Everything you need to know about credit repair in Florida.
We can't guarantee a specific timeline — every client's situation is different, and results depend on the types of negative items on your report and how quickly bureaus and creditors respond to disputes. What we can tell you is our purpose: we're here to get you mortgage-ready, so we work to improve your credit as fast as possible. Most clients who follow our guidance closely see meaningful results in about 6–7 months, though it can be faster or slower depending on your starting point and how closely you follow the action plan we give you.
Yes, 100%. Under the Fair Credit Reporting Act (FCRA), every consumer has the legal right to dispute inaccurate, incomplete, or unverifiable information on their credit report. Credit repair companies help you exercise these rights professionally and effectively.
We can only dispute items that are inaccurate, unverifiable, or reported in violation of the FCRA. We cannot legally remove accurate, verifiable negative items. However, many items that appear accurate actually contain errors in reporting dates, amounts, or account status — and those can be disputed.
Our plans are simple: Individual plan is $99/month. Husband & Wife plan is $189/month. There are no setup fees, no hidden fees, and no long-term contracts. You can cancel at any time.
Yes. We work with Equifax, Experian, and TransUnion simultaneously. Different lenders pull from different bureaus, so it's important to clean up all three reports — not just one.
No. Disputing items on your credit report does not negatively impact your credit score. In fact, as negative items are removed and positive history grows, your score improves over time.
Absolutely. Getting mortgage-ready is one of our specialties. We know exactly what credit scores lenders require for FHA, VA, Conventional, and other loan programs in Florida, and we tailor our work to help you qualify as fast as possible.
¡Sí! Hablamos español y atendemos con gusto a toda la comunidad hispana de Florida. Puede llamarnos al 954-400-0488 y lo atenderemos en su idioma.
Yes! We serve clients throughout the entire state of Florida — from Miami and Fort Lauderdale to Orlando, Tampa, Jacksonville, and everywhere in between. All services are available remotely, so location is never an issue.
As soon as you know you'll need financing — don't wait until you're 2–3 months from your lease expiring to reach out. Disputes take time to work through the bureaus, so the earlier you start, the more runway we have to get your score where it needs to be before you're under pressure to qualify. If buying a home is on your horizon at all, it's worth starting the conversation now.
Just enroll online — pick the Individual or Couples plan on our enrollment page and you're set up in minutes. Prefer to talk it through first? Call us at 954-400-0488 and we'll walk you through everything and get you started over the phone.
Jorge is also a licensed mortgage broker at MyFloridaMortgages. He knows exactly what lenders need to see — because he's the one reviewing the file on the other side. When your score is where it needs to be, the handoff is seamless. FHA, Conventional, VA, DSCR, Bank Statement, and more.