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Best Credit Repair Companies in St. Petersburg

2023

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Website
St. Petersburg, FL
  • Credit Restoration
  • Money Back Guarantee
  • Credit building
  • Credit Audit
  • Credit Repair

Why choose this provider?

Credit Saint offers credit repair services to clients in St. Petersburg and nearby communities. It creates a credit monitoring account for clients on its website. Through their private dashboard on the site, clients can access a full analysis and report of their credit score and history. Credit Saint helps clients understand their credit report and identify solutions to avoid or fix credit damage. The company has been recognized by various publications such as Discover, Fortunly, Observer, and SF Weekly.

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 (10602)
Yelp
2.2 / 5 (30)

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
St. Petersburg, 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 (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

Price: Free Credit Report Consultation

Website
13575 58th Street North, Suite 200, Clearwater, FL 33760
  • Credit Audit

Why choose this provider?

FAM Business Consultant is a local credit repair and restoration firm that serves clients in St. Petersburg and the surrounding areas. The firm assists clients in restoring their credit rating through personalized consultations, accurate representation, and ongoing education. It also offers business funding solutions to help clients establish credit to be able to secure large lines of funds through means like loans and cash advances and help their businesses grow. The company maintains an online portal where clients can access their credit progress 24/7.

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 (7)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Tampa, FL 33610
  • Credit Monitoring

Why choose this provider?

Songlo Credit Service works with the residents of St. Peterburg who need to procure financial accommodations. The office repairs clients' ratings by contesting erroneous entries on their records. It also educates individuals by teaching them how to build their scores and manage their outstanding debts. CEO and coach Sonia L. Taylor's customer base includes persons with student loans and business proprietors who must establish their own credit lines. Songlo Credit Service is a member of the Credit Consultants 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)

Website
901 W Hillsborough Ave, Tampa, FL 33603

Why choose this provider?

Debt Relief Legal Group provides credit repair services near Saint Petersburg. The company has a credit recovery program that improves credit scores via debt elimination. It uses a co-counsel approach in handling debt cases. The lawyers have experience in helping clients file for Chapter 7 and 13 bankruptcy and reestablish credit afterward. They offer advice on alternatives to bankruptcy, such as loan modifications and debt elimination and consolidation, to help clients choose the most viable option. Debt Relief Legal Group's attorneys also represent homeowners in foreclosure by providing solutions such as mortgage modification, strategic abandonment, settlement negotiations, and short sales.

Attorney Information

Attorney NamesExperience
Richard Feinberg - Partner34 yrs
Alan Borden - Partner15 yrs

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.
4.6
Facebook
4.5 / 5 (3)
Yelp
5.0 / 5 (1)

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
St. Petersburg, FL 33709
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

Approvology is a credit repair company that serves clients in the St. Petersburg area. Its team helps improve credit scores by disputing negative items in credit reports created by the three major bureaus. These include charge-offs, late payments, bankruptcies, medical bills, and student loans. The company also contests errors in the reports to allow clients to eventually get loans with lower interest rates. In addition, Approvology offers credit planning services that prioritize the payment of debts.

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 (10)
Google
5.0 / 5 (2)

Website
180 Maiden Ln Fl 30, New York, NY 10038

Why choose this provider?

National Debt Relief is a credit repair agency that serves clients in Saint Petersburg. IAPDA-certified professionals assess clients' finances and create a debt management plan that's unique to each client's background. In addition to negotiating settlements with credit bureaus and collectors, the company works with clients to actively pay off their debt and create healthy financial habits. National Debt Relief's other services include debt consolidation and credit counseling. The agency was founded with the mission of helping individuals achieve financial freedom and providing ongoing financial education. National Debt Relief is a member of the American Fair Credit Council and the International Association of Professional Debt Arbitrators.

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.
1.5
Yelp
1.5 / 5 (61)

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
​Tampa, FL 33601
  • Credit Dispute

Why choose this provider?

Credit Score Plan offers various services to customers in St. Petersburg. The firm educates debtors and corrects erroneous entries on their records. It maintains updated information on a client's case status, which is accessible 24 hours a day. The team repairs consumer, business, and mortgage credits. Credit Score Plan is a family business, and its founder is a realtor who put up the business when he realized that some potential buyers had trouble procuring loans.

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 St N STE 4823, St. Petersburg, FL 33702
  • Credit Dispute

Why choose this provider?

Ownurship Consulting offers credit repair services for individuals in St. Petersburg and the surrounding locations looking to acquire insurance, start a business, or purchase a home. It offers monthly packages that include a credit report analysis covering the three major credit bureaus and monthly updates. The company challenges negative report items and utilizes disputing strategies and tactics in pursuit of repairing and building clients' credit scores. It also educates clients on the proper use of credit.

Website
401 East Jackson Street, Tampa, FL 33602

Why choose this provider?

Credit MRI offers credit repair and building services to consumers and businesses in St. Petersburg. It aids in improving personal credit by eliminating or reducing outstanding items such as collections, charge-offs, and student loans, as well as default-related records including foreclosures, repossession, and bankruptcy. Credit MRI also offers credit-building services to individuals, as well as to businesses that are looking into solutions for cash flow management and reduction of expenses.

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
4.4 / 5 (67)
Yelp
3.5 / 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

Website
25400 US Highway 19 N Ste 240, Clearwater, FL 33763

Why choose this provider?

Founded in 2018, Super Credit Repair is a credit repair agency near Saint Petersburg that helps individuals and families to improve their credit profiles. The company evaluates credit reports for inaccuracies and works to have adverse credit remarks exceeding six to seven years removed. Its employees are experienced in handling bankruptcy, collection accounts, foreclosures, evictions, judgments, and tax liens. Clients can access financial advice from attorneys or counselors trained and experienced in credit repair, who advise on appropriate areas to address to obtain improved credit scores, leading to financial freedom. Super Credit Repair also helps customers to reduce or eliminate debt through remedies that include lawsuit defense and debt settlement and consolidation.

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
7616 W Courtney Campbell Causeway Ste 145, Tampa, FL 33607
  • Credit Audit

Why choose this provider?

Credit1 has over 20 years of experience delivering personalized consultations, report summaries, and score evaluations to St. Petersburg individuals. It repairs credit by removing inaccurate and negative items on reports, such as collections, late payments, medical bills, and tax liens. It also offers TransUnion, Experience, and Equifax bureau management. Additionally, the company helps clients maintain good credit scores by providing ongoing education programs, such as long-term consulting, identity theft education, and other month-to-month programs.

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
Facebook
4.9 / 5 (64)
Google
4.8 / 5 (53)

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
1301 Seminole Blvd Ste 173 Bldg H, Largo, FL 33770

Why choose this provider?

National Family Financial Solutions Inc. is a credit repair company near Saint Petersburg. Its staff works to help clients climb out of unmanageable debt and improve their credit ratings. It develops debt management plans to reduce or eliminate interest rates and lower monthly payments. The debt management program manages unsecured debt accounts, such as medical bills, service charges, credit card accounts, and personal, signature, and installment loans. The experts provide debt consolidation repayment plans to roll debts into one and reduce the debt to income ratio, hence increasing credit scores. They also offer bankruptcy solutions as well as credit counseling and budget coaching.

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

Website
3502 Henderson Boulevard, Tampa, FL 33609

Why choose this provider?

Score Bump is a credit score improvement company that assists St. Petersburg-based clients in getting back on track financially. It provides financial education to build, rebuild, and restore credit. The company has credit advisors who help fix and rebuild stained credit for individuals and business owners. Its team of advisors handles the removal of incorrect information on the credit report, including duplicates, late payments, charge-offs, bankruptcies, medical bills, and short sales.

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 (6)
Facebook
5.0 / 5 (1)

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
St. Petersburg, FL
  • Credit Monitoring

Why choose this provider?

The Credit Xperts has been serving individuals in St. Petersburg and the surrounding areas for more than a decade. The firm primarily caters to people dealing with mortgage correction, judgments, bankruptcies, or student loans. The national credit repair company helps customers restore their credit scores across three major credit bureaus: Experian, TransUnion, and Equifax. Its specialists remove inaccurate and negative items from credit reports, such as collections, late payments, and public records. In addition to assisting individuals, the business offers special accommodations to couples.

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 (5)

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

  • 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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