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Best Credit Repair Companies in Tallahassee, FL

Dec. 9, 2019, 6:01 p.m.

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.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. ABC 27 may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
Sky Blue Credit Repair

Improve your credit score!

VISIT WEBSITE
CALL SKY BLUE CREDIT REPAIR
(888) 751-6072
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#1 MOST POPULAR
Sky Blue Credit Repair
Sky Blue Credit Repair
Features
  • Quickest dispute pace
  • 90-day money-back guarantee
  • Over 25 years in business
  • Available in Tallahassee
Read More
VISIT WEBSITE
CALL SKY BLUE CREDIT REPAIR
(888) 751-6072
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#2
Lexington Law
Lexington Law
Features
  • All 3 credit reports included for free
  • Available in Tallahassee
  • More than 500,000 clients helped
  • Cancel anytime
Read More
VISIT WEBSITE
CALL LEXINGTON LAW
(855) 620-5873
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#3
Credit Saint
Credit Saint
Features
  • 90-day money-back guarantee
  • Build new credit
  • Available in Tallahassee
  • 3 levels of service
Read More
VISIT WEBSITE
CALL CREDIT SAINT
(478) 845-6310
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#4
The Credit People
The Credit People
Features
  • No hidden fees or added costs
  • Debt & inquiry validations
  • 24/7 account access
  • Available in Tallahassee
Read More
VISIT WEBSITE
CALL THE CREDIT PEOPLE
(877) 696-3650
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#5
The Credit Pros
The Credit Pros
Features
  • No limit to number of disputes
  • Money-back guarantee
  • Consult a FICO-certified pro
  • Available in Tallahassee
Read More
VISIT WEBSITE
CALL THE CREDIT PROS
(844) 441-1397
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#6
CreditRepair.com
CreditRepair.com
Features
  • Personalized consultation
  • Custom professional disputes
  • Track progress in app 24/7
  • Available in Tallahassee
Read More
VISIT WEBSITE
CALL CREDITREPAIR.COM
(833) 334-6899
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Credit Rx
Credit Rx
Features
  • M-F: 10am - 5pm
  • Closed Sat and Sun
  • thecreditrx.com
Location
267 John Knox Rd., Ste. 206
Tallahassee, FL 32303
(850) 298 - 8904
Credit360
Credit360
Features
  • M-F: 9am - 7pm
  • Sat: 11am - 1pm
  • Closed Sun
  • credit360.biz
Location
1400 Village Square Blvd., Ste. 3-81121
Tallahassee, FL 32312
(850) 463 - 0360
Ovation Credit Services
Ovation Credit Services
Features
  • M-F: 8am - 9pm
  • Sat: 9am - 5:30pm
  • Closed Sun
  • ovationcredit.com/fix-credit-tallahassee-fl
Location
9143 Philips Hwy., Ste. 560
Jacksonville, FL 32256
(866) 639 - 3426

Credit repair in Tallahassee

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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

Reputable company Scam company
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

The Consumer Financial Protection Bureau has a list of warning signs to watch out for and a guide on how to verify the lender is reputable. The Credit Repair Organizations Act also lists disclosures credit repair companies must make and rules they must follow.

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 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.

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Lexington Law

Lexington Law

CALL LEXINGTON LAW

(855) 620-5873 VISIT LEXINGTON LAW

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.

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Credit Saint

Credit Saint

CALL CREDIT SAINT

(478) 845-6310 VISIT CREDIT SAINT

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.

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The Credit People

The Credit People

CALL THE CREDIT PEOPLE

(877) 696-3650 VISIT THE CREDIT PEOPLE

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.

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The Credit Pros

The Credit Pros

CALL THE CREDIT PROS

(844) 441-1397 VISIT THE CREDIT PROS

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.

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CreditRepair.com

CreditRepair.com

CALL CREDITREPAIR.COM

(833) 334-6899 VISIT CREDITREPAIR.COM

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.

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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.