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Best Credit Repair Companies in West Palm Beach, FL

Dec. 9, 2019, 6:07 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.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. WPTV may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
Credit Saint

Improve your credit score!

VISIT WEBSITE
CALL CREDIT SAINT
(478) 845-6310
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#1 MOST POPULAR
Credit Saint
Credit Saint
Features
  • Free credit consultation
  • Available in West Palm Beach
  • Most comprehensive credit repair assistance available
  • BBB accredited business
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VISIT WEBSITE
CALL CREDIT SAINT
(478) 845-6310
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#2
Lexington Law
Lexington Law
Features
  • Over 10 years experience
  • Free credit report summary
  • Available in West Palm Beach
  • Free credit report summary
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VISIT WEBSITE
CALL LEXINGTON LAW
(855) 620-5873
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#3
The Credit People
The Credit People
Features
  • Get started for just $39
  • No hidden fees or added costs
  • Unlimited disputes
  • Available in West Palm Beach
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VISIT WEBSITE
CALL THE CREDIT PEOPLE
(877) 696-3650
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#4
Creditrepair.com
Creditrepair.com
Features
  • 24/7 tracking
  • Available in West Palm Beach
  • Personalized help
  • $99.95/month
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VISIT WEBSITE
CALL CREDITREPAIR.COM
(833) 334-6899
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#5
Sky Blue Credit Repair
Sky Blue Credit Repair
Features
  • Available in West Palm Beach
  • 90-day satisfaction guarentee
  • Disputes 15 items every 35 days
  • Best in class support
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VISIT WEBSITE
CALL SKY BLUE CREDIT REPAIR
(888) 751-6072
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#6
The Credit Pros
The Credit Pros
Features
  • Lifetime guarentee
  • Multiple payment options
  • Free mobile app
  • Available in West Palm Beach
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VISIT WEBSITE
CALL THE CREDIT PROS
(844) 441-1397
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#7
Matrix Score System
Matrix Score System
Features
  • Clients have seen 120+ point credit score gain
  • Over 20 years of experience
  • No monthly service fees
  • Constant communication
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Location
2385 NW. Executive Center Dr., Ste. 100
Boca Raton, FL 33431
(561) 745-0088
#8
First Choice Credit Management
First Choice Credit Management
Features
  • Custom savings plan
  • Customers have seen 75% in settlement savings
  • Settle millions of dollars each month
  • Lower repayment amount than many other programs
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Location
1665 Palm Beach Lakes Blvd., Ste. 800 W
Palm Beach, FL 33401
(561) 935-1958
#9
Total Credit Rehab
Total Credit Rehab
Features
  • 24/7 access
  • Award winning results
  • Frequent email and text alerts
  • Free credit evaluation
Read More
Location
1897 Palm Beach Lakes Blvd., Ste. 209
West Palm Beach, FL 33409
(561) 653-1437

Credit repair in West Palm Beach

West Palm Beach Skyline

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

Credit Saint

CALL CREDIT SAINT

(478) 845-6310 VISIT CREDIT SAINT

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.

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Lexington Law

Lexington Law

CALL LEXINGTON LAW

(855) 620-5873 VISIT LEXINGTON LAW

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.

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The Credit People

The Credit People

CALL THE CREDIT PEOPLE

(877) 696-3650 VISIT THE CREDIT PEOPLE

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.

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Creditrepair.com

Creditrepair.com

CALL CREDITREPAIR.COM

(833) 334-6899 VISIT CREDITREPAIR.COM

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.

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Sky Blue Credit Repair

Sky Blue Credit Repair

CALL SKY BLUE CREDIT REPAIR

(888) 751-6072 VISIT SKY BLUE CREDIT REPAIR

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.

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The Credit Pros

The Credit Pros

CALL THE CREDIT PROS

(844) 441-1397 VISIT THE CREDIT PROS

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.

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Matrix Score System

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

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

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.