Best Credit Repair Companies in St. Petersburg

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Approvology logo

Approvology

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

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.

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Boost Credit Solutions LLC logo

Boost Credit Solutions LLC

7901 4th Street North, St. Petersburg, FL 33702
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Boost Credit Solutions LLC is a credit repair company that is headquartered in St. Petersburg. It offers credit restoration services that allow clients to dispute any incorrect information on the credit report. Credit advisors from this company provide assistance in the dispute process of repossessions, charge-offs, late payments, inquiries, and foreclosures. Boost Credit Solutions LLC also provides a pay per deletion option that deletes a public record from credit bureaus.

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Bridge Credit Repair logo

Bridge Credit Repair

100 Ashley Dr S Suite 601, Tampa, FL 33602
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Bridge Credit Repair helps St. Petersburg residents with various credit report needs. The company's credit repair specialists create personalized dispute letters and dispute options for clients. They negotiate with creditors and credit bureaus to challenge negative items stated in clients' credit reports. Clients are provided 24/7 access to their accounts in order to monitor updates on their credit scores and reports. Part of Bridge Credit Repair's service is providing clients with gudiance in maximizing their debt ratio score.

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Credit MRI logo

Credit MRI

401 East Jackson Street, Tampa, FL 33602
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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.

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Credit Score Plan logo

Credit Score Plan

​Tampa, FL 33601
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  • Credit Dispute

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.

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Credit1 logo

Credit1

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

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.

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Debt Relief Legal Group logo

Debt Relief Legal Group

901 W Hillsborough Ave, Tampa, FL 33603
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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.

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FAM Business Consultant logo

FAM Business Consultant

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

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.

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Lux Credit logo

Lux Credit

475 Central Ave Suite 302, St. Petersburg, FL 33701
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Lux Credit assists individuals in St. Petersburg in repairing their credit scores and obtaining financial relief. The company's credit specialists work on eliminating inquiries on inactive accounts across all three bureaus. They also investigate and contest all negative activities in a credit report, such as late payments, charge-offs, student loans, repossessions, evictions, bankruptcy, and child support. Past clients have commended Lux Credit for its quick solutions, professionalism, and customer-friendly service.

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National Debt Relief logo

National Debt Relief

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

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National Family Financial Solutions, Inc. logo

National Family Financial Solutions, Inc.

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

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Ownurship Consulting logo

Ownurship Consulting

: 7901 4th St N STE 4823, St. Petersburg, FL 33702
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  • Credit Dispute

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.

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Rose Financial Advancement Services logo

Rose Financial Advancement Services

10300 49th Street North Suite 123, Clearwater, FL 33762
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  • Credit Monitoring

Rose Financial Advancement Services extends its credit repair solutions to the people of St. Petersburg. It handles private assessment and analysis, contacts creditors, and deals with the back and forth correspondence and documentation on clients' behalf. It challenges derogatory accounts and remarks on clients' credit reports to build and improve their scores. It conducts consultations, financial literacy, and debt counseling to help customers develop a futuristic outlook. The firm is a member of the Certified Consultants Association.

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Score Bump logo

Score Bump

3502 Henderson Boulevard, Tampa, FL 33609
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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.

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Songlo Credit Service logo

Songlo Credit Service

Tampa, FL 33610
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  • Credit Monitoring

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.

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Super Credit Repair logo

Super Credit Repair

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

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The Credit Xperts logo

The Credit Xperts

St. Petersburg, FL
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  • Credit Monitoring

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.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: 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.

Q: Is credit repair legal?

A: 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.

Q: Can a credit repair company remove late payments?

A: 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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