Credit can be intimidating.

As a Credit Service Organization providing service to many clients across the country, Credit Repair of Florida manages the credit reporting dispute process against the credit bureaus and creditors on behalf of our clients and achieves strong consistent results. We are your Credit Specialist.

On one hand it’s an art because every consumer’s report tells a unique story. It’s important to understand how each person can leverage the federal and state laws to his or her benefit. On the other hand, it’s a science because we’ve developed a proven system that not only ensures compliance but also produces better results faster and for less cost than most Credit Repair companies can do.

We provide a FREE consultation and create an action plan to improve your credit. We specialize in collection removal, foreclosure removal, late payment removal, short sale removal, student loan removal and repossession removal, tax lien removal, inquiry removal, identity theft protection and much more!


What is credit?

Your credit consist of two main parts

YOUR CREDIT SCORE                                           YOUR CREDIT REPORT


These two work together!

So let's break this down

What is a credit score?

Q: What do the score              numbers mean?


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A: Your primary credit score, also known as myFICO®, is a 3-digit number between 300 – 850 and is a reflection of your five credit factors. It's almost like a financial reputation of sorts, and lenders use it to determine what kind of loans or credit cards you qualify for.

Find out your score today for FREE!

Q: How is this score          created? 

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A: Your credit score is actually generated from the information on your credit report. Five main credit factors are combined to form your score. Lenders and banks use this number to determine probability of you repaying them. Or else they become like a nagging fly

Q: What's considered a      good credit score or      a bad credit score?


A: As you can see from this chart, a good score is anything over 670. That means anything below 670 is borderline bad. Let me repeat that: having a 'fair' score is not good. Sure, fair is better than poor, but there's a big difference between a good score and a fair score. We're talking get your 'dream home' or 'that new car' kind of difference. Even a few points could make the difference.

Find out your score today for FREE!


What is a credit report?

Q: What's on my credit report?

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A: Your credit report contains things like your name and address, your loan information, credit limits, account names, credit history, credit inquiries, public record, collections, late payment information and of course, your credit score. It’s basically your entire financial history.

Q: How do things get        on my credit report?

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See what negative items are on your credit report

A: Creditors like banks, credit card companies, cell phone providers and even hospitals, report your payments to the credit bureaus. These bureaus (Experian, Equifax and TransUnion) keep a record of everything reported to them by your creditors. That includes the time you paid your bills late. Also, when that one debt went to collections. Oh, and when you filed bankruptcy? That’s on there too. These are called negative items, and typically, they have a negative impact on your score (surprise, surprise).

Q: How does my credit report affect my credit score?

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A: Every item on your credit report is factored into your credit score. They're 100% connected. That's why with credit repair, we focus on making sure your reports are fair, accurate and substantiated, by challenging creditors and the bureaus to verify questionable items.


How can I improve my

credit score?

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  • Work to get questionable, negative payment history removed from your credit report (that’s what we do!)

  • Pay down your debt to reduce your utilization ratio

  • Be older (sorry can’t help you there). The longer you’ve had credit, the better

  • Work to get any inaccurate hard inquiries removed from your credit report!)

  • Diversify your credit to have a mix of revolving, installment and other types of accounts