CLIENT RESULTS A closer look at the credit repair process
See an example of how account updates and changes can appear during a client's credit repair journey.
Unlock Maximum Results with Miami Credit Repair's Proven Services!
- Budget-Friendly Solutions: Benefit from our cost-effective credit repair services tailored to fit your financial plan.
- Uncompromising Quality: Experience top-tier expertise and personalized attention without compromising on quality.
- Transparent Pricing: No hidden fees or surprises – our clear pricing ensures you know exactly what you're getting.
- Trustworthy Results: Elevate your credit score with our proven strategies and unwavering commitment to lasting success.
MEET THE FOUNDER
More about Leo Gonzalez
Founder of Miami Credit Repair, Leo Gonzalez has worked in the credit repair industry since 2018.
His own experience with financial challenges inspired him to build a service focused on helping consumers better understand their credit reports, identify information that deserves further review, and approach their credit with a more organized strategy.
His approach combines practical experience, technology, credit education, and structured follow-up to make the credit repair process clearer and easier to understand.
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Experience since 2018 Focused on credit repair and consumer education.
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Individual credit review Every credit profile and report is different.
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100% online process Convenient service for clients throughout the United States.
FEATURED INTERVIEW
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Understanding what is being reported on your credit is the first step toward making more informed financial decisions.
— Leo GonzalezFAQ — Miami Credit Repair
How much is the service?
Two costs: our service + your credit monitoring.
- Monitoring: $1 (7-day trial) then $19.99/month. We need this to securely pull your reports.
- Our service: $0 to start, then billed every 30 days:
• $85/month (individual)
• $150/month (couples)
How long should I stay enrolled?
Most clients work with us 3–6 months, but every file is unique. Bureaus take 21–30 days to respond each round, and some cases need extra documentation.
Credit repair isn’t a “quick fix”—it’s like the gym: consistent effort, real results.
Can I cancel anytime?
Yes. There’s no contract and no cancellation fee. You can cancel even minutes after enrolling.
What laws protect me (FCRA)?
The Fair Credit Reporting Act (FCRA) lets you dispute items on your reports. Bureaus must investigate and remove anything that isn’t accurate, complete, or verifiable.
What about debt collectors (FDCPA)?
The Fair Debt Collection Practices Act (FDCPA) sets rules for collectors. Violations can help us challenge how a debt is being reported.
What does Miami Credit Repair actually do?
We help you understand and improve your credit. For negatives, we challenge anything inaccurate, incomplete, or unverified. For thin files, we guide you on building credit with smart products and habits.
Do I need credit repair or credit building?
- Negative accounts? You likely need credit repair.
- No history? You need credit building (we’ll recommend starter products and a plan).
How does credit repair work?
We dispute items that hurt your scores. Deletions can occur when accounts are inaccurate, incomplete, unverified, or when there’s no timely response from furnishers/bureaus.
Are you compliant with CROA?
Yes. We follow the Credit Repair Organizations Act (CROA): no upfront fees, no fake promises, and you can cancel anytime.
Can I use Credit Karma or the Experian app?
Those apps don’t integrate all three bureaus into our system. We need a full monitoring account. If you already use SmartCredit, Credit Hero Score, IdentityIQ, or PrivacyGuard, we can use that. We often recommend Credit Hero Score for cost/value.
Do you follow the Telemarketing Sales Rule (TSR)?
We’re not a telemarketing company, and we don’t do cold calls. During enrollment, you authorize us to review your reports and discuss your case—aligned with the TSR.
What do I need to enroll?
- Basic info + a photo ID (driver’s license)
- Proof of address (utility bill, bank/credit card statement, etc.)
- A standard debit/credit card (no prepaid cards like Cash App/Chime)
Sign-up takes about 5 minutes.
How will I get updates?
About every 30 days your portal refreshes with new scores and changes. We also email progress, and bureaus mail responses. Prefer phone? Call us every 30 days—happy to talk.
Why choose Miami Credit Repair?
We’re transparent, law-compliant, and easy to reach. We educate upfront so there are no surprises, and our pricing is fair. You’ll find 5-star feedback across social and Trustpilot. If it’s ever not a fit, we’ll respectfully part ways—no drama.
How can I follow you or see reviews?
Find us on Facebook (TheCreditRepairGeek) and Instagram. For reviews, search Miami Credit Repair on Google. Our sites: MiamiCreditRepair.site and MiamiCreditRepair.org.
We value honesty—no hype. We work with clients who understand the process and want real results.
Things we don’t do
- We don’t promise results or claim we can “fix credit” without reviewing reports (that would violate CROA).
- We don’t do “credit sweeps” or file false police reports.
Like a doctor or lawyer, we review your case first—then act within the law.
What if a creditor sues me?
Lawsuits and repayment plans require an attorney or direct work with the creditor. Credit reporting and owing debt are separate: paying a debt doesn’t automatically delete its history, and a deletion doesn’t erase the debt itself.
What can be removed / what do you work on?
We challenge negatives such as late payments, charge-offs, collections, bankruptcies, and more when they’re unverified, inaccurate, incomplete, or not responded to in time under FCRA/FDCPA.
Online disputes vs hiring a service
Online forms often send a simple “not mine” flag and can limit future disputes. We build stronger, document-backed cases and track responses round-by-round. Whether DIY or with us, always mail documents and keep a paper trail.
Will deleted items return?
Sometimes a sold collection gets re-reported by a new collector. If previously unverified, we work to show it’s duplicate/invalid. It’s not the same account “coming back,” but it can look that way.
Will paying bad debts delete the negative?
Not automatically. Collections/charge-offs can still report up to 7 years. Whether to pay a collector is a legal/financial decision—consult an attorney. Our focus is removing errors and violations impacting your scores.
Does hiring a credit repair company “fix my credit” automatically?
No one can guarantee outcomes in advance (CROA). Like hiring a lawyer, you hire us to attempt to improve your situation using laws and documentation.
How will I be billed?
Your card is billed monthly on (or near) the date you enrolled, after work is completed. You’ll get reminder emails ahead of time.
How do I update my payment method?
We email you 7 and 3 days before your due date. If a payment fails, you’ll receive a secure update link. You can also email support@miamicreditrepair.org (Mon–Fri, 9–5 EST).
Can I request a refund?
We don’t charge to start, and you can cancel before a new month begins. Once a month’s disputes are processed, we can’t reverse bureau investigations or refund that month’s work.
Is my payment info stored safely?
Yes. We only see the last 4 digits for verification—full details are tokenized and hidden from us.
Can I request a phone consultation?
Absolutely. To keep lines open for case-specific needs, our support number is for enrolled clients. If a quick question wasn’t answered here, email support@miamicreditrepair.org (Mon–Fri, 9–5 EST).
Can my credit be fixed fast?
If it sounds too good to be true… it usually is. We follow the law, not hype. Real work takes rounds and documentation.
Will my score drop?
Scores drop when negatives are added (missed payments, hard inquiries, charge-offs/collections, high utilization, new debt/shorter age). Reviewing your credit with us does not add a hard inquiry.
What if I have more questions before I enroll?
Ask away. Click the chat bubble or email support@miamicreditrepair.org. We reply the same business day (Mon–Fri, 9–5 EST). Check spam if you don’t see a reply.
Can I pay upfront to avoid future billing?
No. CROA prohibits upfront service fees. Compliance matters more than shortcuts.
Do we need to meet in person?
Our process is 100% online for speed and security. Enrolled customers have our support number for quick 3–5 minute calls from home.
REAL CLIENT STORIES
See what the process looks like in real life
Watch client experiences, educational walkthroughs, and examples of how credit profiles can change over time. Every credit file is different, and individual results will vary.
CLIENT STORY A real credit journey
Hear directly from a client about their experience and the steps involved in working on their credit.
CREDIT EDUCATION Understanding changes in your credit
Learn how reported information, account updates, and other factors can affect a credit profile.
TRANSPARENCY MATTERS
Credit repair is not the same for everyone.
The examples above are intended to show real experiences and how the process works. Results depend on the consumer's individual credit profile, creditors, bureaus, documentation, and information being reported.
Individual review Every credit profile is evaluated separately.
Documented process Progress is reviewed as new information becomes available.
Client access Clients can follow updates through the available portal and support channels.
Testimonials and examples represent individual experiences and do not guarantee that another consumer will receive the same or similar results. No specific deletion, score increase, approval, or completion timeline is guaranteed.
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953 Collins Ave 321, Miami Beach, Florida 33139