A bad credit score can spell a lot of rainy days, even in The Sunshine State. If that is the case with you though, we have good news — we’ve researched and listed the top services for credit repair Florida can offer. They can help you dispute and remove inaccurate items from your credit history which will ultimately result in more sunshine whenever you apply for a loan, want to buy a car, etc.
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Established in 2004, Ovation is a LendingTree company founded by a credit repair attorney team. The Florida-based company has helped improve over 120,000 credit profiles and, apart from its top credit repair services, is known for credit education and monitoring.
Improve Your Credit with Sky Blue
Sky Blue Credit is another top-rated credit repair company in Florida with a countrywide presence. The Boca Raton–based firm was founded in 1989 and offers an affordable, transparent payment plan to go with its tailored services. Its online portal that lets you track your cases effortlessly is also a significant plus.
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While LTJ Credit Boost, aka My Credit Jump, began providing credit repair services in Florida in 2017 only, its founder Lowell Jones has a much longer experience helping consumers improve their credit score. The Orlando-headquartered firm is known as much for its quick, affordable, and effective credit repair service as it is for providing credit coaching.
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Headquartered in Boca Raton, Credit Assistance Network is a relatively small firm compared to other credit repair companies in Florida. While its fee structure is on a per-deletion basis, fairly standard for the industry, this outfit stands out with the set of optional add-ons that many competitors don’t provide.
All credit repair firms in the US are governed by both federal and state laws. The set of laws governing the services for credit repair Florida is home to can be found in Part III of Chapter 817 of Title XLVI, summarized below.
We would recommend going through the statutes before engaging a firm or credit repair attorney in Florida. Since some top firms for credit repair services also provide credit counseling, reading Part IV of Chapter 817 may also prove useful.
A credit service organization (CSO) is anyone who performs any of the following services:
Unlike some other states, credit repair companies in Florida are not required to register with any government authority. That said, a credit repair company in Florida does need to obtain a surety bond of $10,000 issued by a recognized surety company. There is also no statewide law for credit repair licenses in Florida. Some cities or counties, however, may require firms to obtain a license to conduct business.
After executing a contract with the buyer, but before receiving any money, credit repair companies in Florida must provide the buyer with a written information statement containing the following information:
All Florida credit repair firms have to maintain a copy of such information statements signed by their buyers for five years.
The written, dated, and signed contract must include:
The firms for credit repair Florida hosts cannot:
Apart from being a top-rated credit repair law firm in Florida, Ovation Credit Services is also ranked in our list of the best agencies in the business in the US. There are good reasons for this, including its strong reputation and competitive pricing.
Its parent, LendingTree, is a reputed listed firm. Ovation has been consistently rated A+ by the Better Business Bureau. Highlights of the firm’s services include a free consultation, a dedicated case advisor, personalized strategies, and the full range of dispute resolution, credit monitoring, and credit-related education tools. The firm also boasts some of the best credit repair lawyers in Florida.
Ovation has two pricing plans, Essentials ($79/month) and Essentials Plus ($109/month). You are charged an enrollment fee of $89 with both plans. A $25-add-on gets you faster services, but the firm is known for efficiently handling cases in general. It also offers several discounts for seniors, military personnel, and couples.
One notable issue with the payment plans is that credit monitoring isn’t part of the Essentials plan. Other firms providing credit repair in Florida offer this vital feature, if available, across all payment plans. The other area that could use some improvement is the availability of support services. Currently, they are limited to EST working hours on weekdays and Saturdays.
With a history of over 30 years, Sky Blue Credit is among the most experienced credit repair firms across all our state listings. This experience itself counts for a lot in this business. The firm also offers several other advantages, as its glowing customer reviews prove.
These include in-house credit repair attorneys for Florida and a user-friendly client portal, one of the best we have seen among credit repair firms. You also get customized services, which ensure the right advice according to your specific needs, and a simple payment plan, which saves you the confusion of figuring out what services you should pick or forego.
The firm charges you $79 as a one-time review/setup fee, followed by $79/month. These fees are halved for a second customer if you are signing up as a couple. There’s a 90-day no-questions-asked money-back guarantee. Thanks to the portal, you can also cancel or pause your membership in seconds.
On the flip side, the firm doesn’t offer a free consultation, unlike other Florida credit repair lawyers and companies. There’s also no credit monitoring, so you will have to sign up with a third party if you need it. Finally, there’s an upper limit of 15 (5 per credit bureau) on disputes sent out per month. While the likelihood of reaching this number is low, not having a cap at all would have been better.
LTJ Credit Boost is one of the youngest among the top firms providing credit repair in Florida. However, thanks to the decade-plus experience of its founder, you will find many reviews commending the firm’s high-quality services. The firm’s website mentions quick results more than once and, based on the reviews, seems to deliver on this front.
There’s a lot more to like about this firm, including a clear breakdown of its credit restoration process on its website. After the free consultation, clients moving ahead with the process get access to a portal to track the progress of their different cases. A strong feature of this Florida credit repair firm’s approach is its focus on credit coaching. A form of personal finance assistance, this helps clients work toward their short- and long-term financial objectives.
The payment structure is straightforward, with $15 charged for every deletion. Note that this is on a per-credit bureau basis, meaning that if the same item is deleted in three different reports, you’ll pay $45.
The firm also applies a compulsory credit audit fee of $199.99. It is the equivalent to what other Florida credit repair firms call an enrollment or first-service fee. The website also mentions a monthly cost of $21.99 for credit reports; customers should get this clarified before entering into a contract.
Credit Assistance Network has been a Florida credit repair company since 2004. It’s a small team of finance professionals, which means that you are likely to get a more personalized service compared to a large firm. At the same time, you may have to work with fewer resources, as reflected in the absence of credit monitoring services, lack of in-house Florida credit repair lawyers, or even the outdated website design.
The firm offers most standard services like a free consultation, sending dispute letters, and creditor intervention. It also has add-ons like settlement offer assistance, identity theft resolution, and security clearance assistance. The website does not mention the charges for these add-ons, so you need to work out the related costs when entering a contract.
We like that the firm charges on a per deletion basis, which means you pay for actual results. Its one-time enrollment fee, while a bit high, is comparable to the other services for credit repair Florida can offer. The fee component that surprised us was the per deletion per bureau charge of $50. If you have too many items needing deletion, this can add up to a considerable expense.
Being a small firm, it also does not have as many reviews as bigger competitors. The ones available are mostly positive and praise its efficient services. That said, the high fee still seems unjustified.
While having inaccurate items on your credit report is never a good thing, it’s always an advantage to know who you can all of that does happen. If you live in The Sunshine State and need credit repair, Florida does have a lot to offer, as evidenced by our reviews. Just make sure to check if their catalog includes the exact service you need and that you are comfortable with the price tag, and you’re good to go.