Best Credit Repair Companies in Melbourne

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Credit Repair Companies FAQs

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Fidelity Credit Consultants, Inc. logo
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Fidelity Credit Consultants, Inc.

13802 Landstar Blvd #105, Orlando, FL 32824
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  • Credit Monitoring

Business Description

Established in 2003, Fidelity Credit Consultants, Inc., caters to individuals and business owners in Melbourne and the neighboring areas. The company aggressively confronts collection agencies, previous creditors, and credit agencies to challenge the negative records hurting clients' credit scores. It also monitors the progress of TransUnion, Equifax, and Experian throughout the credit repair process to secure the accuracy and timeliness of clients' reports. Fidelity Credit Consultants also offers advice on how to sustainably improve 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

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
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Friendliness
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Fidelity Credit Consultants, Inc.

Shamika Saves logo
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Shamika Saves

2419 S Babcock St Unit A, Melbourne, FL 32901
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  • Credit Monitoring

Business Description

Shamika Saves caters to clients in and around the Melbourne metro. It offers personal credit repair and consultation programs, including challenging inaccurate items from the credit score reports. Its team also assists in building business credit, which may involve establishing corporations or LLCs and applying for corporate credit cards. Shamika Saves provides business consulting services, such as training employees, identifying company structure problems, and creating new businesses. Other services include bankruptcy support, tax preparation, and estate planning.

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 (14)
Google
5.0 / 5 (6)

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
Visit Website

Shamika Saves

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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.

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