Stop letting banks overcharge you. From Winter Garden to Maitland, we help Florida families delete collections, fix errors, and improve their credit scores.
(407) 606-7117★ 4.9 · 86 Google reviews · Free consultation · No upfront fee
See how much a low credit score is really costing you in interest
30-year fixed · $50,000 – $1,500,000
$256,239
extra over the life of the loan
+$712
Extra Every Month
$2,761
per month
$2,049
per month
* Rates shown are estimates based on national averages and may vary by lender, location, and other factors. Mortgage base rate sourced from the Federal Reserve (FRED). This calculator is for educational purposes only and does not constitute financial advice.
First, we take a close look at your credit and determine which questionable negative items are wrongfully hurting your score.
Next, we ask the bureaus and your creditors to verify these negative items as accurate and fair. If they can't, they are required to remove them.
As you work to manage your credit wisely, we continue to leverage the law for your credit, addressing new credit issues as they appear.
Eight focused services, each backed by Florida-specific statutes and dispute tactics. Click any service to see exactly how we handle it.
Medical, utility, toll-by-plate, credit card
Hospital, ER, ambulance, specialty clinic bills
Credit card and loan write-offs
Florida judicial foreclosure errors
FL Statute 679.6141 post-repo violations
FL Statute 55.081 dormancy disputes
IRS Fresh Start + FL DOR liens
Default, deferment errors, forgiveness updates
Located in
Winter Park, FL
Hi, I'm Matt Brody.
If you've called other credit repair companies, you know the drill. You talk to a salesperson, pay a fee, and then... silence.
I started Freedom Credit Repair in Winter Garden because I was tired of seeing good families get ripped off by big national chains.
My wife Xia and I are raising our four kids right here in Central Florida. We know that a bad credit score isn't just a number—it's the wall keeping you from that new house or car.
When you hire us, you don't get a robot. You get me, my team, and a relentless fight to fix your credit.
Tens of millions of Americans have errors on their credit reports that are harming their credit
A single negative item can cost you triple digit decreases to your credit
My score improved by over 100 points in the first month! I can't believe this actually worked. Thanks so much Matt!
Kelly Rigles
Winter Park, FLWith the full refund offer, I figured there was nothing to lose. It got my score over 700 and now I'm buying my first home.
Jake Paisley
Maitland, FLI CANNOT BELIEVE THE TURNAROUND!!! It was faster than I thought and my score is still going up. Can't wait to hit 800!
Kristina Ayles
Orlando, FLLocal credit repair, anywhere in Central Florida. Click your area for a page tailored to local credit issues and lenders — or see our statewide credit repair Florida service.
Not listed? We serve all of Florida.
Florida-specific guides on credit reports, disputes, and rebuilding your score. Written by our team.
Debt collectors count on you not knowing your rights. Here's exactly how to write a cease and desist letter that legally forces them to stop calling — plus a free template and the Florida-specific laws that protect you in 2026.
Read More →A Florida-specific roadmap to disputing and removing inaccurate, unverifiable, or outdated negative items — from collections and charge-offs to medical debt, judgments, and toll-by-plate junk. Written by an Orlando credit coach who's been at this since 2019.
Read More →If something on your credit report is wrong, federal and Florida law are squarely on your side — and most people have no idea how much leverage they actually hold. Here's the plain-English map of your FCRA, FDCPA, and Florida rights, plus where to go next for the exact step-by-step.
Read More →Yes. Credit repair is fully legal and protected under the federal Credit Repair Organizations Act (CROA) as well as Florida’s own consumer protection laws. You have the right to dispute any inaccurate, incomplete, or unverifiable information on your credit report.
Every credit report is different, but most of our Florida clients see significant progress within 30 to 90 days. We begin sending dispute letters within 24 hours of enrollment and provide updates after every bureau response.
Yes. We leverage both federal law and Florida’s statute of limitations to challenge inaccurate or unverifiable medical debt on your credit report. Many medical collections contain reporting errors that make them eligible for removal.
We know the local creditors, collection agencies, and Florida-specific laws—like Statute 95.11 (statute of limitations)—that national “mills” often overlook. You also get direct access to our team, not a call center.
Our pricing is straightforward: a one-time setup fee plus a flat monthly rate while your case is active. No long-term contracts, no per-deletion charges. Most clients invest about the same as a streaming service subscription and see results within the first 30-90 days. Call us at (407) 606-7117 for current pricing.
When the items on your report are inaccurate, incomplete, or unverifiable, yes—removal is a legal right under FCRA. The work is paperwork-intensive: pulling your reports, identifying every item that can be challenged, drafting dispute letters that cite the right statutes, and following up after each bureau response. A specialist who does this every day is faster and more thorough than a DIY attempt.
They’re the same thing—different marketing terms for the same service. Both refer to identifying and disputing inaccurate, outdated, or unverifiable information on your credit reports with the three bureaus (Experian, Equifax, TransUnion).
Often, yes. National “mills” use template letters that bureaus reject quickly. We write each dispute to the specific item, cite Florida-specific statutes where relevant, and follow up case-by-case. If we genuinely can’t help your situation, we’ll tell you up front on the free consultation.
