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RepairMyCreditScores.com disputes negative items and inaccuracies on credit reports with the three major bureaus to help improve credit scores.
Data compiled from public sources
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 staff context' 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 listed refund term, stating: 'If we don't improve your credit as promised, you get your money back.' This listed refund term language suggests confidence in documented outcome context, 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 listed refund term 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.
This is state-level context for fix my credit consumers in Miami, FL. It does not confirm that RepairMyCreditScores.com or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
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.
RepairMyCreditScores.com has profile signals associated with 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 listed refund term as assurance before paying for credit repair services.
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).
In the financial services category, comparable providers include Coastal Debt Resolve, Credit Repair Specialist, Tradelines, Authorized User Tradelines and Credit Repair. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
RepairMyCreditScores.com is appropriate for consumers with multiple negative credit items seeking professional dispute services backed by a listed refund term. However, the absence of verifiable company history, licensing credentials, and specific listed refund terms warrants comparable public verification context before engagement—check state licensing requirements and FCRA compliance before committing funds.
View this provider profile and compare source-linked details before choosing what to do next.
Profile signals: Small business owners with $10,000-$100,000+ in Merchant Cash Advance debt seeking settlement alternatives, Business owners concerned about maintaining credit history while resolving MCA obligations
View this provider profile and compare source-linked details before choosing what to do next.
Profile signals: Consumers in Aventura, Florida looking for credit repair services, People who prefer working with a local credit repair provider
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