9
91 CREDIT REPAIR
91 CREDIT REPAIR is a credit repair company listed in the CreditDoc directory. Its website was not reachable during our review, so services, pricing, and hou...
Rating 4.2/5
Notable: Strong customer ratings (4.3/5 on Google)
RepairMyCreditScores.com
Fix-My-Credit · FL
Rating: 4.3/5
RepairMyCreditScores.com disputes negative items and inaccuracies on credit reports with the three major bureaus to help improve credit scores.
Official Website
http://www.repairmycreditscores.comRepairMyCreditScores.com Review
RepairMyCreditScores.com is a credit repair company based in Miami, Florida that specializes in disputing unfair or inaccurate negative marks on credit reports. The company operates with a team described as 'credit specialists' and 'credit repair experts,' though specific founding date or years of operation are not clearly disclosed on the website (the experience counter displays '0'). They market themselves as "The Credit Repair Experts" and position credit restoration as their core service.
The company offers dispute services across multiple negative credit items including collections, late payments, foreclosures, charge-offs, bankruptcy entries, hard inquiries, repossessions, and identity theft-related fraud. They explicitly state they work to dispute items with individual creditors and all three major credit bureaus: TransUnion, Equifax, and Experian. Their approach centers on removing or correcting negative marks that damage credit scores, with particular emphasis on medical collections removal.
Contact methods include a toll-free number (1-888-572-6737), email (info@repairmycreditscores.com), and their Miami office address.
The company differentiates itself through claims of 'proven credit restoration strategies' and 'personalized credit restoration plans' tailored to individual needs. They emphasize a money-back guarantee, stating: 'If we don't improve your credit as promised, you get your money back.' This guarantee language suggests confidence in measurable results, though specific improvement metrics or timelines are not detailed on the website.
A key limitation is the absence of transparency regarding company history, licensing credentials, or FCRA compliance statements. The '0' years of experience displayed suggests either a new company or incomplete website information. The guarantee claims lack specificity about what constitutes 'improvement' and refund conditions. Consumers should verify licensing and legitimacy independently before engaging services, as credit repair promises require regulatory oversight.
Pros & Cons
Reader-focused summary of the strongest reasons to consider RepairMyCreditScores.com and the factors most worth weighing before contracting. Individual outcomes depend on your credit situation and goals.
Pros
- ✓Targets multiple negative item types: collections, late payments, foreclosures, charge-offs, bankruptcy, inquiries, repossessions, and identity theft
- ✓Works directly with all three major credit bureaus (TransUnion, Equifax, Experian)
- ✓Offers personalized credit restoration plans tailored to individual situations
- ✓Provides money-back guarantee if credit improvement isn't delivered as promised
- ✓Specializes in medical collections removal, a common consumer pain point
- ✓Multiple contact methods available: phone, email, and physical Miami office location
- ✓Disputes both inaccuracies and unfair negative marks, not just errors
Areas to Consider
- !Website displays '0 years of experience,' creating credibility concerns about company age or legitimacy
- !No licensing, certification, or regulatory credentials disclosed (FCRA compliance, state licenses not mentioned)
- !Money-back guarantee lacks specificity—unclear what 'improvement' means or refund conditions
- !Generic marketing language and no case studies, client testimonials, or documented results provided
- !Identity theft and repossession services described but no clarity on how these differ from standard dispute processes
Verdict Summary
RepairMyCreditScores.com works best for consumers who value targets multiple negative item types: collections, late payments, foreclosures, and can accept the tradeoff of website displays '0 years of experience,' creating credibility concerns about co. Compare against similar providers below before signing any contract.
Services & Features
Services offered
- ✓Medical collections removal and dispute
- ✓Late payment dispute and correction
- ✓Foreclosure dispute and prevention consultation
- ✓Charge-off removal and negotiation
- ✓Bankruptcy entry dispute (for inaccuracies)
- ✓Hard inquiry removal
- ✓Repossession dispute and negotiation
- ✓Identity theft fraud account removal
- ✓Credit bureau disputes (TransUnion, Equifax, Experian)
- ✓Creditor dispute and communication
- ✓Personalized credit restoration plan development
- ✓Credit score improvement and financial profile optimization
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
Best For
- •Consumers with collections accounts (especially medical debt) damaging their credit scores
- •Individuals with multiple negative marks (late payments, charge-offs, inquiries) seeking comprehensive disputes
- •People who believe they have inaccurate or unfair items on their credit reports
- •Those seeking a money-back guarantee as assurance before paying for credit repair services
Before You Contact RepairMyCreditScores.com
Before signing up with any Fix My Credit provider, review these safeguards:
- Confirm state licensing via your state regulator directory.
- Check CFPB complaint data for the company name.
- Read the contract before paying any upfront fees — most states prohibit upfront credit-repair fees.
- Compare against alternative options before committing.
Compare Your Needs With RepairMyCreditScores.com
Match these decision factors against RepairMyCreditScores.com's profile before committing. This rubric mirrors what independent consumer-finance research typically checks for Fix My Credit providers.
Category
Fix My Credit
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 RepairMyCreditScores.com's stated strengths (Targets multiple negative item types: collections, late payments, foreclosures, charge-offs, bank...) against your specific credit situation.
- ●Timeline priority: Fix My Credit 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 Fix My Credit providers, DIY options via non-profit counseling agencies, and free CFPB resources.
Pricing
- Monthly Price: 0
- Setup Fee: 0
- Money Back Guarantee: False
- Guarantee Details: Contact provider for current pricing and guarantee details.
- Free Consultation: True
- Tiers: []
- Currency: USD
Frequently Asked Questions
What services does RepairMyCreditScores.com offer?
RepairMyCreditScores.com offers 12 services including Medical collections removal and dispute, Late payment dispute and correction, Foreclosure dispute and prevention consultation, Charge-off removal and negotiation, Bankruptcy entry dispute (for inaccuracies), and 7 more. Confirm current service list directly with the provider before contracting.
Who is RepairMyCreditScores.com best suited for?
RepairMyCreditScores.com's profile signals suggest it may fit: Consumers with collections accounts (especially medical debt) damaging their credit scores; Individuals with multiple negative marks (late payments, charge-offs, inquiries) seeking comprehensive disputes; People who believe they have inaccurate or unfair items on their credit reports; Those seeking a money-back guarantee as assurance before paying for credit repair services. Individual outcomes vary based on your specific situation.
What are the strengths and weaknesses of RepairMyCreditScores.com?
Key strengths: Targets multiple negative item types: collections, late payments, foreclosures, charge-offs, bankruptcy, inquiries, repossessions, and identity theft; Works directly with all three major credit bureaus (TransUnion, Equifax, Experian); Offers personalized credit restoration plans tailored to individual situations. Areas to consider: Website displays '0 years of experience,' creating credibility concerns about company age or legitimacy; No licensing, certification, or regulatory credentials disclosed (FCRA compliance, state licenses not mentioned).
How does RepairMyCreditScores.com compare to similar companies?
In the Fix My Credit category, comparable providers include 91 CREDIT REPAIR, Credit Repair Hero, Lexington Law Credit Repair. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Where does RepairMyCreditScores.com operate?
RepairMyCreditScores.com serves customers in 1 states including Florida. Confirm current service availability in your state directly with the provider.
How much does RepairMyCreditScores.com cost?
Listed pricing for RepairMyCreditScores.com: monthly price: 0; setup fee: 0; money back guarantee: False. Pricing may change — verify current fees directly with the provider before signing any contract.
State Consumer Finance Context
This is state-level context for Fix My Credit consumers in Florida. It does not confirm that RepairMyCreditScores.com 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
- Relevant law: Florida Credit Services Organization Act (Fla. Stat. §§ 817.7001-817.706)
- Registration: Required with Florida Department of State, Division of Corporations
- Upfront fees: Prohibited under state law
- Cancellation window: 3-day right to cancel
Key state rules to check
- Credit repair organizations must provide clients with a written contract before any services are performed, clearly disclosing all terms, conditions, and the client's right to cancel
- All contracts must include a statement that the client has the right to cancel within 3 business days without obligation
- Credit repair companies are prohibited from charging or collecting any fees before services are delivered and the client's situation has demonstrably improved
- Organizations cannot misrepresent their services, promise specific credit score increases, or claim ability to remove accurate negative information from credit reports
- Written notice of the client's right to review their own credit report for free must be provided
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
- Florida Office of Financial Regulation (OFR) — Regulates consumer lenders, mortgage brokers, and credit service organizations. Accepts complaints about lenders, payday loan providers, ...
- Florida Attorney General Consumer Protection Division — Handles consumer complaints, including credit repair fraud, predatory lending, and debt collection violations. Online complaint filing available.
- Consumer Financial Protection Bureau (CFPB) — Federal agency accepting complaints about credit cards, mortgages, payday loans, student loans, and other consumer financial products.
- Florida Department of State Division of Corporations — Oversees registration and licensing of credit repair organizations operating in Florida.
- Better Business Bureau (BBB) - Florida — Accepts complaints and provides ratings on consumer finance companies, credit repair services, and lenders.
State references
- Florida Usury Law
- Florida Deferred Presentment Law (Payday Loans)
- Florida Consumer Finance Act
- Florida Credit Services Organization Act
- Florida Mortgage Broker Licensing Law
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 Fix My Credit providers with similar service scope. Ratings reflect stored review context; verify current licensing and pricing directly before contracting.
C
Credit Repair Hero
Credit Repair Hero is a credit repair company listed in the CreditDoc directory. Its website was not reachable during our review, so services, pricing, and h...
Rating 4.3/5
Notable: Highly rated by customers (5.0/5 on Google)
Lexington Law Credit Repair
Lexington Law is a credit repair law firm that disputes negative items on credit reports using licensed attorneys and paralegals. They've served nearly 11 mi...
Rating 3.7/5
Notable: Licensed attorneys and paralegals provide legal representation rather than dispute-only services
T
Time Travel Credit Repair Inc
Time Travel Credit Repair offers dispute and removal services for negative items on credit reports through three rounds of disputes with major credit bureaus.
Rating 4.3/5
Notable: Offers three rounds of disputes with all three major credit bureaus (Experian, Equifax, TransUnion)
A1 CREDIT NOW | CREDITO | REPARACION DE CREDITO
Miami-based credit repair company offering dispute resolution, credit monitoring, and financial services including court motions, immigration forms, and nota...
Rating 3.8/5
Notable: Flexible payment options including biweekly Bronze package ($79 biweekly) for budget-conscious consumers
Berakhah Group LLC
UWE Protection Plan offers credit repair, financial literacy education, and credit score improvement through a membership-based service. They claim to help r...
Rating 3.8/5
Notable: Multi-language support including Spanish, Creole, French, Chinese, Korean, Portuguese, Vietnamese, and Haitian Creole
Capitalize Life
Capitalize Life is a credit repair company that disputes errors on credit reports and works with bureaus and creditors to improve client credit scores.
Rating 3.8/5
Notable: Offers free initial credit report evaluation and consultation with no obligation
Credit Repair Express
The Tax Team Inc. offers credit repair and management services in Miami, focusing on disputing credit report errors, building better financial habits, and lo...
Rating 3.8/5
Notable: Free credit assessment and consultation with no apparent upfront cost
Related Questions
- Are collections on credit report? | CreditDoc
Yes, collections are on your credit report and can hurt your score for 7 years. Learn how they get there, their impact, and how to address them.
- Are collections on your credit report? | CreditDoc
Yes, collection accounts are listed on your credit report. Learn how they get there, their impact on your credit score, and how to find and address them.
- Are credit repair companies scams? | CreditDoc
Not all credit repair companies are scams, but many are. Learn the legal red flags, what they can and can't do, and how to identify a legitimate service.
- Are credit repair services scams? | CreditDoc
Not all credit repair services are scams, but the industry has many fraudulent players. Learn the red flags and your legal rights to avoid being scammed.
- Are medical collections on credit report? | CreditDoc
Yes, but recent rule changes limit their impact. Learn when medical collections—including those under a certain amount or already paid—can affect your credit.
- Can collections go on credit report? | CreditDoc
Yes, collection agencies can report unpaid debts to credit bureaus, severely damaging your credit score. Learn the timeline, rules, and how you can respond.
Quick Summary
RepairMyCreditScores.com — Fix My Credit in FL.
Overall rating: 4.3/5
RepairMyCreditScores.com disputes negative items and inaccuracies on credit reports with the three major bureaus to help improve credit scores.
Next Steps
- Compare RepairMyCreditScores.com against similar options above.
- Run our borrowing power quiz to see how RepairMyCreditScores.com matches your situation.
- Check state regulator listings for RepairMyCreditScores.com's licensing before committing.
- Visit RepairMyCreditScores.com once you're ready.
Glossary of Terms
Common terms that come up when comparing Fix My Credit providers. Full glossary at creditdoc.co/glossary/.
- Amortization — Loan Amortization
- The process of paying off a loan through regular payments that cover both principal and interest. Early payments are mostly interest; later payments are mostly principal.
- Why it matters: Understanding amortization explains why paying extra early in a loan saves the most money — you're reducing the principal that interest is calculated on.
- Example: Month 1 of a $200,000 mortgage at 6%: your $1,199 payment splits as $1,000 interest + $199 principal. By month 300: only $47 goes to interest and $1,152 goes to principal.
- Balloon Payment
- A large lump-sum payment due at the end of a loan, after a period of smaller monthly payments. The loan isn't fully paid off by the regular payments — the balloon settles it.
- Why it matters: Balloon payments make monthly payments look affordable but create a financial cliff. If you can't pay or refinance at the end, you could lose your home or asset.
- Example: A 5-year balloon mortgage on $200,000: you pay $1,054/month (as if it were a 30-year loan), but after 5 years you owe a balloon of $186,108 all at once.
- Collateral — Loan Collateral
- An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
- Why it matters: Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
- Example: A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
- Cosigner — Loan Cosigner
- A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
- Why it matters: Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
- Example: A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
- 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.
- Default — Loan Default
- When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
- Why it matters: Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
- Example: You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
- 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.
- Loan Term (Tenor) — Loan Term / Tenor
- How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
- Why it matters: Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
- Example: Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
- Origination Fee — Loan Origination Fee
- A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
- Why it matters: Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
- Example: You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.