Best Credit Repair Companies in Palm Bay

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Credit Saint logo
FEATURED
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Free Credit Evaluation

Credit Saint

Palm Bay, FL
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Business Description

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
Google
4.8 / 5 (5763)

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

Palm Bay, 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.

Price: Free Credit Report Consultation

Credit Repair 800 logo
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Credit Repair 800

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

Business Description

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.

Credit Repair Ease logo
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Credit Repair Ease

Palm Bay, FL
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  • Debt Consolidation
  • Credit Monitoring

Business Description

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.

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.
4.5
Facebook
4.5 / 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
InCharge Debt Solutions logo
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InCharge Debt Solutions

5750 Major Blvd, Suite 300, Palm Bay, FL 32819
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  • Debt Consolidation
  • Credit Monitoring
  • Credit Repair

Business Description

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.

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.
4.1
Google
4.1 / 5 (27)

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
RCJ Tax & Credit Repair Services logo
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RCJ Tax & Credit Repair Services

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

Business Description

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.

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 (60)
Facebook
5.0 / 5 (1)
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 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.

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
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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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