Best Credit Repair Companies in West Palm Beach, FL
Aug. 16, 2019, 8:53 p.m.
A bad credit rating can have multiple consequences, including making it difficult for you to qualify for car loans and home mortgages. For the right customers, credit repair services can help raise your credit score so you are eligible for loans and can save money with lower interest rates. Our partners at ConsumerAffairs researched the best credit repair in West Palm Beach to help you find out if one is right for you.
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If you’re stuck with a low credit score, you’re not alone. Around 43 million Americans struggle with bad credit, which can create difficulties in your personal and financial life. It can keep you from getting a reasonable rate on home mortgages, car loans and credit cards.
Credit repair companies in West Palm Beach can offer you ways to repair your credit score. These specialists can guide you through the complex process of disputing incorrect negative items on your credit report, closing out old debts and gradually improving your credit score with proven strategies.
Types and cost of credit repair in Palm Beach
Credit repair companies in West Palm Beach offer a variety of services at different price levels. The basic service will include disputing false or unverifiable items on your credit report, and more expensive services may add benefits such as providing dedicated paralegals for one-on-one follow-up sessions. The process can take as little as a few months or as much as a few years, depending on your credit score, your goals and your debt load.
Once you decide on a credit repair company, the first step is for them to acquire your credit reports. The company may charge a fee for this service. After that, a representative from the company will review the reports to find items that should be disputed and will work to have those items removed from your credit history.
How to avoid credit repair scams in Florida
Before getting started, though, be aware that the credit repair industry is largely unregulated. These tips can protect you from fraud:
Avoid companies that demand upfront payment. Credit repair agencies are prohibited for asking for upfront payments for providing services. Although companies are allowed to request a fee to compensate for acquiring copies of your credit report, any request for money beyond that is a warning sign.
Beware any company that makes promises that sound too good to be true. It takes time to repair your credit, and any company that promises specific results in a short time frame is unlikely to be able to deliver on their promises.
Make sure the company can answer all your questions. If a company is unable to provide you with specific details about the credit repair process or definite answers on the cost of the service, it’s in your best interest to look for a different company.
Be aware that raising your credit score isn’t always a quick process, though a credit repair company can make it go more quickly. A good credit repair company will not only help you fix mistakes on your credit report to raise your score now, but also can provide education on how to keep your credit score high in the future.
Credit Saint is considered one of the most affordable credit repair companies and has an online portal so you can keep track of the progress of disputes. Reviewers in West Palm Beach report mixed experiences concerning customer service and were displeased that most of Credit Saint’s plans don’t offer dispute resolution services.
Lexington Law offers a free consultation and promises to work with integrity to help you repair your credit score. Reviewers say they were pleased with the personalized service they received from their dedicated paralegal and the help they received in credit disputes.
With over 310,000 unique credit reports processed by their team, The Credit People has thousands of satisfied customers. The Credit People offers low monthly pricing, free credit reports and an Unbeatable Satisfaction Guarantee. According to customers, The Credit People representatives clearly explain what needs to be done for improvement.
CreditRepair.com is one of the more expensive credit repair services available, but reviewers typically report a level of service that matches the higher price. With a simple, flat-fee pricing system and online tools that allow you to track dispute progress, CreditRepair.com is a solid choice for customers.
Sky Blue Credit Repair is a highly-rated credit repair specialist with an A+ rating from the BBB. Customers in West Palm Beach were pleased with the company’s solid service, competitive prices and plans that allow you to pause service for a month if you’re having budget issues.
The Credit Pros helps you dispute items on your credit report, and the company prides itself on providing tools to help people maintain their credit score once it has been repaired. Reviewers in West Palm Beach said the company’s representatives were friendly and easy to talk to, but some customers were put off by the initial setup fees.
Matrix Score System
With headquarters in downtown West Palm Beach, Matrix Score Systems receives praise for its straightforward, no-nonsense customer service, professionalism and attention to detail. The company has more than 20 years of experience and has helped hundreds of customers boost their credit scores.
First Choice Credit Management
First Choice Credit Management is a local credit repair specialist with good reviews from dozens of satisfied customers. Reviewers are happy with how First Choice went above and beyond to close accounts, get them the results they wanted and lower their loan and credit card interest rates.
Total Credit Rehab
Total Credit Rehab is a local company that believes in transparency and educating people so they can take control of their credit score. Its employees have earned praise from West Palm Beach residents for their professionalism, impeccable customer service and results-oriented approach. Reviewers also note the company’s dedication to one-on-one assistance.
Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.
Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.