Expertise.com

2024

Last updated:

Best Credit Repair Companies in Miami Gardens

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Miami Gardens Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

91Reviewed

59Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

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

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 logoFEATUREDExpertise.com

Lexington Law

Miami Gardens, FL
  • Consumer Credit Services
  • Credit Repair

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.
4.0
Facebook
4.3 / 5 (2911)
Yelp
1.0 / 5 (3)
Google
1.0 / 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

Price: Free Credit Report Consultation

Website
9445 SW 40th Street, Suite 105, Miami, FL 33165
  • Credit Dispute

Why choose this provider?

Clean Slate Consulting Credit Repair offers credit repair solutions to individuals and businesses in Miami Gardens and the neighboring communities. The company reviews clients' credit scores from the three bureaus and develops a strategy to rebuild them, obtains permission to proceed with the process, and disputes credit entries that are wrong or negatively impact scores. It also continues to monitor the credit score. Clean Slate Consulting has helped resolve more than 7,500 credit disputes since its foundation.

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 (25)
Yelp
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

Website
9380 SW 72nd Street, Suite B207, Miami, FL 33173
  • Credit Monitoring

Why choose this provider?

Credit Repair Systems, Inc., has been serving clients in Miami Gardens and the surrounding communities since 2001. The company caters to people from various financial backgrounds, improving their credit scores by disputing negative information from their credit reports. Its professionals are knowledgeable in removing late mortgage and car payments, collection accounts, and foreclosures. They utilize various credit repair strategies to eliminate these items and inform clients of their progress. The firm also handles bankruptcy claims.

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
4.7 / 5 (28)
Google
5.0 / 5 (7)
Yelp
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

Website
7105 SW 8 ST Suite 301, Miami, FL 33144
  • Credit Monitoring

Why choose this provider?

MiamiCreditFix.Com provides solutions to the people of Miami Gardens and nearby areas. Its specialists assist individuals in improving their credit rankings and correcting errors on their records. They negotiate with credit bureaus and clients' lenders to dispute negative items on their credit reports that affect their scores. They also work with business owners seeking to avoid bankruptcy or high interest. In addition, the company's rent report team submits every on-time rental payment made by clients to the credit bureau, helping them improve their credit ratings.

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

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
11900 Biscayne Blvd. Ste 801, North Miami, FL 33181
  • Credit Dispute

Why choose this provider?

Safe Credit Solutions, Inc., caters to clients in Miami Gardens and the surrounding communities. It offers credit repair services to individuals, families, and businesses. The firm's owner and advisor, Alex Chavez, evaluates credit reports and removes unverifiable records such as collections, late payments, bankruptcies, repossessions, and foreclosures. He also assists clients in maintaining and improving their financial health through money management and debt management. Chavez can accommodate clients who speak Spanish. He has been in the industry for more than 10 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.
4.6
Google
4.7 / 5 (1488)
Facebook
4.1 / 5 (113)
Yelp
2.6 / 5 (9)

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

Website
8200 NW 27th St #114, Doral, FL 33122
  • Debt Consolidation
  • Credit Dispute

Why choose this provider?

Credit Supreme assists Miami Gardens residents in repairing their credit histories. Its experts begin with an assessment to identify negative items such as late payments, collections, repossessions, hard inquiries, and bankruptcies. The company files credit bureau disputes in order to remove information that is not verifiable, timely, or accurate. Customers receive updates via portal access and are educated on how to maintain a good credit score. Credit Supreme's team has a combined experience of more than 15 years in the industry.

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
4.9 / 5 (806)
Facebook
4.5 / 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

Website
18117 Biscayne Blvd., Aventura, FL 33160
  • Credit Monitoring

Why choose this provider?

Solvency Consulting serves clients in Miami Gardens and the surrounding areas. It provides credit repair services that help improve clients' chances of getting loans from banks. The firm also removes inaccurate information from credit reports, such as charge-offs, repossessions, and late payments. Solvency Consulting aims to educate the general public about debt management solutions that help them achieve financial freedom. The company uses its technical capability to assess the unique needs and financial situations of clients.

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
15291 NW 60th Ave #101, Hialeah, FL 33014
  • Credit Audit

Why choose this provider?

Credit Repair Consultants serves customers in Miami Gardens and its surrounding communities. Its credit repair specialist, customer service representatives, and support staff help clients improve their scores. The company offers solutions to the unresponsiveness and stalling tactics of credit bureaus. It uses its knowledge of the law to fight for people’s rights and challenge problems such as bankruptcies, tax liens, and charge-offs. Credit Repair Consultants has provided solutions to the credit issues of more than 20,000 clients.

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
4.2 / 5 (27)
Facebook
4.7 / 5 (12)
Yelp
2.0 / 5 (8)

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

Website
10300 SW 72nd St, Suite 190, Miami, FL 33157
  • Credit Monitoring

Why choose this provider?

Real Clique Credit Repair assists residents and business owners in Miami Gardens and the surrounding areas. The company removes negative accounts from TransUnion, Equifax, and Experian. It also provides a personal assessment of what needs to be done to improve a client's credit profile and assists clients in building positive credit by developing a plan based on their spending habits. Before starting his own company, CEO Anthony Marquez worked for another credit repair company for more than six 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.
4.8
Facebook
4.9 / 5 (515)
Google
4.7 / 5 (255)
Yelp
5.0 / 5 (7)

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

Website
5911 NW 173rd Dr. Ste 17,18,19, Miami Gardens, FL 33015
  • Credit Audit

Why choose this provider?

Buildworth Strategies is a credit repair company that serves clients in Miami Gardens. It offers solutions for personal and business credit restoration. The firm keeps the clients' best interest in mind, preparing and educating them the necessary credit knowledge. It removes negative items on clients' credit reports and provides monthly tips to increase their credit card limits and decrease utilization. The company has a mobile application that allows clients to access and monitor their account's progress. Its staff members can communicate in Spanish.

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 (29)

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

Website
11491 NW 27th Ave, Miami, FL 33167
  • Credit Repair

Why choose this provider?

Epic Credit Scores caters to customers nationwide offering a wide variety of online services with their central office located in the Miami Gardens metro area. It helps clients rebuild their credit and achieve their financial goals by offering credit repair services. It advocates on the clients' behalf and disputes incorrect items from their credit reports. Some of the items it removes are bankruptcies, collection accounts, foreclosures, judgments and liens, late payments, and repossessions. Epic Credit Scores brings more than 20 years of experience in the industry.

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 (37)

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

FAQs

  • 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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