Expertise.com

2024

Last updated:

Best Credit Repair Companies in Tampa

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Tampa Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

256Reviewed

160Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Tampa, FL

Expertise.com Rating

Review Sources

Google
4.8 (10602)
Yelp
2.2 (30)

Why choose this provider?

Credit Saint is a credit restoration company serving residents in Tampa and nearby areas. It specializes in educating clients about credit and assisting in the credit restoration process. The company provides credit repair consultations, customer service, and a selection of credit repair packages, including clean slate, credit remodel, and credit polish. These solutions allow clients to challenge inaccurately reported items on a monthly basis and help monitor, protect, and fix credit reports.

  • Credit Restoration
  • Credit Repair
  • Money Back Guarantee
  • Credit building
  • Credit Audit
Lexington Law logo

Lexington LawExpertise.com

Tampa, FL
Free Credit Report Consultation

Expertise.com Rating

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.

  • Consumer Credit Services
  • Credit Repair

Tampa, FL 33635

Expertise.com Rating

Review Sources

Google
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

CMJ Credit Repair Services LLC delivers credit repair services in Tampa. It works on credit records to eliminate incorrect items. The staff provides personalized solutions to help customers identify invalid credit file marks and submit the disputes to the three credit bureaus. They remove inaccurate marks related to bankruptcy, student loans, repossessions, and identity theft. CMJ Credit Repair Services also provides credit counseling services. Additionally, it offers educational materials to teach individuals about credit rebuilding and score calculations.

4500 140th Ave N, #101, Clearwater, FL 33762

Expertise.com Rating

Review Sources

Google
4.7 (3)

Why choose this provider?

ERA Credit Services is a credit repair company located in Tampa. This personal financial advisory and coaching company is owned and managed by Dale Guiducci, an award-winning coach and trainer. Guiducci helps clients repair their credit scores, presenting them with clear, defined steps toward credit recovery. He also coaches those in or looking to start a career in the credit repair industry with his wealth of knowledge and experience.

20416 Needletree Dr, Tampa, FL 33647

Expertise.com Rating

Review Sources

Google
4.0 (8)

Why choose this provider?

Founded in 2009, Degrees of Success is a debt management company that helps borrowers with student loans repair their credit. The company determines which government forgiveness programs graduates may qualify for to relieve their student loan debt. Its consultants help clients get out of default and back on track by having lenders lower their monthly payments. Degrees of Success also offers credit counseling services to help students manage debt and raise their credit scores.

901 W Hillsborough Ave, Tampa, FL 33603

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Debt Relief Legal Group is a consumer rights and bankruptcy law firm that provides credit repair services in Tampa. Its credit recovery services use a seven-step program aimed at helping clients rebuild their credit scores in two years or less. The company also helps clients file for Chapter 7 or Chapter 13 bankruptcy, defend their homes against foreclosure proceedings, and discharge or postpone tax debt. Debt Relief Legal Group is a member of the National Association of Consumer Bankruptcy Attorneys.

Attorney Information

Attorney NameBar StatusExperience
Richard Feinberg - PartnerActive35 yrs
Alan Borden - PartnerActive16 yrs

8910 N Dale Mabry Hwy Ste 1, Tampa, FL 33614

Expertise.com Rating

Why choose this provider?

The Law Office of Thomas A. Nanna PA offers credit repair services in Tampa to clients who are facing financial or debt issues related to credit. In its credit repair program, the office communicates with clients' creditors and the major credit reporting agencies to repair and restore credit. If a questionable or inaccurate credit item is found, The Law Office of Thomas A. Nanna disputes it on behalf of the client. The office also offers debt consolidation services.

2746 Summit Pl, Birmingham, AL 35243

Expertise.com Rating

Review Sources

Google
4.7 (13)

Why choose this provider?

Superior Credit Repair is a credit restoration service that helps people in the Tampa region improve their credit scores. Its experienced consultants offer to review Experian, Transunion, and Equifax credit reports to find any inaccurate information. In accordance with FCRA law, the company helps get negative items, including bankruptcies, charge-offs, late payments, collections, and tax liens, removed from a client's credit history. Superior Credit Repair also provides advice and information on how to boost credit scores.

Tampa, FL
Website

Expertise.com Rating

Review Sources

Facebook
5.0 (74)

Why choose this provider?

Tampa Credit Repair Pros serves clients in and around the metro with credit repair services. Its team of credit specialists provides consultations and assists clients in disputing negative entries in their credit scores. For clients with inaccurate marks involving bankruptcy, tax liens, and charge-offs, the team lets clients dispute these errors and helps them in sending letters to debt collectors to request them to cease. Additionally, it offers clients monthly credit repair plans. The team also assists and advises clients with previous credit management problems.

4 Taunton St Ste 5, Plainville, MA 02762

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

American Credit Counseling Service was founded in 1988 to offer credit repair counseling services in the greater Tampa area. It handles issues such as identity theft and bankruptcy and helps clients remove negative or erroneous information from credit reports. The credit experts resolve credit payment issues through credit mediation as well as provide good faith bankruptcy prevention and debt management programs. They also offer budget assistance, including credit and financial education materials.

2803 W Busch Blvd Ste 210, Tampa, FL 33618

Expertise.com Rating

Review Sources

Facebook
4.3 (15)
Yelp
5.0 (1)

Why choose this provider?

National Credit Federation is a credit repair agency in Tampa that has helped individuals improve their finances and credit since 2006. A case manager goes through all credit reports to look for anything that is negatively affecting a client's credit score. The case is sent to an attorney who sends out dispute letters to the credit bureaus to have any incorrect items deleted. If any negative items remain, National Credit Federation begins the second round of disputes.

1211 Tech Blvd, Suite 120, Tampa, FL 33619

Expertise.com Rating

Why choose this provider?

Apex Advisor Group Inc. is a Tampa-based firm that offers credit repair services in the metro and the surrounding areas. It provides credit counseling and helps clients improve their credit scores by disputing questionable items in their credit reports. In addition, the team handles accounting, tax preparation, notary, and insurance solutions. With over 40 years of combined experience in the financial industry, the professionals at Apex Advisor Group promote financial literacy and awareness for the community.

  • Credit Monitoring

4830 W Kennedy Blvd Ste 600, Tampa, FL 33609

Expertise.com Rating

Review Sources

Google
5.0 (24)
Facebook
5.0 (24)

Why choose this provider?

Credit Chasers is a credit repair company in Tampa that has helped individuals achieve financial freedom through credit restoration since 2018. Its repair services include a free consultation to find what negative items are affecting a client's credit history. The company contacts the credit bureaus to have them remove unverifiable items such as late payments, tax liens, and charge offs. If necessary, Credit Chasers can send a client's case to an attorney for review.

3502 Henderson Blvd, Tampa, FL 33609

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Score Bump is a credit repair company that works with both individuals and commercial establishments in and around Tampa. The business helps people fix their credit by guiding them through the credit system and resolving inaccuracies in their records. Score Bump uses personalized strategies to assist individuals in achieving their specific goals. Clients also receive weekly education throughout the credit restoration process, allowing them to have the information they need to continue raising their credit scores.

  • Credit Dispute
  • Unconditional Money Back Guarantee

800 Belle Terre Pwy. Suite 200-117, Tampa, FL 33613

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Credit Repair Today is a credit restoration service that helps people in the Tampa area enhance their financial health and repair bad credit. Its specialists review credit reports obtained from the major credit bureaus and design strategies to challenge any false information. The company then contacts clients' creditors to have negative items such as charge offs, tax liens, and collections removed. If any disputed items remain, Credit Repair Today forwards the case to its paralegal department.

401 E Jackson St. Suite 2340, Tampa, FL 33602

Expertise.com Rating

Review Sources

Google
4.0 (83)
Facebook
4.0 (7)

Why choose this provider?

Credit MRI is a credit repair company that serves clients in Tampa and nearby areas. Its team helps individuals to either reduce or remove collections, foreclosures, repossessions, liens, charge offs, and bankruptcy entirely. It works with various vendors for clients to build positive credit. It also helps business owners establish their credit to secure new funding opportunities. Credit MRI has more than a decade of experience in the credit restoration industry. In addition to helping build positive credit for clients, it also aims to correct any inaccurate information.

  • Credit Monitoring

Lakeland, FL

Expertise.com Rating

Review Sources

Facebook
4.9 (148)

Why choose this provider?

Credit1Club caters to families and individuals in Lakeland and nearby areas. It provides credit repair services to remove clients' negative records, including derogatories and late payments. The company also conducts identify theft education and long-term credit consultation as well as Experian, Transunion, and Equifax Bureau management. Clients can access their account status 24/7 using smartphones. The specialists work with HER Realtors and American Eagle Mortgage. Credit1Club has been in business for over two decades. It is a member of the National Association of Credit Services Organizations.

  • Debt Consolidation

Tampa, FL

Expertise.com Rating

Why choose this provider?

Credit Strike provides a selection of services in Tampa and the surrounding areas. It caters to entrepreneurs, families, and individuals who need assistance in improving their credit scores. The company performs a preliminary analysis to resolve bad credit history, helping its customers acquire their dream products, homes, vehicles, and businesses. Its agents handle matters related to credit inquiry, late payment, charge-off, and bankruptcy disputes. They also draft goodwill letters. Credit Strike works in partnership with Equifax and Experian.

  • Credit Dispute
  • Credit Audit
  • Credit Monitoring

FAQs

  • 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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