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Best Credit Repair Companies in Palm Bay

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7777 N. Wickham Rd. Ste.12#802, Melbourne, FL 32940
Melbourne, FL 32940
Instagram
  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Credit Repair 800 serves clients in Palm Bay. It helps improve clients' credit scores by first obtaining three credit bureau reports from IdentityClub. A credit advisor is assigned to every client to assess these reports to spot negative items like housing, interest rate, mortgage, and auto loan errors that impact individuals' finances. Advisors also guide individuals about positive loan and credit card practices to follow during the credit repair process. Credit Repair 800 is a member of the Cocoa Beach Regional Chamber of Commerce.

7777 N. Wickham Rd. Ste.12#802, Melbourne, FL 32940
Melbourne, FL 32940

InstagramWebsite(321) 234-7079

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Palm Bay, FLPalm Bay, FLInstagram
  • Debt Consolidation
  • Credit Monitoring

Credit Repair Ease is a business serving the community of Palm Bay and the surrounding areas. Its team of professionals helps homeowners and businesses by using strategies that can help them improve their credit scores and repair their bad credit. The company also offers credit monitoring guides. Its services include credit reporting, financial planning, and credit score monitoring. It also helps clients increase their credit limits. The company's website provides information about home and student loans.

Palm Bay, FLPalm Bay, FL

InstagramWebsite(888) 803-7889

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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.

Online Profiles:

1 (Good)

Average Review Score:

4.2 / 5 ( Best)

Total Reviews:

5 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

, Palm Bay, FL 32819
Palm Bay, FL 32819
  • Debt Consolidation
  • Credit Monitoring
  • Credit Repair

InCharge Debt Solutions is a nonprofit organization that has been offering debt relief strategies to clients in Palm Bay since 1997. Its credit counselors assist struggling individuals in assessing their financial situation and guide them through achieving financial balance. They provide them debt management and consolidation, credit counseling, and bankruptcy counseling programs. The organization is affiliated with the National Foundation for Credit Counseling. Since its inception, InCharge Debt Solutions has helped more than three million people in paying off over $3 billion worth of debt.

, Palm Bay, FL 32819
Palm Bay, FL 32819

Website(866) 721-3925

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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.

Online Profiles:

2 (Better)

Average Review Score:

3.8 / 5 ( Good)

Total Reviews:

207 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

2174 Harris Avenue Northeast, Palm Bay, FL 32905
Palm Bay, FL 32905
Instagram
  • Credit Monitoring

RCJ Tax & Credit Repair Services operates in the Palm Bay area and nearby communities. This credit repair company assists in eliminating erroneous, inaccurate, or obsolete accounts, and it also provides tax preparation and business consulting services. The professionals at the firm also educate clients on how to start their own tax preparation business. The owner and CEO, Rudy Pean, has been providing tax preparation and credit repair services for almost a decade. He is also knowledgeable in filing simple and complex tax returns.

2174 Harris Avenue Northeast, Palm Bay, FL 32905
Palm Bay, FL 32905

InstagramWebsite(321) 541-5679

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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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

61 (Best)

Score Consistency:

Consistent (Best)

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

Shamika Saves is a company that provides services to individuals and business owners in the Palm Bay metro and the surrounding communities. It assists clients in determining their scores through credit coaching. The business helps customers resolve issues involving missed or late payments, account notices, and high credit utilization ratios. Its owner, Shamika, is a credit repair specialist who also handles tax preparation, business consulting and incorporation, and notary services. She has been in the industry for more than 10 years.

2419 S. Babcock St Unit A, Melbourne, FL 32901
Melbourne, FL 32901

InstagramWebsite(407) 930-9570

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

6 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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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