Credit Supreme vs Xperia Credit Solutions (2026)
Written by Harvey Brooks | Reviewed by the CreditDoc Editorial Team
Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL
Summary
Credit Supreme ($49.99/month + $69.99 setup) and Xperia Credit Solutions ($69.99/month + $49.99 setup) are both A+ BBB-rated with 4.8/5 Google scores. Credit Supreme is cheaper monthly but has a higher setup fee, making six-month costs nearly identical (~$370 vs $470). Credit Supreme's biggest advantage is its 90-day money-back guarantee and massive review volume (1,104 reviews). Xperia's edge is its certified FICO Professionals on staff — a formal credential that matters for accuracy in the dispute process. Credit Supreme disputes all items simultaneously from day one, while Xperia takes a more methodical approach. For budget-conscious consumers who want a guarantee, Credit Supreme wins. For consumers who prioritize professional certification and a lower monthly commitment, Xperia is the better pick.
Side-by-Side Comparison
| Feature | ||
|---|---|---|
| Monthly Price | From $49.99/mo Best | From $69.99/mo |
| Setup Fee | $69.99 | $49.99 Best |
| BBB Rating | A+ | A+ |
| Money-Back Guarantee | Yes Best | No |
| Our Rating | | |
| Credit Monitoring | ||
| All 3 Bureaus | ||
| Goodwill Letters | ||
| Cease & Desist Letters | ||
| Debt Validation | ||
| Credit Education | ||
| ID Theft Protection | ||
| Score Tracking | ||
| Mobile App | ||
| Online Portal | ||
| Personal Advisor | ||
| AI-Powered |
Which One Is Right for You?
CreditDoc Diagnosis
Doctor's Verdict on Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL
Choose Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL if you want: South Florida residents who want a local, hands-on credit repair team. Veterans and active-duty military seeking a veteran-owned firm with applicable discounts. Top strength: 4.8/5 Google rating from over 1,100 reviews — exceptional volume of social proof.
CreditDoc Diagnosis
Doctor's Verdict on Xperia Credit Solutions
Choose Xperia Credit Solutions if you want: Consumers with identifiable inaccurate or unverifiable items on their credit reports. Homebuyers or auto loan applicants needing a score boost before a near-term credit application. Top strength: Certified FICO Professionals on staff — a formal credential not found at many credit repair firms.
CreditDoc Diagnosis
Doctor's Verdict on Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL
Our pick: Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL. Credit Supreme wins with the lowest monthly price ($49.99), a 90-day money-back guarantee Xperia doesn't offer, and 1,104 Google reviews providing exceptional social proof — despite documented refund friction.
Frequently Asked Questions
Which is cheaper, Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL or Xperia Credit Solutions?
Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL is cheaper at $49.99/mo compared to Xperia Credit Solutions at $69.99/mo. However, Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL charges a $69.99 setup fee, while Xperia Credit Solutions charges a $49.99 setup fee.
Which has a better BBB rating, Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL or Xperia Credit Solutions?
Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL has a A+ BBB rating, while Xperia Credit Solutions has a A+ BBB rating. The BBB rating reflects how well a company responds to customer complaints and conducts business.
Do Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL and Xperia Credit Solutions offer money-back guarantees?
Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL offers a money-back guarantee: 90-day money-back guarantee: if no item deletions occur by the third billing cycle, monthly fees are refunded. Note: multiple BBB complaints document difficulty obtaining this refund in practice; at least one customer was referred to collections after disputing charges. Xperia Credit Solutions does not offer a money-back guarantee.
Which company is better overall, Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL or Xperia Credit Solutions?
Based on our analysis, Credit Supreme - Credit Repair Miami - Fix Credit Fast Miami FL is the better overall choice. Credit Supreme wins with the lowest monthly price ($49.99), a 90-day money-back guarantee Xperia doesn't offer, and 1,104 Google reviews providing exceptional social proof — despite documented refund friction.
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