Expertise.com

Best Credit Repair Companies in Palm Bay

2024

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Credit Repair Companies FAQs 〉

Providers

Last updated:

Website
Palm Bay, FL
  • Credit building
  • Credit Repair
  • Credit Audit
  • Money Back Guarantee
  • Credit Restoration

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
Google
4.8 / 5 (8774)
Yelp
2.5 / 5 (26)

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
FEATUREDExpertise.com

Lexington Law

Palm Bay, 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.
4.3

Price: Free Credit Report Consultation

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

Why choose this provider?

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.

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

Why choose this provider?

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)

Website
Palm Bay, FL
  • Debt Consolidation
  • Credit Monitoring

Why choose this provider?

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

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

Why choose this provider?

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 (24)
Google
5.0 / 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
5750 Major Blvd, Suite 300, Palm Bay, FL 32819
  • Debt Consolidation
  • Credit Monitoring
  • Credit Repair

Why choose this provider?

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.
3.8
Google
3.8 / 5 (43)

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

Frequently Asked Questions

  • 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.

Related Articles

FeaturedCreditRepair

How To Hire A Credit Repair Company

Legitimate credit repair can be useful in wiping inaccurate or fraudulent records from your credit report, or resolving ident...