Florida Credit Repair Company

We are the Florida’s Top Credit Repair Company serving clients nationwide and specializing in Section 611 Factual Verification Credit Repair and 605B Credit Blocking Method.

A Reputable Credit Repair Services Company

CreditFL.com is headquartered in sunny Fort Lauderdale, Florida and provides Premium Credit Repair Services for all needs and budgets with our flexible payment plan solutions and acceptance of credit card payments.

We are licensed, bonded, and have been continuously in business since 2008. We know what works and what does not and have been helping clients nationwide for almost a decade with credit repair services.

What Works in Credit Repair in 2017:

1) Factual Verification under FCRA (Fair Credit Reporting Act) Section 611.

Overview of 611:

  • The Factual Verification Process starts with the filing of an attorney drafted dispute with each credit bureau using all required language under the FCRA to ensure complete compliance by the credit bureaus and proper verification of information furnished by creditors.
    • Using the correct language ensures that the credit bureaus and creditor are legally put on notice that you have:
      1) Disputed the validity of the information,
      2) Assured the bureaus and creditors that your dispute is not frivolous, irrelevant, or without merit; and
      3) Have demanded that the bureaus and creditors produce a description of the procedure used to come to their conclusion under FCRA 611(B)(iii).
  •  This process will take 30 days from the date your initial dispute is filled with the credit bureaus. They will then mail you an updated credit report, where some accounts will be deleted and some will be verified. The report should include details on the process used to come to that conclusion.
  • At this point we will file separate charges with the Federal Trade Commission and Bureau of Financial Protection against each Credit Bureau and each individual creditor. For instance if you have 10 creditors, that would result is 13 separate charges that we file on your behalf against the credit bureaus and creditors for failure to produce a sufficient procedure used to verify the account or failure to produce any description of the procedure used to verify the account.
  • At this step in process the creditor has 15 days only to respond or remove the negative items from your credit report otherwise they will be assessed and levied fines for noncompliance with the FCRA.

This procedure relies on using the required legal language drafted by our attorneys and then holding the creditors and credit bureaus feet to the fire by filing appropriate charges and providing the requisite evidence that the credit bureaus and creditors had notice but were negligent in following the law.

2) Credit Blocking Method under 605B for Victims of Identity Theft:

Overview of 605B:

The Credit Blocking Method is Federal relief provided for victims of identity theft and is governed by FCRA Section 605B.

  • If you are a victim of Identity Theft and accounts have opened on your credit report from the actions of an unauthorized 3rd party then we can help you file an Identity Theft claim.
  • The Credit Blocking Process starts with the filing of a Identity Theft Affidavit and a Police Report with you local police prescient.
  • Then we file the following documents with the credit bureaus to have the accounts permanently blocked by the credit bureaus.
    • 1) Proof of identity of the victim
    • 2) A properly completed Identity Theft Affidavit and Complaint
    • 3) An Identity Theft Police Report provided to us by the victim
    • 4) A notarized statement assuring the credit bureaus that the ID theft claim is not filed in error, contains any material misrepresentation of facts, or that victim benefited from the transaction.
  • At this point the credit bureaus legally have 4 days from receipt to block and remove the information from you credit report.
  • If the credit bureaus refuse to comply with Section 605B of the Fair Credit Reporting Act, then we file appropriate charges against the credit bureaus and creditors with the Federal Trade Commission and Bureau of Financial Protection.
  • They at this point would have 15 days to show cause as to why they did not comply with the law of face fines and penalties for violation of the FCRA Section 605B.

If you are a victim of identity theft and can provide us with a police report about the incident we can help you with cleaning and repairing your credit report.

Our Pricing:

What Does Not Work in Credit Repair

1) Dispute Templates used by every single Credit Repair Company, Why? Because you get flagged as Frivolous by the credit bureaus at Equifax, Experiance, and TransUnion and it’s game over.

2) E-Oscar. Why? Because it is a scam and illegal and does not work. Also, if it does work it is temporary for about 1 to 2 weeks until the credit re-furnishes the information again to the credit bureaus. Creditors furnish account information on a monthly basis, so any results are very short lived and a waste of money. We advise our clients to be vigilant and not to fall for these scams.

3) Tradelines & CPN: Why? Because, First of all these are illegal and may be a federal felony in many cases. Second, an authorized user line will not improve your credit standing are a complete waster of money. Using a Federal Tax ID number as a social security number also known as a CPN is illegal and will land you in handcuff’s for fraud and getting trade lines on those CPN’s is very difficult and illegal. Additionally, most lenders especially mortgage banks and commercial loan lenders require you to sign a Social Security Number Verification document which subjects the application to federal perjury and fraud charges for using a CPN and you will end up in federal prison with multiple felony charges. So we again advise our clients not to engage in such activities and seek legal counsel if they are engaged in such acts.

Credit Florida does not engage in nor encourages or advises clients or prospective client to engage in or be involved any illegal activities and recommends that they seek legal counsel if they may be engaged in such activities.

We DO NOT do template disputes like other Leading Credit Repair Organizations, instead we use Electronic Factual Verification and Fast Deletion Methods. Our main focus for Credit Repair Services is Focused around Client’s Results & Customer Satisfaction.


Client Responsibilities:

  • Client must sign up with one of the Recommended Credit Monitoring Systems.
  • Client must not change Login Credentials without notifying us or it will be considered a Breach of Agreement.
  • Client should make sure their credit card remains on file or we cannot pull a new report.

Become a Business Affiliate

Contact us to learn how you can profit from a business relationship with our affiliate and broker program by referring business to us.

Please call us to schedule a free phone or in-person consultation at 954-607-4241.

Florida Credit Repair Company
110 SE 6th Suite 1700, Fort Lauderdale FL 33301