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Looking to fix your credit in the Sunshine State? Whether you’re dealing with errors on your credit report or need help getting back on track, choosing the right credit repair service can make all the difference. Florida is home to several reputable companies that specialize in helping clients improve their financial standing.
In this guide, we’ve researched and ranked the top 6 credit repair companies in Florida for 2025. From affordable pricing to proven results, these services stand out for their commitment to client success. Let’s dive into the best options to help you confidently rebuild your credit.
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6 Best Credit Repair Companies FL
- Credit Saint – Best FL Credit Repair Company Overall
- The Credit People – Most Aggressive Timeline
- Sky Blue – Best for a One-Service, Budget Option
- The Credit Pros – Best for Bonus Features
- Safeport Law – Best for Legal Representation
- Ovation – Best for Personalized Credit Repair Plans
Credit Saint – Best FL Credit Repair Company Overall
Credit Saint, a credit restoration company based in New Jersey, has been servicing areas including Miami, and educating clients about credit for over 15 years. Recognizing that credit damage involves more than just negative scores, Credit Saint helps improve credit ratings by addressing and challenging inaccurate, incomplete, or unverifiable information on credit reports.
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The Credit People – Most Aggressive Timeline
The Credit People sets itself apart by offering clear, aggressive timelines for showing customer results, often within just 60 days of service commencement. They provide initial credit scores and reports immediately upon signup, allowing clients to track their credit repair progress from the start.
Read: The Credit People Review
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Sky Blue – Best for a One-Service, Budget Option
Sky Blue Credit Repair®, located in Boca Raton, Florida, is known for its understanding of the local credit challenges. It commits to disputing a fixed number of items each month, which may lengthen the credit repair process depending on the volume of disputes necessary.
Sky Blue also offers flexible service options, allowing clients to pause, cancel, or restart their service at any time, aligning with their financial needs.
>> Get Started With Sky Blue >>
The Credit Pros – Best for Bonus Features
The Credit Pros, based in West Palm Beach, offers three distinct pricing packages, allowing clients to tailor their credit repair expenses. Founded by credit law experts, the company enables clients to book a free, no-obligation consultation.
Once enrolled, The Credit Pros handle all dispute paperwork with credit bureaus and provide real-time updates on disputes, debt validations, and communications with creditors and collection agencies.
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Safeport Law – Best for Legal Representation
Looking to boost your credit score in Florida? Safeport Law has your back! With a team of seasoned attorneys and consumer advocates, they know the ins and outs of credit reporting laws. If your credit report has discrepancies or errors, Safeport Law has the expertise to challenge and correct them.
Start with a free consultation to see if you’re a good fit for their services and discover how their team can assist you. Decide to move forward? Your attorney will request some personal details and pull your credit report at no charge.
The next step is thoroughly reviewing your credit report for any mistakes. You may have closed an account, but it still shows as open. Or there could be duplicate accounts listed with slight spelling variations. Safeport Law will identify these issues and work on getting them fixed.
Their personalized approach and in-depth legal knowledge make Safeport Law a standout choice for credit repair in Florida.
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Ovation – Best for Personalized Credit Repair Plans
Ovation is a trusted name in credit repair, offering Floridians personalized solutions to improve their credit scores. As a LendingTree company, Ovation combines national resources with customized support, ideal for individuals navigating credit challenges across the Sunshine State.
You’ll start your journey with a free consultation, where an Ovation credit expert reviews your credit history and recommends the right strategy based on your unique situation. Whether you live in Miami, Orlando, Tampa, or a smaller Florida town, Ovation’s digital-first model ensures easy access and responsive support statewide.
Ovation offers two affordable service tiers and tools like goodwill letters and personalized dispute options. Their team works to challenge inaccuracies such as outdated accounts, duplicate listings, and unverifiable collections.
For Florida residents looking to take control of their financial future, Ovation delivers a practical, flexible path to credit repair. Keep reading to see how Ovation compares to other leading credit repair companies serving Florida.
Florida Credit Repair Companies – Buyer’s Guide
What Is Credit Repair?
Credit repair seeks to enhance your low credit scores by eliminating questionable negative items from your credit reports. These items can include unverified hard credit inquiries and incorrect reports of late payments, defaults, collections, and bankruptcies.
Negative credit information can impact your ability to secure a new job, rent an apartment, or obtain a mortgage, among other financial opportunities. Removing erroneous information can quickly elevate your credit score, often more swiftly than demonstrating creditworthy behavior alone.
How Much Does Credit Repair Cost?
Credit repair services typically charge a monthly fee ranging from $50 to $150. The duration of the service will affect the total cost; shorter repair processes mean fewer monthly payments. Many companies also require a one-time setup fee before they begin working on your case.
Although the cost might appear steep, it’s generally much less than the additional expenses incurred from higher interest rates or fees due to a depressed credit score caused by inaccuracies on your report.
More comprehensive packages may include extra services like FICO score updates, credit counseling, and identity theft protection. These packages often come with credit monitoring and educational resources to aid in rebuilding your credit.
How Do I Obtain Credit Repair Services?
Credit repair companies assist with correcting your credit reports if you’re unable to do so or prefer not to tackle the task yourself. Most companies start with a free consultation to determine how they can assist you.
Typically, you’d sign up for a monthly subscription service with a credit repair company. Most customers extend or cancel these subscriptions, which typically run four to six months, at any time. The cost varies based on the level of service you choose.
When comparing credit repair services, consider each company’s fees, including any setup charges. Examine each service tier to see what’s included and what could lead to extra charges. Standard services include:
- Reviewing your credit reports
- Initiating disputes with credit bureaus and creditors
- Monitoring disputed items until they’re resolved
- Educating clients on maintaining good credit management
Credit repair agencies work to resolve various issues, such as inaccuracies, outdated information, unverifiable data, and fraud. They’ll outline an action plan and timeline for disputing items on your credit reports.
Choose the company and service level that best fit your needs, considering whether you require the additional features that come with more expensive packages.
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What State Regulations Govern Credit Repair in Florida?
All credit repair firms in the US must adhere to federal regulations. The Credit Repair Organizations Act (CROA) safeguards consumers against unfair practices in the credit repair industry, such as false claims, charging for undelivered services, and misleading cost advertisements. Under CROA, credit repair agencies are required to provide consumers with a written contract for services and must perform these
The Fair Credit Reporting Act (FCRA) grants you the right to access your credit report, dispute inaccuracies, and receive free annual reports. The FCRA also stipulates conditions under which your credit report can be accessed, how long information can remain on your report, and how employers and businesses can use this information. The Federal Trade Commission enforces both the FCRA and CROA.
In Florida, the Florida Department of State and the Attorney General, under the Florida Credit Service Organizations Act (FCSOA enforce additional protections). This includes prohibitions against:
- Charging for services before they’re fully delivered unless the company has a surety bond and places the fees in a trust account until services are completed
- Charging for publicly available credit account referrals
- Making false or misleading statements to credit bureaus or creditors
- Engaging in fraudulent or deceptive practices
The Florida statute also mandates:
- Surety Bonds: Credit repair companies must secure a third-party bond to cover potential damages, with a bond amount typically being $10,000
- Licenses and Permits: While the state doesn’t require a specific credit repair license, local jurisdictions might require business licenses or permits
- Contract Requirements and Disclosures: Companies must comply with detailed requirements outlined in Section 817.704
- Cancellations and Refunds: Customers have five business days to cancel contracts, with a full refund issued within ten days of cancellation
Under Section 817.703, Florida law requires credit repair services to provide a detailed information statement that includes:
- The customer’s right to review their credit files
- The right to access credit files for free within 30 days following a credit denial (and the cost, if applicable)
- The right to dispute incorrect information in their credit reports
- The limitation is that accurate, non-expired information cannot be permanently removed from credit reports
- A detailed description of the services and costs offered by the credit repair organization
- The ability to claim against the company’s surety bond or trust account
Additionally, Section 817.703 of state law mandates that credit repair services provide customers with an information statement detailing the following:
- A detailed description of the consumer’s rights to inspect their credit bureau files
- The entitlement to access credit bureau files at no cost within 30 days following a denial of credit
- The fee that the credit bureau may charge if the request for files isn’t associated with a credit denial
- A clear and thorough declaration of the consumer’s rights to contest inaccuracies on their credit reports
- Confirmation that major credit bureaus cannot permanently remove accurate, non-expired information from their reports
- An exhaustive description, including the costs, of the services a credit repair organization will provide
- Information that consumers may pursue claims against the credit repair company’s surety bond or trust account
The document must also include the trust account depository’s name, address, and account number or the surety bond issuer. Credit repair organizations must retain a precise copy of each issued statement, personally signed by the consumer acknowledging receipt, for five years.
>> Fast Credit Repair Service in Florida: Credit Saint >>
Florida Credit Repair Companies – FAQs
How Long Does a Repo Stay on Your Credit Report?
A car repossession, among other negative entries, can remain on credit reports for up to seven years from the date of the initial loan delinquency. Credit repair cannot remove legitimate negative entries, including repossessions, during this period if they’re accurately reported.
Do Credit Repair Companies Work?
Yes, credit repair companies effectively use legal protections to address issues on credit reports. This includes requesting the removal of inaccurate negative items. Everyone has the right to an accurate and fair credit report.
If someone mistakenly reports a payment late or if someone experiences fraud, credit bureaus must investigate and correct the inaccuracies.
How Long Does It Take to Repair Credit?
Credit bureaus can resolve minor inaccuracies on a credit report within 30-45 days, as this is their standard timeframe to investigate and respond to a dispute letter. However, if the creditor substantiates the negative entry with evidence, it might take longer for individuals to contest this information successfully.
- Inaccurate late payment: Typically resolved within 30-45 days
- Inaccurate missed payment: Typically resolved within 30-45 days
- Multiple discrepancies involving various creditors: May take a few months
- Fraud or identity theft: Resolution could take several months to over a year
- Rebuilding poor credit: Positive changes can occur within a few months, though establishing a strong credit score is a long-term effort
Can I Repair My Own Credit?
Individuals can indeed manage their own credit repair using the same tools as professional companies, such as dispute letters. However, this process requires significant research and administration, areas where credit repair professionals excel due to their expertise and efficiency.
They also pursue disputes more aggressively than an individual might, particularly if you’re balancing other responsibilities.
Conclusion
Rebuilding your credit takes time, but the right help can make the journey smoother and more effective. The top Florida credit repair companies of 2025 offer expert guidance, personalized strategies, and real results.
Whether recovering from past financial challenges or aiming for better credit opportunities, these trusted services can help you take control. Choose the one that best fits your needs and budget. A stronger credit future starts with the right support.
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