Florida Credit Repair

E

emily Lopez

Member
My credit score has been stuck in the low 600s ever since a medical bill collection went sideways a few years ago. I’ve been paying all my bills on time since then, but it hasn’t really moved much.

Lately, I’ve been seeing ads for different credit repair services in Florida, but I can’t tell if they’re actually legit or just another way to waste money. The whole process feels a bit confusing, and I don’t want to throw cash at something that won’t help.

Has anyone in Florida worked with a credit repair company that actually made a difference? Would love to hear about your experiences good or bad.
 
I used a local Florida company called Credit Saint a couple years ago. They actually helped remove two medical collections and a late utility account. It was slow (like 5-6 months), but my score went from 590 to around 680. Not magic, but it helped. Just be careful......they’re not all created equal. Some just send templated letters and charge you monthly for it.
 
Man i totally feel you. I had a $200 ER bill sent to collections while I was literally in surgery. Been climbing out ever since. I’m also in Florida and looked into a few services but ended up fixing things myself using resources from r/personalfinance. It’s slow, but it’s free and feels more in my control.
 
Be careful with credit repair companies, especially the ones with super slick websites and vague promises. A lot of them use scare tactics and then just dispute everything blindly. You can do the same disputes yourself via mail or online, and for free. Unless you’re really overwhelmed, save your money.
 
I swear, Florida has more credit repair ads than it does gators. One day I Googled fix credit, next day my inbox looked like a NASCAR sponsorship board. If your gut says it’s sketchy, it probably is.
 
I used Lexington Law back in 2021. They're pricey but got two negatives off my report within 6 months. However, they couldn’t touch the big charge-off from AmEx. Mixed results, honestly. Not a scam, but definitely not magic either. Your mileage may vary.
 
Honestly, check if the medical debt qualifies under the new credit reporting rules. As of 2023, most paid medical collections under $500 are removed from your report. If yours should’ve dropped off but hasn’t, dispute it directly with the bureaus.
 
The best credit repair company in Florida? Grandma. She sat me down, made me call every collections agency and negotiate like a mob boss. I’m up to 720 now. 10/10, would recommend Nana’s Fix-It Service.
 
Here’s a thing most don’t realize: many of these companies just send form letters to Equifax, Experian, and TransUnion. It might work temporarily, but if the info is verified, it comes back. The Fair Credit Reporting Act gives YOU the right to dispute. You don’t need a middleman.
 
Has anyone here tried Safeport Law in Florida? I keep seeing their ads about legal-based credit repair. Is that any different from regular ones? I like the idea of an attorney being involved, but not sure if it’s worth the extra cash.
 
You’re not alone! Low 600s sucks, but it’s not the end. I was there for years until I got a secured credit card and kept it squeaky clean. Took 9 months, but I hit 700 last spring. Didn’t use a repair company, just time and discipline.
 
My friend used a place called Credit Captain out of Tampa and saw serious improvement. They had an actual onboarding process, reviewed his reports, and gave a game plan. Within 6 months, he was able to finance a car at decent interest. Not saying it’s for everyone, but that’s one Florida company that worked for him.
 
Honestly, I used an AI-powered app called Upturn and it helped me build a plan way cheaper than human-based repair. These companies bank on you not knowing your rights. If you're even moderately tech-literate, DIY is better.
 
Former credit union employee here. The best repair is time + good behavior + a few strategic disputes. Avoid any company that guarantees score increases. That’s not legal under the Credit Repair Organizations Act (CROA).
 
Bro, if I had a dollar for every time I heard “credit repair” on the radio in Orlando, I wouldn’t NEED good credit anymore. Just open a booth next to a gas station and yell DELETE YOUR DEBT IN 30 DAYS!
 
I used Sky Blue Credit and liked that they didn’t overpromise. Clean dashboard, no fluff. Took 8 months, and not everything came off, but it moved my score enough to refinance my car loan. Not all bad.
 
Look into Client Dispute Manager Software if you wanna take a DIY route. It’s what a lot of the pros use behind the scenes. You can monitor disputes, send letters, and track responses. There’s a learning curve but it’s empowering.
 
I actually did try Safeport Law last year! They were more responsive than others, and yes, the legal backing seemed to matter in disputes. But also... they’re expensive. If you’re tight on cash, might not be worth it.
 
You must log in or register to reply here.
Back
Top