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Best Credit Repair Companies in Spring Hill

2023

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

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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

Website
Spring Hill, 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)
Google
1.0 / 5 (3)

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
4500 140th Ave N #101, Clearwater, FL 33762
  • Credit Dispute
  • Credit Monitoring

Why choose this provider?

ERA Credit Services is an independent firm that serves the locals in and around the Spring Hill metro. It helps in repairing the credit score of its clients and immediately challenges the negative items attached to it on each of the three major reports. It also coaches clients on paying down existing balances and works with them to add new accounts. Dale and Shirley Guiducci spearhead the Clearwater-based firm and offer credit repair business coaching for professionals who wish to learn from his experience.

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.
4.7
Yelp
4.5 / 5 (11)

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
Tampa, FL
  • Credit Monitoring
  • Credit Dispute

Why choose this provider?

Credit Skyway serves the residents of Spring Hill who need to improve their ratings and qualify for additional loan products. The company removes negative items from clients' credit reports, and it scours records from major bureaus, such as Experian, Equifax, TransUnion, and Innovis. It also monitors clients' credit ratings and alerts them on emergent issues. Credit Skyway works with more than 60,000 financial establishments, such as Wells Fargo, US Bank, and Citi.

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
1219 Millennium Parkway, Brandon, FL 33511
  • Credit Monitoring

Why choose this provider?

Delta Credit Restoration serves individuals and businesses in Spring Hill. It provides credit repair services that help clients improve their chances of finding employment and getting loans from banks. The company also eliminates inaccurate information from credit reports, such as charge-offs, late payments, bankruptcy, and repossessions. Delta Credit Restoration bases its credit restoration process on FHA and SBA underwriting guidelines. It examines the contents of credit reports and consumer behaviors when creating credit strategies that suit the 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.
4.9
Google
4.9 / 5 (65)
Facebook
5.0 / 5 (38)

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
7901 4th Street North Suite 300, St. Petersburg, FL 33702
  • Credit Audit

Why choose this provider?

New Start Credit Pros LLC serves individuals throughout Spring Hill and the nearby areas. The firm brings over 15 years of credit repair experience and extensive knowledge of the FCRA, FCBA, FDCPA, and CROA in helping clients improve their credit scores and financial status. Through consultations, accurate representation, and ongoing education, its credit counselors empower clients to build up their credit and maintain their improved scores. The firm is certified in credit consulting, CRC software, and basic disputing.

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 (3)

Website
7796 Tuscan Bay Cir, Wesley Chapel, FL 33545
  • Credit Monitoring

Why choose this provider?

Heavencent Credit LLC is a family-owned company that has been serving clients in Spring Hill and nearby areas since 2016. It offers a wide range of services, from consultations and credit repair to credit monitoring and financial coaching. It disputes negative items from credit reports to improve the client's credit score and assists them in completing the necessary paperwork. It also works with businesses that need funding by providing them with an e-commerce credit line.

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 (21)

Website
​19406 Bruce B Downs #1127, Tampa, FL 33647
  • Credit Audit

Why choose this provider?

Bright Starr Consultant serves the locals in and around the Spring Hill metro. It offers credit repair solutions that come with consultations, in-depth analysis, and recommendations. Its services include delivering personalized dispute options in accordance with the client's exact needs, writing dispute letters on their behalf, giving them access to their status and updated information, and assigning a case analyst they can work with personally. The firm assists in removing foreclosures, collections, and repossessions from the client's record.

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
5.0 / 5 (4)
Google
3.0 / 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.
1.5
Responsiveness
Friendliness
––
Helpfulness
––
Detail
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Website
3438 E Lake Rd, Ste 14 -658, Palm Harbor, FL 34685
  • Credit Audit
  • Credit Monitoring

Why choose this provider?

Credit Fitness Coach delivers financial solutions to consumers in Spring Hill. The company strives to remove derogatory items in credit reports, including foreclosures, medical bills, and late payments. Its team of professionals audits analyzes credit scores, corresponds with bureaus, and provides credit-building strategies. Credit Fitness Coach is a family-owned business that also caters to the needs of business creditors. It partners with auto dealers, mortgage companies, and real estate firms in improving their clients' credit scores.

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 (6)
Google
5.0 / 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

Website
4100 W. Kennedy Blvd, Suite 208, Tampa, FL 33609
  • Credit Monitoring

Why choose this provider?

Weller Legal Group is a bankruptcy law firm that offers credit repair solutions to residents of Spring Hill. The firm assists clients in settling debts and challenges the negative items from their credit files to help them improve their scores. The firm's founder, Jay Matthew Weller, is a bankruptcy attorney who began a sister program called Julian Credit Management, a non-profit agency that helps people avoid bankruptcy and consolidate their debts into one monthly payment.

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
Google
4.5 / 5 (38)
Facebook
3.9 / 5 (9)
Yelp
3.0 / 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

Website
Tampa, FL 33610
  • Credit Audit

Why choose this provider?

Songlo Credit Services caters to clients in the Spring Hill metro and the surrounding areas. The company assists individuals in recovering a high credit score to help them get through their financial struggles. Its team also disputes unverifiable credit scores with creditors or credit bureaus. In addition to credit dispute resolution, the company educates clients in building their credit scores. Its other services include student loan debt management. The company is a member of the Credit Consultant Association.

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 (3)
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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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