Credit360 Credit Repair Services

Credit-Repair · FL

Rating: 4.4/5

Credit360 Credit Repair Services logo

Miami-based credit repair firm founded 2012. Disputes inaccurate items across all 3 bureaus using a pay-per-deletion model — no monthly fees.

Official Website

https://www.credit360.biz/

Credit360 Credit Repair Services Review

Credit360 Credit Repair Services was founded in 2012 by Andre Coakley and is headquartered in the Cutler Bay area of Miami, Florida (10664 SW 186th St, Miami, FL 33157), with a secondary location in South Miami. The company operates as a for-profit credit repair and business credit services firm serving clients across South Florida and statewide — including Fort Lauderdale, West Palm Beach, Orlando, Jacksonville, Tampa, Tallahassee, and Fort Myers. Credit360 operates under CROA (Credit Repair Organizations Act) compliance, as required by federal law for all credit repair organizations, but holds no additional voluntary certifications such as NFCC membership, HUD-approved counselor status, or NACSO affiliation — which is standard for for-profit credit repair firms rather than nonprofit credit counseling agencies.

Credit360's core service is analyzing and disputing inaccurate, unverifiable, or outdated negative items across all three major credit bureaus — Equifax, TransUnion, and Experian. Their dispute methodology uses Metro 2 compliance standards, factual disputing, and FCRA-based challenges. Negative items they handle include third-party collections, debt buyer collections, medical collections, charge-offs, broken leases, repossessions, foreclosures, bankruptcies, civil judgments, and identity theft or fraudulent account entries.

Bureau audits are conducted on a 45-day cycle. A separate business credit structuring service is also offered to business owners seeking to establish or improve commercial credit profiles.

Credit360's most notable differentiator is its pay-per-deletion pricing structure. Instead of charging monthly subscription fees, clients pay a one-time $360 Program Audit Fee (payable in two installments of $180) and then per-item deletion fees only after results are verified: $50 per collection or charge-off removal per bureau, $75 per repossession or child support item, and $100 per judgment, bankruptcy, or foreclosure — each charged on a per-bureau basis. This structure directly ties compensation to measurable outcomes.

The company reports that 90% of its business comes from referrals, and it carries a 4.8/5 rating across 350+ Google reviews and 1,097+ SoTellUs reviews. A 100% money-back guarantee is offered, and clients can earn $25 service credits per social media testimonial (up to two per invoice) or per referral.

Credit360's pay-for-results model is a genuine structural advantage in an industry where monthly-fee firms often collect payment regardless of outcomes. However, prospective clients should carefully estimate potential total costs: a client with ten negative items spread across two or three bureaus could face deletion fees well above the initial audit fee. The company is not BBB accredited, and its Trustpilot profile shows a 1.7/5 average — though based on only 19 reviews, making it statistically weak.

The full terms of the money-back guarantee are not publicly disclosed and require direct inquiry. Credit360 is a strong fit for consumers with specific, disputable negative items who prefer paying for results, but is not a nonprofit counseling resource and does not offer debt management plans or formal financial advisory services.\n\nIn the broader ecosystem of credit repair services, consumers have multiple paths to improving their credit. Professional credit repair companies can dispute inaccurate items with all three bureaus, while credit monitoring services provide ongoing alerts about changes to your reports.

For those building credit from scratch, secured credit cards and credit builder loans offer structured approaches. Consumers dealing with overwhelming debt may benefit from debt consolidation loans to simplify payments, or credit counseling through nonprofit agencies for personalized budgeting guidance. Consumers who successfully repair their credit often find better rates on installment loans, secured credit cards, and other financial products.

Pros & Cons

Reader-focused summary of the strongest reasons to consider Credit360 Credit Repair Services and the factors most worth weighing before contracting. Individual outcomes depend on your credit situation and goals.

Pros

  • ✓Pay-per-deletion model — clients only pay for items actually removed, not for effort or time
  • ✓No monthly subscription fees, unlike the majority of credit repair competitors
  • ✓100% money-back guarantee offered
  • ✓4.8/5 rating from 350+ Google reviews and 4.8/5 from 1,097+ SoTellUs reviews — high volume across platforms
  • ✓Founded in 2012, giving them 14 years of operational history in credit repair
  • ✓Free mobile app (Amazon Appstore) with credit monitoring, budget calculators, and home loan comparison tools
  • ✓$360 audit fee can be split into two $180 payments, reducing upfront cost burden

Areas to Consider

  • !$360 audit fee is due upfront before any deletion results are confirmed
  • !Pay-per-deletion fees can accumulate substantially — a client with 10 items across 3 bureaus could owe $1,500+ in deletion fees alone
  • !Not BBB accredited; exact BBB letter grade unconfirmed
  • !Trustpilot rating is 1.7/5 (though based on only 19 reviews, which limits reliability in either direction)
  • !Full money-back guarantee terms are not disclosed publicly — require direct inquiry to understand conditions

Verdict Summary

Credit360 Credit Repair Services works best for consumers who value pay-per-deletion model — clients only pay for items actually removed, not for ef and can accept the tradeoff of $360 audit fee is due upfront before any deletion results are confirmed. Compare against similar providers below before signing any contract.

Services & Features

Services offered

Feature Checklist

✓Credit Monitoring
✓All Three Bureaus
✗Goodwill Letters
✗Cease Desist Letters
✓Debt Validation
✓Credit Education
✓Identity Theft Protection
✗Score Tracking
✓Mobile App
✗Online Portal
✗Personal Advisor
✗Ai Powered
✗Cease Desist
✓Score Tracker

Best For

Before You Contact Credit360 Credit Repair Services

Before signing up with any Credit Repair provider, review these safeguards:

Compare Your Needs With Credit360 Credit Repair Services

Match these decision factors against Credit360 Credit Repair Services's profile before committing. This rubric mirrors what independent consumer-finance research typically checks for Credit Repair providers.

Category

Credit Repair

Service scope

12 services listed

Geographic coverage

1 states

Match to your priorities

  • ●
    Budget priority: Pricing published above — factor in setup, monthly, and cancellation fees over the full expected service window.
  • ●
    Complexity priority: Consider Credit360 Credit Repair Services's stated strengths (Pay-per-deletion model — clients only pay for items actually removed, not for effort or time) against your specific credit situation.
  • ●
    Timeline priority: Credit Repair typically takes 3-6 months for meaningful outcomes. Providers guaranteeing overnight results are red flags under federal consumer protection law.
  • ●
    Recourse priority: Confirm state licensing via your state regulator and check the CFPB complaint database before contracting.
  • ●
    Alternatives: Compare against all Credit Repair providers, DIY options via non-profit counseling agencies, and free CFPB resources.

Pricing

  • Monthly Price: 0
  • Setup Fee: 360
  • Money Back Guarantee: True
  • Guarantee Details: 100% money-back guarantee offered. Full terms and conditions not publicly disclosed; contact provider directly for specifics.
  • Free Consultation: False
  • Tiers: [{'name': 'Program Audit Fee', 'price': 360, 'features': ['One-time fee, splittable into two $180 payments (enrollment + 30 days)', 'Full credit report analysis across Equifax, TransUnion, and Experian', 'Personalized action plan', 'Active disputing using Metro 2, factual, and FCRA-based methods', 'Bureau audit cycle every 45 days', 'No monthly fees — only pay for verified deletions']}, {'name': 'Pay-Per-Deletion (Collections / Charge-Offs)', 'price': 50, 'features': ['$50 per deletion per bureau for collections and charge-offs', 'Only charged after item is verified as removed', 'Covers third-party collections, debt buyer collections, medical collections', '$25 credit per social media testimonial (max 2 per invoice)', '$25 referral credit per referred client']}, {'name': 'Pay-Per-Deletion (Repossessions / Child Support)', 'price': 75, 'features': ['$75 per deletion per bureau for repossessions and child support items', 'Only charged after item is verified as removed', 'Covers broken leases and repossessions']}, {'name': 'Pay-Per-Deletion (Judgments / Bankruptcies / Foreclosures)', 'price': 100, 'features': ['$100 per deletion per bureau for judgments, bankruptcies, and foreclosures', 'Only charged after item is verified as removed', 'Covers civil judgments, Chapter 7/13 bankruptcies, and foreclosures']}]
  • Currency: USD

Frequently Asked Questions

What services does Credit360 Credit Repair Services offer?

Credit360 Credit Repair Services offers 12 services including Third-party collections removal, Debt buyer collections disputes, Medical collections removal, Charge-off disputes, Broken lease removal, and 7 more. Confirm current service list directly with the provider before contracting.

Who is Credit360 Credit Repair Services best suited for?

Credit360 Credit Repair Services's profile signals suggest it may fit: Florida consumers with multiple specific negative items (collections, charge-offs, repossessions) who want to pay only for verified results; Business owners in South Florida seeking to establish or repair business credit profiles; Individuals dealing with identity theft or fraudulent accounts appearing on their credit reports; Consumers who have been rejected for a mortgage, auto loan, or rental and need targeted bureau disputes. Individual outcomes vary based on your specific situation.

What are the strengths and weaknesses of Credit360 Credit Repair Services?

Key strengths: Pay-per-deletion model — clients only pay for items actually removed, not for effort or time; No monthly subscription fees, unlike the majority of credit repair competitors; 100% money-back guarantee offered. Areas to consider: $360 audit fee is due upfront before any deletion results are confirmed; Pay-per-deletion fees can accumulate substantially — a client with 10 items across 3 bureaus could owe $1,500+ in deletion fees alone.

How does Credit360 Credit Repair Services compare to similar companies?

In the Credit Repair category, comparable providers include Credit Saint, Sky Blue Credit Repair, A Plus Credit Services LLC. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Where does Credit360 Credit Repair Services operate?

Credit360 Credit Repair Services serves customers in 1 states including Florida. Confirm current service availability in your state directly with the provider.

How much does Credit360 Credit Repair Services cost?

Listed pricing for Credit360 Credit Repair Services: monthly price: 0; setup fee: 360; money back guarantee: True. Pricing may change — verify current fees directly with the provider before signing any contract.

Visit Credit360 Credit Repair Services

State Consumer Finance Context

This is state-level context for Credit Repair consumers in Florida. It does not confirm that Credit360 Credit Repair Services or this specific location is licensed.

State regulator: Florida Office of Financial Regulation
Consumer protection: Florida Attorney General Consumer Protection Division

Credit and debt help rules in Florida

Key state rules to check

Payday lending in Florida: Legal (max $500)

Usury cap: 18% for loans under $500,000; 25% criminal usury threshold; payday loans regulated separately

Complaint resources

State references

Florida allows payday lending with notable consumer protections including a statewide database preventing multiple simultaneous loans, a $500 cap, and a 24-hour cooling-off period. The Office of Financial Regulation oversees all consumer lenders. Consumers can file complaints online through the OFR or the Attorney General.

Similar Companies ⓘ

Comparable Credit Repair providers with similar service scope. Ratings reflect stored review context; verify current licensing and pricing directly before contracting.

Credit Saint logo

Credit Saint

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Sky Blue Credit Repair logo

Sky Blue Credit Repair

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A Plus Credit Services LLC logo

A Plus Credit Services LLC

A Plus Credit Services is a Miami-based credit repair firm claiming 10,000+ clients and 1,400+ Google reviews. Not BBB accredited. Consumers should verify cr...

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Notable: Exceptionally high review volume — 2,854 Google reviews averaging 4.8/5 signals consistent service quality at scale

Apex Credit Fix logo

Apex Credit Fix

Apex Credit Fix is a credit repair firm based in Jersey City, NJ, operating as Apex Advising LLC. Pricing: $19 activation + $79/month with 90-day money-back ...

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Notable: Exceptionally high Google rating (4.9/5) across a large volume of reviews, indicating consistent client satisfaction

ASAP Credit Repair logo

ASAP Credit Repair

ASAP Credit Repair is a Houston, TX-based credit repair firm. 2,461 Google reviews. Not BBB rated or accredited. Offers dispute services for all three bureaus.

Rating 4.5/5

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Notable: Exceptional local reputation — 5.0/5 from 111 Google reviews, unusually strong for a credit repair service

Credit Card Management Services, Inc. logo

Credit Card Management Services, Inc.

Credit Card Management Services is a Dallas, TX-based credit repair and financial consulting firm. 4.9 Google rating from 4,700+ reviews. Offers credit repai...

Rating 4.5/5

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Notable: Non-profit organization — fee structure is regulated and mission-driven rather than profit-motivated

Credit Innovation Group logo

Credit Innovation Group

Credit Innovation Group is a Fort Worth, TX-based credit repair firm. BBB A+ accredited. 2,269 Google reviews. Professional dispute services across all three...

Rating 4.6/5

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Notable: Membership-based pricing model avoids unlimited per-dispute fees that can accumulate over time

Credit Restoration Of Texas logo

Credit Restoration Of Texas

Credit repair company founded in 2007, serving clients nationwide. Disputes inaccurate credit items, offers debt relief, identity theft restoration, and busi...

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Notable: Founded in 2007 with 19+ years of operating history — significant longevity in a high-turnover industry

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Quick Summary

Credit360 Credit Repair Services — Credit Repair in FL.

Overall rating: 4.4/5

Miami-based credit repair firm founded 2012. Disputes inaccurate items across all 3 bureaus using a pay-per-deletion model — no monthly fees.

Visit Credit360 Credit Repair Services

Next Steps

  1. Compare Credit360 Credit Repair Services against similar options above.
  2. Run our borrowing power quiz to see how Credit360 Credit Repair Services matches your situation.
  3. Check state regulator listings for Credit360 Credit Repair Services's licensing before committing.
  4. Visit Credit360 Credit Repair Services once you're ready.

Glossary of Terms

Common terms that come up when comparing Credit Repair providers. Full glossary at creditdoc.co/glossary/.

Balance Transfer — Credit Card Balance Transfer
Moving debt from one credit card to another, usually to take advantage of a lower interest rate (often 0% for 12-21 months). There's typically a 3-5% transfer fee.
Why it matters: A 0% balance transfer can save hundreds in interest and help you pay down debt faster. But you must pay off the balance before the promotional period ends, or the rate jumps.
Example: You owe $8,000 at 22% APR ($147/month in interest). You transfer to a 0% APR card with a 3% fee ($240). For 18 months, $0 interest. If you pay $444/month, you're debt-free before the promo ends.
CFPB — Consumer Financial Protection Bureau
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
Why it matters: The CFPB is your most powerful ally against predatory lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example: A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
Charge-Off
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
Why it matters: A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example: You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
Collections — Debt Collections
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Why it matters: Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example: An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Credit Bureau — Credit Reporting Agency (Bureau)
A company that collects and sells information about your credit history. The three major bureaus are Equifax, Experian, and TransUnion.
Why it matters: Not all lenders report to all three bureaus, so your reports may differ. You should check all three reports because an error on one could be costing you money.
Example: Your car loan only reports to Equifax and TransUnion. Your Experian report doesn't show that good payment history, so your Experian score is 15 points lower.
Credit Freeze — Security Freeze / Credit Freeze
A free tool that locks your credit report so no one (including you) can open new accounts until you lift it. It's the strongest protection against identity theft.
Why it matters: A credit freeze prevents criminals from opening loans in your name, even if they have your Social Security number. It's free by law and doesn't affect your credit score.
Example: Your data was in a breach. You freeze your credit at all 3 bureaus (takes 10 minutes online). A thief tries to open a credit card in your name — denied because the lender can't pull your frozen report.
Credit Mix — Credit Mix (Types of Credit)
The variety of credit accounts you have — credit cards (revolving), auto loans (installment), mortgage, student loans, etc. Having multiple types shows you can manage different kinds of debt.
Why it matters: Credit mix accounts for about 10% of your FICO score. Having only credit cards isn't as strong as having a card, an installment loan, and a mortgage.
Example: Borrower A has 3 credit cards. Borrower B has 2 credit cards, a car loan, and a student loan. Even with the same payment history and utilization, Borrower B's score is typically higher.
Credit Report — Consumer Credit Report
A detailed record of your borrowing history maintained by credit bureaus. It lists every loan, credit card, payment history, collection, and public record tied to your name.
Why it matters: Errors on credit reports are common — 1 in 5 consumers has at least one mistake. Checking your report regularly is the first step to fixing errors that are costing you money.
Example: You pull your free report from AnnualCreditReport.com and find a $2,400 medical collection you already paid. You dispute it, the bureau verifies it's resolved, and your score goes up 40 points.
Credit Score
A 3-digit number (300-850) that summarizes how reliably you've handled borrowed money. Higher scores mean lower risk to lenders and better loan terms for you.
Why it matters: Your credit score determines whether you get approved and at what rate. A 100-point difference can mean thousands of dollars more or less in interest over a loan's life.
Example: On a $250,000 30-year mortgage: a 760 score gets you 6.2% ($1,536/month). A 660 score gets 7.4% ($1,729/month). Over 30 years, the lower score costs you $69,480 more.
Credit Utilization — Credit Utilization Ratio
The percentage of your available credit that you're currently using. If you have $10,000 in credit limits and owe $3,000, your utilization is 30%.
Why it matters: Utilization is the second-biggest factor in your credit score (after payment history). Keeping it below 30% helps your score; below 10% is ideal.
Example: You have 3 cards with a $15,000 total limit. You're carrying $4,500 in balances (30% utilization). Paying down to $1,500 (10% utilization) could boost your score by 20-50 points.
CROA — Credit Repair Organizations Act
A federal law that regulates credit repair companies. It bans them from charging upfront fees, making false promises, and requires written contracts with a 3-day cancellation right.
Why it matters: CROA protects you from credit repair scams. If a company demands payment before doing any work, they're likely violating federal law. Legitimate companies charge after results.
Example: A company says 'Pay $500 upfront and we'll remove all negative items guaranteed.' That violates CROA on two counts: upfront fees and guaranteed results. Legitimate companies charge monthly after work begins.
FCRA — Fair Credit Reporting Act
The federal law that regulates how credit bureaus collect, share, and use your information. It gives you the right to see your report, dispute errors, and limit who can access it.
Why it matters: FCRA is the legal basis for disputing errors on your credit report. Bureaus must investigate within 30 days and remove inaccurate information. You can sue if they violate your rights.
Example: You dispute an incorrect collection on your Equifax report. Under FCRA, Equifax has 30 days to investigate. If they can't verify it, they must remove it. If they ignore your dispute, you can sue for damages.
FDCPA — Fair Debt Collection Practices Act
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and must stop contacting you if you request in writing.
Why it matters: Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you can sue for up to $1,000 per violation plus attorney fees.
Example: A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
FICO Score — Fair Isaac Corporation Score
The most widely used credit scoring model, created by Fair Isaac Corporation. 90% of top lenders use FICO scores for lending decisions.
Why it matters: FICO has many versions (FICO 8, 9, 10). Mortgage lenders still use older versions (FICO 2, 4, 5), so your mortgage score may differ from what free apps show you.
Example: Your FICO 8 score (used for credit cards) is 740. Your FICO 5 score (used for mortgages) is 725 because it weighs collections differently. Same credit history, different scores.
Hard Inquiry — Hard Credit Inquiry (Hard Pull)
When a lender checks your credit report because you've applied for credit. Each hard inquiry can lower your score by 5-10 points and stays on your report for 2 years.
Why it matters: Multiple hard inquiries in a short period suggest you're desperately seeking credit, which is a red flag. Exception: mortgage and auto loan shopping within 14-45 days counts as one inquiry.
Example: You apply for 5 credit cards in one month. Each application triggers a hard inquiry. Your score drops 25-50 points from the inquiries alone, making each subsequent application harder.