Expertise.com

Best Credit Repair Companies in Plantation

2024

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Providers

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

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

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 (6427)

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
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Lexington Law

Plantation, 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
Facebook
4.3 / 5 (2911)

Price: Free Credit Report Consultation

Website
950 S Pine Island Road, Plantation, FL 33324
  • Credit Monitoring

Why choose this provider?

Orise Finance LLC offers credit repair services in Plantation and nearby areas. It caters to individuals who want to acquire home and auto loans and high-limit credit cards, helping them improve their credit scores. The company's credit repair attorneys identify legal discrepancies and remove bad credit histories. They gather clients' relevant information and reports to develop a plan tailored to customers' credit goals. Orise Finance has been in the industry for more than a decade.

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 (32)

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
11110 W Oakland Park Blvd Suite 308, Sunrise, FL 33351
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

RSW Credit Repair is a Sunrise-based company serving residents in and around the Plantation area. It offers credit restoration services, which involve sending dispute letters to creditors and the three major credit bureaus to remove negative items that are impacting clients' scores. Its team educates clients on how credit works, sending them resources via text and email. They also send monthly updates, which allow clients to track their progress. Additionally, RSW Credit Repair offers kits for individuals looking to rebuild their credit by themselves.

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
Yelp
5.0 / 5 (12)
Facebook
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5701 West Sunrise Blvd., Fort Lauderdale, FL 33313
  • Debt Consolidation

Why choose this provider?

Consolidated Credit fixes the financial records of individuals and families in Plantation. It provides solutions for credit repair, such as counseling and debt consolidation. It also renders personal finance services, including budgeting, planning, and saving. The company offers advice on first-time home purchases, equity protection, reverse mortgage, and stopping foreclosure. Its team works with a network of partners, including BofA and Citi. Consolidated Credit has served over 10.2 million people in 28 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
Google
4.8 / 5 (1385)
Yelp
3.2 / 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
8201 Peters Road, Plantation, FL 33324
  • Credit Audit
  • Credit Dispute

Why choose this provider?

Yesu2can Financial Consulting Group serves individuals, small- to medium-sized businesses, and large corporations in Plantation and the surrounding areas. It helps clients achieve their financial goals by rebuilding their credit scores. Its process involves analyzing customers' financial situations, importing credit reports, suggesting personalized strategies for repairing credit, and giving them access to a secure portal where they can monitor their accounts. Audrey Rush-Green, the CEO, has 17 years of experience in the banking and retail industries.

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 (9)

Website
10 Fairway Dr Suite 116, Deerfield Beach, FL 33441
  • Credit Monitoring

Why choose this provider?

Credit Redefined serves clients in Plantation and nearby areas. It offers a wide range of services, from credit education to credit repair and restoration. It disputes inaccurate and derogatory items on credit reports and informs clients on the appropriate tradelines to add to their credit profiles. It also offers clients a credit repair ebook in which they can learn how credit works as well as Chexsystem and inquiry removal letter templates. Guelita Gee, one of its agents, is a Certified Financial Education Instructor (CFEi).

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
5.0 / 5 (16)
Facebook
4.6 / 5 (12)

Website
Pembroke Pines, FL
  • Credit Monitoring

Why choose this provider?

Ez Credit Repair Now serves customers in Plantation and the surrounding areas. The credit repair company helps clients improve their FICO scores. It updates incorrect or outdated information in the credit report and assists in the process of building a good credit history. It delivers legal and proactive credit repair services based on its factual dispute methodology. Sandra Valentine, the company's president, is a certified member of the Credit Consultants Association and a member of Credit and Collections Vendor Recommendations.

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 (62)

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.

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