Credit Repair Florida — Statewide
From Pensacola to Key West, we help Florida families dispute inaccurate collections, fix credit report errors, and boost scores using FL Statute 95.11 and the federal Fair Credit Reporting Act.
(407) 606-7117★ 4.9 · 89 Google reviews · Free consultation · No upfront fee
Why Florida residents need a Florida credit repair company
Florida has the third-largest population in the U.S. and one of the highest rates of consumer debt collection activity in the country. The state's shorter statute of limitations on debt (4-5 years for most accounts, under FL Statute 95.11) means that many of the collection items showing up on Florida residents' credit reports are actually outside the legal window for collectors to sue — but the bureaus don't automatically remove them. Someone has to file the dispute, cite the statute, and follow up.
That's where a Florida-focused credit repair company has a real advantage over national “mills.” We know Florida's Consumer Collection Practices Act (Chapter 559) gives consumers additional rights beyond the federal FDCPA. We know which Florida collection agencies routinely violate validation procedures. We know how Florida courts handle judgment renewals and which judgments are dormant under FL Statute 55.081. National companies that operate in 50 states don't learn this — they send generic dispute templates and hope.
Whether you're in Orlando, Winter Park, Kissimmee, Winter Garden, Apopka, Sanford, Altamonte Springs, Maitland, Tampa, Jacksonville, Miami, or the Panhandle — we handle every dispute in-house, file directly with all three bureaus, and update you after every bureau response.
What we remove from Florida credit reports
Collections
Including medical, utility, and toll-by-plate collections common across Florida
Medical debt
Florida hospitals and ERs are aggressive about reporting — most are inaccurately reported
Charge-offs
Old credit card and auto loan charge-offs, including ones past FL Statute 95.11
Foreclosures
Florida had one of the worst foreclosure rates post-2008 — many are still on reports
Repossessions
Florida vehicle repossessions under FL Statute 679.6141
Tax liens
Federal and FL Department of Revenue tax liens
Judgments
FL judgments and out-of-state judgments domesticated here
Student loans
Default, deferment errors, UCF and other FL school account issues
What our clients say about us!
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, FLFlorida laws and statutes we use to your advantage
- FL Statute 95.11(2)(b) — 5-year statute of limitations on written contracts (most credit card and loan agreements). After 5 years, collectors generally can't sue you, and we can challenge older items.
- FL Statute 95.11(3)(k) — 4-year statute on open accounts and oral contracts.
- FL Statute 559 (FCCPA) — Florida's Consumer Collection Practices Act gives you rights beyond the federal FDCPA, including the ability to sue for violations.
- FL Statute 679.6141 — Governs vehicle repossession procedures. Violations of post-repo notice requirements can invalidate the deficiency balance and the credit reporting.
- FL Statute 55.081 — Judgments are good for 20 years but may be dormant after 7 years without renewal.
- Federal FCRA (15 U.S.C. § 1681) — The foundational law. We use it to demand bureaus verify every disputed item within 30 days.
What credit repair costs in Florida
Our pricing is flat and predictable: a one-time setup fee plus a flat monthly rate while your case is active. No per-deletion fees, no long-term contracts, no surprise charges. You'll know the exact numbers before you commit to anything.
One thing every Floridian should know: under the federal Credit Repair Organizations Act, a credit repair company cannot charge you before the promised work is performed. A company demanding a large payment up front is showing you a red flag. See how our pricing works →
How to choose a credit repair company in Florida
Florida regulates credit service organizations under Chapter 817 of the Florida Statutes, and federal law adds protections on top. Before you hire anyone — including us — check these four things:
- Florida compliance. Ask whether the company meets Florida's credit service organization requirements, including any applicable registration and bonding.
- Your CROA rights. You're entitled to a written contract, three business days to cancel without charge, and no fees before services are actually performed.
- FTC red flags. Walk away from anyone who guarantees a specific score increase, advises you to dispute accurate information, suggests a "new credit identity" (that's illegal), or demands full payment up front. The FTC's guide to spotting credit repair scams is worth five minutes of your time.
- Realistic claims. Legitimate credit repair disputes inaccurate, unverifiable, and misreported items. No one can promise removal of accurate, verifiable information — and no one should.
Where we stand: written contract, cancellation rights honored, flat pricing, and no charges before work is performed.
One process, all 67 counties
Credit repair is paperwork and law — pulling your three bureau reports, drafting disputes that cite the right statutes, and tracking every response deadline. None of that requires an office visit, which is why our Winter Garden team serves every corner of the state:
- Tampa – St. Petersburg: full dispute service for Bay-area collections, charge-offs, and medical debt.
- Miami – Fort Lauderdale: South Florida clients work with us entirely by phone and email — same statutes, same process.
- Jacksonville: Northeast Florida disputes, including out-of-state judgments domesticated in Duval County.
- Tallahassee: capital-region service with the same FL Statute 95.11 leverage.
- Cape Coral – Fort Myers: Southwest Florida collections disputes, including storm-related financial hardship fallout.
- Port St. Lucie & the Treasure Coast: reports, disputes, and follow-ups handled entirely remotely.
Florida Credit Repair FAQs
Is credit repair legal in Florida?
Yes. Credit repair is fully legal in Florida and protected under federal law — the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA) give you the right to dispute any inaccurate, outdated, or unverifiable item on your credit report. Florida also regulates the industry: a legitimate Florida credit repair company can't charge upfront fees before work is performed and can't promise results it can't deliver. We follow both CROA and Florida law to the letter — you only ever pay for work we actually do.
How is Florida credit repair different from other states?
Florida has its own statute of limitations on debt (FL Statute 95.11) — generally 5 years for written contracts and 4 years for open accounts and oral contracts. That's shorter than many states, which means more debts on Florida residents' reports may be out-of-statute and challengeable. Florida also has consumer protections under FDCPA at the state level (Florida Consumer Collection Practices Act, Chapter 559) that give us additional leverage with in-state collection agencies.
Do you serve all of Florida or just Orlando?
We serve every county in Florida. Our office is in Winter Garden (just outside Orlando), but credit repair is entirely paperwork — pulling reports from the three bureaus, drafting disputes, tracking responses. Distance doesn't matter. We have active clients from Jacksonville, Tampa, Miami, Tallahassee, Naples, and the Panhandle.
How long does Florida credit repair take?
Most clients see meaningful changes within 30-90 days. The bureaus have 30 days to respond to each dispute (45 days if you've added information mid-investigation). Complex situations involving multiple bureaus, deeply rooted collections, or judgments can take 4-6 months. We send the first round of dispute letters within 24 hours of enrollment.
What does credit repair cost in Florida?
Pricing is flat: a one-time setup fee plus a flat monthly rate while your case is active. No per-deletion fees, no long-term contracts, no surprise charges. Most clients invest about the same as a streaming service subscription. Call (407) 606-7117 for current pricing — we'll quote you up front before you commit to anything.
Can you help if I live in Florida but my debts are from another state?
Yes. Once you're a Florida resident, Florida's statute of limitations applies to most collection efforts under "borrowing statutes." Out-of-state collectors trying to sue you here have to comply with Florida's shorter timelines. This is one of the most common situations we handle — people who moved to Florida and have old debts from another state still haunting their credit.
Is credit repair worth it in Florida?
If you have inaccurate, outdated, or unverifiable items on your report — yes, removal is your legal right under FCRA. Whether to hire a specialist vs. DIY comes down to time and expertise. The disputes have to cite the right statutes, target the right bureaus, and follow up on every response. Most people who try DIY get nowhere because they use generic templates that bureaus auto-reject. We do this every day.