Services

Credit repair, done properly.

From bankruptcies, to charge-offs, to medical bills, we have challenged virtually every credit problem. Here is what we do, in the order we do it.

  1. 01Credit Report Review
  2. 02Three-Bureau Credit Audit
  3. 03Credit Dispute Services
  4. 04Credit Building Support
  5. 05Credit Profile Rebuild
  6. 06Online Client Dashboard
A specialist at A Plus Credit Services working through a client's report
Coral Way office, Miami

Credit Report Review

We review your full credit report and pinpoint issues that may impact your score.

  • All three reports, pulled and read line by line
  • Every negative item identified before you pay anything
  • You see exactly what is affecting your profile

Three-Bureau Credit Audit

We perform a detailed audit across Equifax, TransUnion, and Experian to verify accuracy and remove errors.

  • Equifax, TransUnion and Experian checked separately
  • Inaccurate, incomplete and unverifiable items flagged
  • A written plan of what can be challenged

Credit Dispute Services

We dispute inaccurate, outdated, or unverifiable items directly with the bureaus to restore your credit fairness.

  • Disputes filed directly with the bureaus
  • Rounds continue until each item is resolved
  • Only inaccurate, outdated or unverifiable information is disputed
Two A Plus specialists reviewing a dispute together at the computer

Credit Building Support

Our specialists guide you step-by-step with strategies designed to strengthen and improve your overall credit health.

  • A real specialist on your case, in English or Spanish
  • Update calls with clear next steps
  • Guidance on balances, payments and new accounts

Credit Profile Rebuild

We help rebuild your credit into a healthier profile that qualifies you for better financial opportunities.

  • Positive history built alongside the disputes
  • A profile lenders can say yes to
  • Long-term habits, not quick fixes
Keys being handed over for a new home

Online Client Dashboard

Track progress, view updates, and access important documents securely through your personal client dashboard.

  • Every dispute and update, visible as it happens
  • Documents in one secure place
  • Messages answered in the app
An A Plus specialist at her desk with the client dashboard on screen
An A Plus Credit Services specialist at her desk

Our vision

We have helped thousands of clients improve their credit file.

A Plus Credit takes problematic credit reports seriously. We understand the consumer laws, and we help our clients to leverage those legal rights so that their credit reports remain fair and accurate.

Doing work for our clients that resulted in thousands of items removed from their credit reports last year alone.

★★★★★4.82,965 Google reviews

Understanding the damage

What one negative item can cost a score

Typical point drops, by the score you start from. The higher the score, the further it falls.

ItemLower scoreHigher score
Bankruptcy−85 to −105−140 to −240
Foreclosure−85 to −105−120 to −160
Auto repossession−85 to −105−120 to −160
Charge-off−50 to −80−85 to −120

Typical ranges, in points. Individual results vary.

What we can help with

Credit problems we work on

From bankruptcies, to charge-offs, to medical bills, we have challenged virtually every credit problem. We understand the consumer laws, and we help our clients leverage those legal rights so that their credit reports remain fair and accurate.

Collections
Charge-offs
Late payments
Medical bills
Bankruptcies
Repossessions
Foreclosures
Hard inquiries
Identity theft items
Outdated or duplicate accounts

Our process

3 Easy Steps To Begin Your Credit Building

No case is the same, therefore at A Plus Credit Services, we offer you a free credit evaluation to first determine if you are a good candidate for our program and the best course of action for your case.

An A Plus Credit Services specialist walks a client through his credit report
1 Step 1 of 3Free Evaluation
01

Free Evaluation

We will help you obtain all 3 credit reports and go over them with you. At this point, we go over every piece of information that is affecting your credit profile and the actions we need to take to improve it.

02

Credit Analysis

Once all questions and concerns have been cleared out, it is time to sign your Agreement. We will go over our disclosure agreement, our personalized plans and cancellation policy.

03

Get Started

You sign, and our team gets to work — and you follow every step in your dashboard.

Are you ready to be financially free?

Work with experts and fix your credit today.

Schedule a free consultation. We review your three reports with you and tell you exactly what can be done. No obligation, and it won't affect your score.

Book a Free Consultation