Best Credit Repair Companies in West Palm Beach

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Aleire Financial Solutions logo

Aleire Financial Solutions

777 South Flagler Drive Suite 800 – West Tower, West Palm Beach, FL 33401
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  • Credit Monitoring
  • Credit Dispute

Aleire Financial Solutions serves individuals throughout West Palm Beach and the surrounding neighborhoods. It offers a wide variety of debt and asset management solutions, including credit repair. The company helps clients rebuild their finances by improving their FICO scores with the major credit bureaus. Its team comprises a certified consumer debt specialist. Sefena Cooper, the founder of the company, is a certified Professional Debt Arbitrator and Counselor. She has been in the credit repair industry for nearly 20 years.

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Consumer Information Bureau logo

Consumer Information Bureau

2301 West Sample Road Bldg 4 Ste 2-A, Pompano Beach, FL 33073
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  • Credit Audit

Founded in 2001, Consumer Information Bureau is a company that serves West Palm Beach. Through its “Understand, Improve, and Protect” program, it aims to take care of its clients’ identities, monitor their credits, and work with bureaus to clean files containing erroneous and fraudulent accounts such as bankruptcies, charge-offs, foreclosures, late payments, liens, and repossessions. The company earned commendations from a previous client for helping her remove a collection account on her report a day before closing on a house.

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Debt Wizz logo

Debt Wizz

6685 Forest Hill Blvd Suite 210, Greenacres, FL 33413
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  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Debt Wizz is a company that serves West Palm Beach. It focuses on restoring credit to help individuals get their financial lives back on track. It performs full analyses of credit histories and disputes negative items that appear on reports with bureaus. It also assists in adding positive accounts like credit cards and trade lines to increase scores. Debt Wizz is founded and led by Adelina Cruz, who also serves as a credit specialist for the company.

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DebtHelper.com logo

DebtHelper.com

1325 N. Congress Ave., Ste. 201, West Palm Beach, FL 33401
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  • Credit Monitoring

DebtHelper is an IRS-approved non-profit corporation that serves clients in West Palm Beach and the surrounding communities. It dedicates its services to education, advising, and empowering clients in handling credit, debt, and housing matters. The company offers credit and budget analysis, housing counseling, student loan guidance, and personal finance education. It serves as a member of the Financial Counseling Association of America and the Florida Housing Coalition. The company's counselors are also Certified Debt Management Professionals.

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Direct Source Credit Repair logo

Direct Source Credit Repair

6109 Willoughby Circle, Lake Worth, FL 33463
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  • Credit Monitoring

Direct Source Credit Repair is a company that serves clients in West Palm Beach. Its team utilizes its expertise in helping clients restore, rebuild, and raise their credit scores, and also offers debt settlement programs. It provides an analysis of credit reports and identifies inaccurate or misleading information, and files disputes with creditors and collectors. It has helped hundreds of customers through its credit repair solutions, which also include guiding and educating individuals throughout the process of rebuilding and restoring credit.

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Great Credit Works logo

Great Credit Works

1016 Clare Ave Suite 5, West Palm Beach, FL 33401
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  • Debt Consolidation

Great Credit Works serves individuals and small businesses in West Palm Beach and the surrounding communities. The company investigates negative credit remarks, inaccurate data, and errors on clients' credit reports that will be removed. It has successfully removed negative items from previous clients' accounts such as late payments, medical bills, student loans, identity fraud, and repossessions. Great Credit Works assists clients in filing FCRA-compliant disputes with TransUnion, Equifax, and Experian in order to remove fraudulent entries.

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New You Financial Services logo

New You Financial Services

150 East Palmetto Park Road Suite 800, Boca Raton, FL 33432
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  • Credit Monitoring

New You Financial Services has been assisting individuals and businesses in West Palm Beach and nearby locations since 2006. It offers credit restoration programs that include three bureau corrections, credit education, and a credit report forensic audit. Clients also have access to a personal credit coach. The firm, which also works with veterans and active-duty military members, offer identity theft protection solutions. Its CEO, Stephen Leifer, is a member of the Credit Consultant’s Association and the National Association of Credit Services Organizations.

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Optimal Debt Solutions logo

Optimal Debt Solutions

1665 Palm Beach Lakes Blvd, Suite 800, West Palm Beach, FL 33401
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  • Debt Consolidation

Optimal Debt Solutions is a full-service firm located in West Palm Beach. It provides relief options—such as debt consolidation, consumer credit counseling, and negotiation services—to people in the metro with serious financial challenges or those who simply want to minimize their interest rates and monthly payments. The firm has helped clients save millions of dollars through negotiations, including a client who received a 60% reduction in credit card debt worth $8,626.61. Optimal Debt Solutions is a member of the American Fair Credit Council.

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Roseallure's Budget Credit 360 Program logo

Roseallure's Budget Credit 360 Program

340 Royal Poinciana Way Suite 317-195, Palm Beach, FL 33480
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  • Debt Consolidation
  • Credit Dispute

Roseallure's Budget Credit 360 Program helps individuals and businesses in West Palm Beach and surrounding areas rebuild their credit via individualized plans and program options. It guides clients throughout the credit repair process, including evaluating credit reports; disputing questionable information with creditors, collectors, and the credit bureau; and updating files. Its Credit Consultants Association-certified experts focus on constantly educating clients on various aspects of credit scores and debt settlements. The company also provides credit consultation services.

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Sky Blue logo

Sky Blue

5401 Broken Sound Blvd NW, Ste 202, Boca Raton, FL 33487
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  • Credit Monitoring
  • Credit Audit

Sky Blue is a locally owned and operated credit repair company that serves the residents of West Palm Beach and the surrounding areas. Its team of professionals helps clients improve their credit scores through services such as credit report analysis, statute of limitation research, and credit rebuilding. It also offers extra credit repair services, including debt validation, goodwill letters, and cease and desist letters. Sky Blue has been in operation for more than three decades.

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Supreme Credit Repair logo

Supreme Credit Repair

Sunrise, FL 33313
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  • Credit Monitoring

Supreme Credit Repair works with residents of West Palm Beach to improve their credit scores. Its team addresses concerns such as late payments, repossessions, and identify theft. Its professionals audit credit reports and identify erroneous and negative items that affect a client's score. The company builds a personalized plan based on the customer's financial situation. It also challenges bureaus, creditors, and collection agencies on negative entries. Its staff likewise monitors the credit scores of its clientele and guides them on how reported entries can impact their credit score.

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Turner Business Solutions Inc. logo

Turner Business Solutions Inc.

1419 10th St Ste#6, Lake Park, FL 33403
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  • Credit Monitoring

Turner Business Solutions Inc. provides financial relief services to individuals and businesses in West Palm Beach and nearby areas. It conducts credit analyses to review clients' credit reports and analyzes inaccurate information. Its team disputes the negative items from the bureaus and creditors. Turner Business Solutions also offers accounting services, website development, and coaching sessions. Additionally, tax services are available. The company has over 20 years of experience in the industry.

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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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