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Find the Best Credit Repair in Orlando, FL

Credit repair services in Orlando can improve your credit score by disputing inaccurate credit report items. They are a useful resource if you need an advocate to work with the credit bureaus on your behalf. To help you make the first step towards good credit, we created this list of Orlando's best credit repair companies.

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Top 14 Orlando Credit Repair Companies

Sky Blue Credit Repair Read 82 Reviews

Charges $79 setup fee. Monthly fees start at $79. Typical customers see credit score improvement results within 30 days. Offers 90-day money-back guarantee. No cancellation charges. Available nationwide.

Learn More Call Now Toll Free (844) 729-7792
Lexington Law Read 1,566 Reviews

Provides free consultation and credit reports. Monthly fees range from $89.85 to $129.95. Customers see results within six months. No money-back guarantee. Cancel services anytime. Not available in Oregon or North Carolina.

The Credit Pros Read 37 Reviews

Setup fees range from $19 to $149. Monthly fees from $19 to $119. No money-back guarantee. Cancel credit repair services any time. Available nationwide.

Learn More Call Now Toll Free (844) 335-5496 Read 28 Reviews

Charges one-time $14.99 fee to pull credit reports. Monthly fee is $99.95. Average credit score improvement results within six months. No money-back guarantee. Cancel account anytime. Available nationwide.

Credit Repair Orlando Read Expert Review

Provides no-obligation quotes for services. Negotiates with all credit reporting bureaus.

Credit Solutions Plus Read Expert Review

Provides free consultations. Specializes in late payments, charge-offs, collections, foreclosures, judgments, tax liens, repossessions and bankruptcies.

Credit Us Read Expert Review

Charges five monthly installments of $99 for credit repair services. The first installment includes cost for account set-up.

Great American Credit Repair Read Expert Review

Offers a free consultation where they examine your credit profile. Goes over steps they take to improve your score and how long it should take.

LTJ Credit Boost Read Expert Review

Reviews credit reports and writes disputes on clients’ behalf. Provides a secure client portal, where you can see your results in real-time, 24/7.

Mr. Credit Read Expert Review

Offers free consultations. Specializes in deletions of inaccurate information from your credit report. Works with Equifax, Experian, TransUnion and

Open Sky Credit Repair Read Expert Review

Offers free consultations. Do-it-yourself repair options complete with letter templates, education on how to dispute negative information with the credit bureaus for a one-time $199 fee.

Optimum Credit Pros Read Expert Review

Works with you by disputing negative information with each credit bureau. Clients typically see progress within 3 months and significant improvements in 6 months.

Orlando Florida Credit Repair Read Expert Review

Does not charge monthly service fees. Instead, pay a flat-rate of $299. Average credit repair process takes 30 to 45 days. Service is guaranteed.

Vilacom Credit Consultants Read Expert Review

Provides a consultation where they’ll outline services and costs. Uses the most up-to-date techniques to have incorrect or unverified information removed from credit histories.

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What to know about credit repair services in Orlando

The average credit score is
644 in Orlando

Considering Florida has the fourth-highest incidents of identity theft in the country, credit repair is becoming a needed service across the state. Credit repair agencies in Orlando work on your behalf to remove any inaccuracies found on your credit reports by sending dispute letters to the credit bureaus.

When searching for reputable companies, consider the services offered relative to your financial needs. If you want to improve your credit score, then a service that provides credit monitoring in addition to credit report disputes should be high on your list. Many credit card companies also offer tracking tools that deliver your FICO score with each monthly statement. This allows you to track how your score changes over time and which factors (if any) influenced it.

Credit repair regulations in Orlando

Orlando credit repair companies cannot legally ask you to make false statements to banks or lenders (this could include switching out Social Security numbers). Florida law also requires each credit repair company to have a $10,000 surety bond or a trustee and provide you with a written contract of services rendered.

According to the Florida Attorney General’s office, you can avoid credit repair scams by researching companies. Contact the local consumer agencies in your county if you have complaints or file legal action against a credit repair company.

Are credit repair scams common in Orlando?

Unfortunately, credit repair scams are common in Orlando. Some credit repair companies exploit Orlandoans with false promises such as saying they’ll remove any negative information from your credit report. However, you can run into a problem if the negative information on your credit history is accurate and valid. If this is the case, you can not erase it.

Orlando credit repair FAQ

Is credit repair legal in Florida?
Yes, companies can legally offer credit repair services in Florida. However, they cannot legally advise you to make false statements or remove negative marks from your credit report that are accurate.
How much does credit repair cost in Orlando?
Credit repair costs vary depending on the Orlando firm you work with and which services you need. On average, expect to pay $100 monthly for credit repair services.
Can I repair my own credit in Orlando?
Yes, you can repair your own credit in Orlando. However, this can be very time-consuming and frustrating. Start by ordering your credit reports for free. Once you receive your credit reports, inspect them for any inaccuracies and if you find any, notify bureaus, which then have 30 days to respond to your request.

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    Orlando credit repair company information

    Mr. Credit

    Mr. Credit examines your credit histories to determine factors that lower your scores, such as inaccuracies or outdated information. It works on your behalf to have misinformation removed from your credit score, so you’re in a better position to buy a home. During an initial consultation, you’ll receive in-depth information on how it can help you improve your credit score.

    • Service areas: Orlando metro area
    • Address: 5205 S Orange Avenue Suite D, Orlando, FL 32809
    • Phone: (407) 608-3105
    • Hours: M - F: 9am - 6pm
    • Website:
    Optimum Credit Pros

    Optimum Credit Pros work by importing all your credit reports into their database. From there, it questions each negative item’s validity with the credit bureaus. And if it cannot deliver results the first time to improve your credit score, the company gives you services for free for 3 months.

    • Service areas: Orlando metro area
    • Address: 111 N. Orange Ave. Suite 800, Orlando, FL 32801
    • Phone: (407) 930-1271
    • Hours: M - F: 9am - 6pm
    • Website:
    Great American Credit Repair

    Great American Credit Repair achieves results by disputing every negative mark on your credit reports. It pulls your credit history every 35 days to show you how disputing negative items improve your overall credit score.

    • Service areas: Orlando metro area
    • Address: 37 N. Orange Avenue, Orlando FL 32801
    • Phone: (407) 259-4491
    • Hours: M - Sun: 8am - 8pm
    • Website:
    Orlando Florida Credit Repair

    Orlando Florida Credit Repair first meets you in-person for a 60-minute consultation. From there, it will dispute every negative mark on your credit reports, with negative items removed within 45 days after dispute filing.

    • Service areas: Orlando metro
    • Address: 8815 Conroy Windermere Rd #612, Orlando FL 32835
    • Phone: (407) 610-6832
    • Hours: M - F: 10am - 7pm
    • Website:
    Credit Solutions Plus

    Credit Solutions Plus begins with a free consultation. From there, the company does a credit analysis and audit and follow up monthly with you if you choose to sign up for monitoring services.

    • Service areas: All across Orlando
    • Address: 6962 Aloma Avenue, Winter Park, FL 32792
    • Phone: (407) 605-5888
    • Hours: M - F: 9am - 5pm
    • Website:
    LTJ Credit Boost

    LTJ offers credit monitoring services to help you keep track of any changes to your reports. Along with disputing negative information, LTJ also offer credit monitoring service and free financial education resources.

    • Service areas: Orlando metro area
    • Address: 1802 N. Alafaya Trl Ste 324, Orlando, FL 32826
    • Phone: (407) 545-8656
    • Hours: M - F: 10am - 5pm
    • Website:
    Open Sky Credit Repair

    Open Sky Credit Repair offers multiple tiers of membership services. The bronze membership has a $299 initial fee followed by monthly payments of $99 and with it you receive a debt elimination plan. The gold membership, which has a $299 initial fee and costs $150 per month, includes unlimited disputes, direct to creditor disputes and a monthly 30-minute call with a credit coach.

    • Service areas: Orlando metro area
    • Address: 5323 Millenia Lakes Blvd. Suite 300, Orlando, FL 32839
    • Phone: (407) 442-3117
    • Hours: M - Sat: 10am - 5pm
    • Website:
    Vilacom Credit Consultants

    Vilacom Credit Consultants tout their ability to use the most up-to-date credit repair techniques to remove incorrect or unverified information from clients’ credit histories. It offers a consultation where they’ll outline services and costs for each client.

    • Service areas: Orlando metro area
    • Address: 618 E. South Street, Orlando, FL 32801
    • Phone: (844) 411-3426
    • Hours: M - F: 9am - 10pm; Sat - Sun: 10am - 5pm
    • Website:
    Credit Repair Orlando

    Credit Repair Orlando can help improve your credit score by negotiating with the top three credit bureaus on your behalf and by negotiating with your lenders to remove negative items. Call for a free price estimate.

    • Service areas: Metro Orlando area
    • Address: 2423 S Orange Ave, Orlando, FL 32806
    • Phone: (321) 204-3210
    • Hours: M - F: 8am - 6pm
    • Website:
    Credit Us

    Credit Us works on your behalf to remove inaccuracies with each of the three credit bureaus. As it completes these investigations, you’ll be able to log in to your account to track results. Credit Us specializes in those who want to improve credit scores to get a mortgage loan.

    • Service areas: Orlando metro area
    • Address: Unlisted
    • Phone: (305) 273-3488
    • Hours: M - F: 9am - 7pm
    • Website:
    by Kathryn Parkman ConsumerAffairs Research Team

    As a member of the ConsumerAffairs Research Team, Kathryn Parkman believes everyone deserves easy access to accurate and comprehensive information on products and businesses before they make a purchase, which is why she spends hours researching companies and industries for ConsumerAffairs. She believes conscious consumption is everyone's responsibility and that all content deserves integrity.