A low credit score can affect you in multiple ways, including creating difficulties if you’re trying to qualify for a car loan or home mortgage. With the help of a credit repair company, however, you can improve your credit score. A reputable credit repair company will have a good relationship with credit bureaus, great legal standing and a successful track record. Our partners at ConsumerAffairs researched the best credit repair in Fort Myers so you can find one that’s right for you.
The average credit score in Florida is 668, slightly lower than the national average of 675. Some areas around Fort Myers may have average scores lower than the state level – Lehigh Acres, for example, has a credit score average of 629.
Anyone who wants to improve their credit score can benefit from credit repair. If you fell behind on your student loans or credit card payments, credit repair can help raise your credit score. A reputable company will:
Get copies of your credit report from all bureaus
Remove negative notes on your credit report by negotiating with lenders
Improve your FICO score within three to six months
Make it easier for you to get insurance, a home mortgage or a vehicle loan
Build your credit
Process and pricing of credit repair in Fort Myers
If you plan on hiring a credit repair service in Fort Myers, you should understand the process. Here are a few details you should know:
The Fees: Typically, credit repair companies in Fort Myers require an initial charge to cover the cost of acquiring your credit reports. After that, companies usually charge a monthly fee for continuing service.
The Process: Once you pay the cost of obtaining your credit reports, the company will request information from you. Based on that information, the company will form a plan to help you raise your credit rating.
The Protection: Researching companies and asking the right questions can help protect you from credit repair scams. The Consumer Financial Protection Bureau has tips on how to tell if a credit repair company is reputable. If a company demands large payments for services before performing them or makes promises that sound too good to be true, find another option.
Look for companies that help you repair your current credit and offer financial education to help you keep your credit rating high moving forward. A good credit repair company should help you now and put you on the path to a healthy financial future.
Credit Saint is an excellent option for affordable credit repair in Fort Myers. The company does not charge extra fees to pull your credit reports and offers three plans with different repair services. The company assigns you a team of experts and gives you constant attention. Reviewers in Fort Myers note the company’s excellent customer service.
Lexington Law is among the most experienced credit repair companies in Fort Myers. They have decades of experience, a long list of happy clients and offer a free consultation. Reviews from Florida customers say the company took some time to get results, but that the results were worth the wait.
Having processed over 310,000 unique credit reports, The Credit Repairs certified and trained representatives have impressed customers with their results. They offer an Unbeatable Satisfaction Guarantee which allows customers to cancel at any time, refunding the previous month. Customers appreciate the quick and painless process.
This well-established company offers a credit score tracking tool and 24/7 monitoring of your credit report that alerts you of any changes. Fort Myers residents report excellent customer service and overall success when working with the service.
If there are errors in your credit report, Sky Blue promises to find them. They also offer free consultations that allow you to learn more about the process. Unlike some other companies in Fort Myers, Sky Blue does not charge you for accessing your credit reports. Customers in Fort Myers praise the company for its great results.
The Credit Pros offers flexibility to its customers, including the option to pay per report removal instead of a monthly fee. The company provides credit repair, credit management and credit building services. Customers in Fort Myers appreciate the easy-to-use website interface.
If you want to work with a local business, try Credit Medic. The Florida-based company gives you a team of specialists that dispute errors in your report. They also provide you with budgeting advice to help you plan for the future. Fort Myers residents only have good things to say about the company’s effectiveness.
7 Plus Credit
Another local business, 7 Plus Credit offers credit repair and home purchase preparation in Fort Myers. The company works with real estate agents and bankers to get you quick results. Customers tend to see positive results after a few months. The company has rave reviews despite only being in business a few years.