Expertise.com

2024

Last updated:

Best Credit Repair Companies in West Palm Beach

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored West Palm Beach 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.

81Reviewed

53Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

West Palm Beach, FL

Expertise.com Rating

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

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

Lexington LawExpertise.com

West Palm Beach, 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

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

Expertise.com Rating

Review Sources

Google
4.8 (20)
Facebook
5.0 (6)
Yelp
5.0 (1)

Why choose this provider?

New You Financial Services works with individuals and businesses in West Palm Beach. It educates South Florida consumers about the proper use of credit, as well as removes or corrects inaccurate, outdated, and misleading information from their credit reports. The company helps clients build a positive credit history and provide means for them to create budgets and tools for their financial decision-making. It performs credit restoration, repair, and auditing. CEO Stephen Leifer is a member of the National Association of Credit Services Organizations.

  • Business Credit
  • CREDIT RESTORATION/REPAIR
  • Credit building

5401 Broken Sound Blvd NW, Ste 202, Boca Raton, FL 33487

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Why choose this provider?

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.

  • Credit Monitoring
  • Credit Audit

Sunrise, FL 33313
Website

Expertise.com Rating

Review Sources

Google
5.0 (17)
Yelp
5.0 (4)

Why choose this provider?

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.

  • Credit Monitoring

777 South Flagler Drive Suite 800 – West Tower, West Palm Beach, FL 33401

Expertise.com Rating

Review Sources

Google
5.0 (20)
Facebook
4.8 (10)

Why choose this provider?

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.

  • Credit Monitoring
  • Credit Dispute

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

Expertise.com Rating

Review Sources

Google
5.0 (11)
Facebook
5.0 (1)

Why choose this provider?

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.

  • Credit Monitoring

6685 Forest Hill Blvd Suite 210, Greenacres, FL 33413

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Review Sources

Facebook
5.0 (23)
Google
5.0 (22)

Why choose this provider?

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.

  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

1665 Palm Beach Lakes Blvd, Suite 800, West Palm Beach, FL 33401

Expertise.com Rating

Review Sources

Google
5.0 (262)

Why choose this provider?

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.

  • Debt Consolidation

340 Royal Poinciana Way Suite 317-195, Palm Beach, FL 33480

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Review Sources

Facebook
5.0 (14)
Google
5.0 (4)

Why choose this provider?

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.

  • Debt Consolidation
  • Credit Dispute

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

Expertise.com Rating

Review Sources

Google
4.9 (1074)
Facebook
4.9 (299)
Yelp
5.0 (9)

Why choose this provider?

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.

  • Credit Monitoring

1016 Clare Ave Suite 5, West Palm Beach, FL 33401

Expertise.com Rating

Review Sources

Google
5.0 (13)

Why choose this provider?

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.

  • Debt Consolidation

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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