It is also a member of the National Foundation for Credit Counseling.

Jacksonville Credit Repair Pros logo
Visit WebsiteWebsite

Jacksonville Credit Repair Pros

Jacksonville, FL
Visit WebsiteWebsite
  • Credit Dispute

Business Description

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
Jacksonville Credit Repair Services logo
Visit WebsiteWebsite

Jacksonville Credit Repair Services

1740 Abel Ln,, Jacksonville, FL 32254
Visit WebsiteWebsite
  • Credit Monitoring
  • Credit Audit

Business Description

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.

Jacksonville Housing-Credit logo
Visit WebsiteWebsite

Jacksonville Housing-Credit

2120 Corporate Square Blvd, Jacksonville, FL 32216
Visit WebsiteWebsite

Business Description

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.

Law Offices of Keith D. Collier logo
Visit WebsiteWebsite

Law Offices of Keith D. Collier

2350 Park St, Jacksonville, FL 32204
Visit WebsiteWebsite

Business Description

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.
3.9
Optimal Credit Repair Solutions logo
Visit WebsiteWebsite

Optimal Credit Repair Solutions

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

Business Description

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)
Back to Providers

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.

Read All FAQS