At FL CreditFix, we believe in empowering our clients with real knowledge — not just promises.
Understanding your credit and your rights as a consumer is the first step toward lasting financial health.
But when it comes to actually fixing credit, you shouldn’t have to do it alone.
That’s why we provide both education and action — helping you understand how credit works, while we handle the disputes and negotiations on your behalf.
Your credit score is made up of several weighted factors:
Payment History – Whether you’ve made past payments on time
Amounts Owed – How much credit you’re using compared to limits
Length of Credit History – How long your accounts have been open
New Credit – Recent inquiries or new accounts
Credit Mix – The variety of credit types you use (credit cards, loans, etc.)
These factors combine to form your FICO® or VantageScore® rating.
Even one mistake or outdated account can cause your score to drop — sometimes by dozens of points.
At FL CreditFix, we review your full credit report and identify every inaccuracy, ensuring your credit reflects your true financial behavior.
Learn more from trusted sources:
The Fair Credit Reporting Act (FCRA) was passed to ensure fairness, accuracy, and privacy in the credit reporting system.
It gives you powerful protections, including the right to:
Access your credit reports from each of the three major bureaus
Dispute inaccurate, incomplete, or unverifiable information
Have errors investigated within 30–45 days
Demand removal or correction of false data
You can read the law and consumer rights directly from official government sources:
Full Text of the Fair Credit Reporting Act (FCRA) – U.S. Code, Title 15, Chapter 41, Subchapter III
Federal Trade Commission (FTC): Summary of Consumer Rights Under the FCRA
Consumer Financial Protection Bureau (CFPB): Credit Reporting Overview
Under the law, you have the right to dispute credit report errors yourself — and many consumers try.
You can write letters to credit bureaus, creditors, and collection agencies, explaining each inaccuracy in detail.
But here’s the challenge:
Many disputes are processed by automated systems that only look for matching templates.
Generic online or form-based letters are often ignored or denied.
Tracking multiple disputes across three bureaus takes time and expertise.
Without documentation or precise language, valid claims can get rejected.
That’s why so many people get frustrated — and give up before seeing results.
At FL CreditFix, we handle all of that for you.
We prepare the proper documentation, address each bureau and creditor directly, and ensure that all inaccurate or unfair items are disputed at once — not months apart.
You could spend hours writing letters and waiting for replies,
or you could let our experienced team manage the process efficiently and legally —
so you can focus on rebuilding your future.
FL CreditFix streamlines the entire process:
Personal Credit Consultation – Sit down with a credit specialist face-to-face.
Comprehensive Credit Review – We examine every item on your report for accuracy.
All-at-Once Dispute Strategy – We challenge all negative or incorrect items simultaneously.
Follow-Up and Reporting – We track responses and confirm verified improvements.
Visible Progress in 45 Days – Most clients see measurable results quickly.
We don’t just educate you — we act for you, legally and effectively.
These official links offer detailed information from trusted public and financial institutions.
They explain how credit works and what rights consumers have — but for real, lasting results, professional guidance makes the difference.
Education is the foundation, but action drives progress.
At FL CreditFix, we combine more than 20 years of experience with compassion, professionalism, and proven results.
We’re proud to help people from all walks of life — no judgment, no shame — just expert help to get your credit where it should be.
FL CreditFix — Repair. Rebuild. Rise.
Let’s build your credit, your confidence, and your future — together.