Best Credit Repair Companies in Lakeland

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Credit Repair Companies FAQs

Last updated: October 1, 2022

Credit Up Scores

P.O. Box 7042, Lakeland, FL 33807

Credit Monitoring
Credit Dispute

Credit Up Scores is a credit repair company assisting clients in the Lakeland metro and nearby cities get back on financial track. Its team performs credit monitoring and in-depth analysis, asking clients to provide reports from various credit bureaus. It also corrects, update, and remove misleading and inaccurate items like late pays, tax liens, short sales, bankruptcies, and foreclosures. Credit Up Scores assists individuals, couples, and families by providing a step-by-step guide on how to rebuild and restore credit scores.

Delta Credit Restoration

1219 Millennium Parkway, Brandon, FL 33511

Debt Consolidation
Credit Monitoring

Delta Credit Restoration has been serving small businesses and individuals in Lakeland and nearby areas since 2010. It provides individual credit restoration and long-term credit repair services. It follows FHA and SBA guidelines, which are the same guidelines used by banks and loan officers. It also implements financial safeguards to keep customers from becoming repeat customers. The firm caters to clients who need credit repair in order to obtain home loans or recover from identity theft.

Divine Credit Repair & Notary Service Inc

7965 State Road 50,, Groveland, FL 34736

Credit Monitoring
Credit Audit

Divine Credit Repair & Notary Service Inc. caters to customers in the Lakeland metro and the surrounding communities. It helps individuals optimize their credit scores and achieve financial freedom by offering credit repair and rebuilding solutions. Its work process involves reviewing the clients' credit reports, disputing and challenging unfair marks on their credit, and educating them on how they can improve their creditworthiness. The company also provides debt reduction and mortgage and student loan approval assistance.

G&T Debt Solutions

601 North Ashley Drive, Tampa, FL 33602

Credit Monitoring

Since 2019, G&T Debt Solutions has been helping individuals obtain financial confidence in Lakeland and the surrounding areas. The company offers a variety of credit restoration programs, such as inquiry removal and score improvement packages. Its process includes removing negative accounts like charge-offs, late payments, evictions, student loan debts, and child support payments. It also provides monthly subscription packages for late payment removals and credit sweeps. Xavier Greene, the company's owner, knows his clients' predicaments because he has had credit issues himself.

Heavencent Credit LLC

7796 Tuscan Bay Cir, Wesley Chapel, FL 33545

Credit Dispute
Credit Monitoring

Heavencent Credit LLC serves clients in Lakeland. Its team provides credit repair solutions for various issues such as denied or default loans, late payments or repossession, overwhelming medical bills, and tax liens. It removes negative items from reports to help individuals improve their scores and secure new loans or become eligible for any financial assistance. The company's other services include credit lines, budgeting, and financial coaching. Heavencent Credit was established in 2016.

Mcknight Bounce Back Credit Repair

4620 Bristol Bay Way #101, Tampa, FL 33619

Credit Monitoring

Mcknight Bounce Back Credit Repair caters to individuals in Lakeland and the surrounding areas. The company consults clients to determine their needs and educates them on the credit repair process. It aims to empower clients by equipping them with the financial and credit tools to maintain a healthy score. The company removes negative items on the customer's report, such as repossessions, collections, bankruptcies, charge-offs, late payments, and hard inquiries. It also works with individuals looking to build generational wealth.

National Credit Federation

2803 West Busch Blvd Suite 210, Tampa, FL 33618

Debt Consolidation
Credit Monitoring
Credit Audit

National Credit Federation assists Lakeland residents in improving their credit scores. The company offers custom credit repair programs, and it educates clients on matters concerning healthy credit standings. It also helps them by disputing inaccurate and unverifiable entries with credit bureaus and agencies. In addition, the firm provides personalized credit score blueprints, online budgeting tools, and 24/7 access to its online portal. Herschel Bentley, the firm’s founder, has over 30 years of industry experience. He has been featured in CBS MoneyWatch, Boston Herald, and Forbes.

OpenSky Credit Repair

5323 Millenia Lakes Blvd Suite 300, Orlando, FL 32839

Debt Consolidation

OpenSky Credit Repair serves individuals and businesses in and around the Lakeland area. It helps clients achieve financial goals, whether they are looking to qualify for credit card applications or purchase homes, through credit restoration, education, and building. Its credit repair service involves challenging and removing inaccurate and unverifiable items such as charge-offs, repossessions, late payments, and inquiries. It offers different packages to cater to clients' unique needs. One of them includes two direct-to-creditor disputes and a debt elimination plan.

Score Bump

3502 Henderson Blvd, Tampa, FL 33609

Credit Monitoring
Credit Dispute

Score Bump assists Lakeland residents with credit repair. It collaborates with credit bureaus to provide individual and couple credit analyses, allowing clients to challenge inaccurate items added to their database and initial audit reports. It also offers dispute letter creation and 24-hour online account access. The company focuses on guiding clients through the process and constantly educating them on how to improve and restore their financial scores in a sustainable manner. Its services extend to business funding and financial coaching by a Ramsey Master Financial Coach.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: 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.

Q: Is credit repair legal?

A: 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.

Q: Can a credit repair company remove late payments?

A: 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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