A bad credit score can prevent you from qualifying for loans or getting the best interest rates. Potential employers or landlords also look at your credit history. Mistakes and inaccuracies on your credit report result in a lower credit score than you deserve. Our partners at ConsumerAffairs researched the best credit repair in Tallahassee to help improve your score.
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Floridians have an average credit score of 668. At 648, Tallahassee’s average credit score is 20 points lower than the state’s average, meaning many Tallahassee residents have a poor credit rating. Credit ratings are a determining factor when Tallahassee residents:
Buy a home
Lease a car
Apply for a credit card
Obtain a loan
Rent an apartment
Credit reporting agencies determine your credit score by looking at your credit utilization ratio, payment history, length of credit history, new accounts opened and the variety of credit types you have. Each of the three national credit rating bureaus (Equifax, Experian and TransUnion) uses a formula that rates these factors differently.
Mistakes on your report can lead to a low credit score that is not an accurate reflection of your creditworthiness. These mistakes can result from identity theft, improper reporting or items being left on your credit history after they should have been removed. Improper entries can result in higher interest rates on loans or application denials when the lender bases a decision on your credit score.
How credit repair in Tallahassee works
Credit repair companies request copies of your credit history from the national rating bureaus and look for inaccurate entries. Once these are identified, the company disputes these items on your behalf and attempts to have them removed, which raises your credit score.
Federal regulations prevent credit repair agencies from charging fees upfront, although you may need to pay a small initial cost to cover the price of obtaining your credit reports. Most credit repair agencies charge a monthly rate, though some request payment on a per-removal basis.
The credit repair process can take from six months to a year to see full results, though items may be removed from your report in as few as 30 days.
How to avoid credit repair scams
Consumers should beware of unscrupulous credit repair companies. Some of these companies guarantee to raise your credit score by a specific number of points or claim they can remove legitimate entries on your credit report. These scam businesses usually charge a large upfront fee and then disappear without doing any work on your behalf.
Spotting a scam credit repair agency in Tallahassee
Transparent about the credit repair process and can answer questions
Will not answer specific questions about the services they provide
Clear about costs, fees and the services provided by the company
Requests a large upfront payment before beginning repair
Honest about expectations and achievable results
Makes unrealistic promises of quick credit score changes
Has experience and good reviews from previous customers
Has little experience and poor or no customer reviews
Sky Blue Credit Repair combines a user-friendly experience with a 90-day money-back guarantee. The company disputes as many as 15 items every 35 days, so customers know Sky Blue Credit Repair is working efficiently. Tallahassee clients appreciate the helpful advice given by Sky Blue Credit Repair’s representatives.
Lexington Law has three different service plans, letting Tallahassee residents pay for only the level of credit repair help they need. The company’s website contains helpful resources that teach customers how to stay in control of their credit scores after they have been repaired. Reviews from Tallahassee recommend the company for its quick communication.
Credit Saint puts a team of specialists on your case to get you the results you need. The company’s online account page makes it easy to know what's going on and what's being done to repair your credit. Customers in Tallahassee praised Credit Saint’s transparency and the variety of plans available for every budget.
The Credit Repair People charges a single monthly or flat-rate price that includes unlimited disputes and a satisfaction guarantee. The company has more than 15 years of experience and provides 24/7 account access so you can keep up with the progress of your case. Tallahassee residents praise the company for its efficiency.
Signing up with The Credit Pros is simple and can be done in less 90 seconds. Customers get credit monitoring at no additional charge and an action plan crafted with a FICO professional to get the best results. Tallahassee residents like how honest and transparent the company’s representatives are about the credit repair process.
Creditrepair.com has an established three-step process to raise credit scores an average of 40 points in four months. The company charges no upfront fees, and customers can track their progress using a personal online dashboard and mobile app. Customers in Tallahassee are delighted at the results Creditrepair.com obtained.
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.