Credit report · 3 bureaus
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Credit Report Review
We review your full credit report and pinpoint issues that may impact your score.
Credit repair · Miami, FL
Rebuild Your Credit With Confidence.
Learn about the process of how A Plus Credit Services will help you with credit improvement that will have you on the path to financial freedom.
4.8 · 2,965 Google reviews
No obligation · Won't affect your score
Stop relying on cash for every purchaseGet approved for higher credit limitsQualify for lower-interest home loansEnd debt collector harassment
What we do
Our Credit Repair Services
A
Hi! I'm your specialist. Ready to go over your plan step by step?
A Plus specialistOnline now
Credit Building Support
Our specialists guide you step-by-step with strategies designed to strengthen and improve your overall credit health.
A healthier profile
Credit Profile Rebuild
We help rebuild your credit into a healthier profile that qualifies you for better financial opportunities.
Three-bureau audit
Equifax
TransUnion
Experian
Three-Bureau Credit Audit
We perform a detailed audit across Equifax, TransUnion, and Experian to verify accuracy and remove errors.
Credit Dispute Services
We dispute inaccurate, outdated, or unverifiable items directly with the bureaus to restore your credit fairness.
Online Client Dashboard
Track progress, view updates, and access important documents securely through your personal client dashboard.
What actually happens
Your report, line by line. Then we go to work.
We pull all three reports, mark what shouldn’t be there, and challenge it with Equifax, TransUnion and Experian ourselves. You see every move in your dashboard.
01Pull and audit
- 1Pull & auditAll three reports, every line.
- 2DisputeAnything inaccurate, outdated or unverifiable goes to the bureaus.
- 3CorrectedWhat can’t be verified comes off. You watch it happen in your dashboard.
Illustrative example. We dispute only inaccurate, outdated or unverifiable information; results vary by case.
We dispute with all three. Not affiliated with any of them.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.
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.
Why it matters
What good credit does for you
Good or bad credit could mean thousands on an auto loan and tens of thousands on a home loan.
The same car$25,000 · 5 years
Good credit
Bad credit
Interest rate
6%
21%
Monthly payment
$0
$0
Total interest
$4,000
$15,000
Paid more for the same car
—
+$0
Illustrative example. Real rates vary by profile.
A message from our founders
We opened A Plus for one reason: to do things straight up.
We saw too many families pay for promises no one kept. So we sit down with you, review your three reports, and tell you the truth — what can be disputed and what can't — before you pay a single dollar.
No magic. No false promises. Just the work, done right, by your side.
Adony Pérez · Founder, A Plus Credit Services
Team members
Meet the team at A Plus Credit Services
We're not an app or a robot. A team of real specialists works on your credit every day.
Why they trust us
A real team, in a real office, with thousands of reviews
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Specialists on the team
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Bureaus audited on every case
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Reviews on Google
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Average Google rating
Award-winning & certified
Results vary. We don't guarantee specific results.
Real stories
What Our Clients Say
★★★★★
I had an excellent experience thanks to the outstanding customer service and professionalism of the team. From the moment I reached out, they were prompt, courteous, and attentive to my needs. Every interaction was handled with care and respect, and I truly felt like a valued customer.
★★★★★
They explained the process clearly and set realistic expectations. Communication was consistent. No pressure and no gimmicks. I saw real improvements and understood every step.
★★★★★
Katherine has been a huge help with my credit repair. It’s not a scam. A Plus Credit Services is legit with real people to help you with your credit repair. I recommend you ask for Katherine to help you as well.
★★★★★
They are very professional and keep you updated. They reply to the messages in the app promptly. They have the best team and everyone take care of their customers. They spend time on their work diligently.
★★★★★
I can’t say enough good things about A+ Credit Service. From day one, their follow-up has been consistent and reassuring — I never felt like I was left wondering what was happening with my credit. They’re extremely transparent about the process, what’s realistic, and the steps needed to rebuild properly, which I truly appreciated.
★★★★★
I have worked with several credit repair companies in the past and unfortunately had very disappointing experiences. Many of them felt more focused on taking my money than actually helping me improve my credit. This company has been the complete opposite. Their communication is exceptional, and the level of transparency they provide is unmatched. I appreciate having access to their app, where I can view every action taken on my file, track disputes, and stay fully informed throughout the process.
★★★★★
My initial evaluation and contact with Erica was great she was patient walked through my credit answered all my questions and heard my concerns. I’m enthused to see results and continued partnership to credit worthiness.
★★★★★
Everyone has been extremely supportive and helpful. I enjoy that you are talking to an actual human, and they don’t treat you like “just a number”.
★★★★★
Very friendly and knowledgeable, they explained everything step by step and what u can expect, ho hidden fees, everything is straight up, very happy I choose A plus Credit Services
Individual results vary. Reviews shown as written on Google.
Read more reviews on Google
FAQ
Questions people ask before they call
Straight answers. If yours isn’t here, the free consultation is the place to ask it.
Still have a question?
Talk to a real specialist, in English or Spanish. No obligation.
01What happens on the free consultation?
A specialist helps you obtain all three credit reports and goes over them with you. You see every piece of information that is affecting your credit profile, what can be disputed, and the actions we would take to improve it. You also hear the exact monthly price before committing to anything. No obligation, and it won’t affect your score.
02Is this a scam like the ones on TV?
No — and we understand why you ask. That’s why we start with a free review and tell you the truth before you pay anything. We dispute inaccurate, unverifiable or outdated information with all three bureaus, and honestly explain what can and can’t be fought. You hear it all before you commit.
03Can you remove anything from my credit report?
No — and any company that promises to erase everything is lying to you. By law, only inaccurate, incomplete or unverifiable information can be removed. What we do is review your reports from all three bureaus, identify every questionable negative item and dispute it with Equifax, Experian and TransUnion. Negative information that is 100% accurate and verifiable stays — but you’d be surprised how much isn’t. On the first call we review your report and tell you honestly what can be challenged.
04How much does it cost, and when will I know?
Before you pay anything. In your free consultation, a specialist reviews your three credit reports, identifies the negative items that can be disputed, and explains a clear monthly price with no surprises. No hidden fees, no endless contracts. You hear the exact price before committing to anything.
05How long does it take to see results?
Most clients start to notice movement on their report within 30 to 60 days, as the bureaus respond to disputes of inaccurate information. Full processes can take 6 to 12 rounds of disputes depending on your particular situation. We don’t guarantee specific scores, but we work diligently on every disputable account.
06How is A Plus different from the credit companies you see on TV?
In three ways. The first person you talk to is a real credit specialist — not a salesperson working on commission. Your price is clear and monthly, disclosed up front — no surprise charges. And we tell you the truth about what can and can’t be removed from day one — even when the answer isn’t the one you were hoping for. That honesty is rare in this industry, and it’s why our clients refer us to their families.
07Do you really offer bilingual support?
Yes. Your specialist supports you in English and Spanish, every step of the way — by phone, Zoom and in your client dashboard. Many families come to us precisely because someone finally explains everything clearly, with patience.
08What is credit building?
Credit building refers to the process of improving or fixing an individual’s credit score by identifying and addressing inaccuracies or errors on their credit report.
Our office
Come see us in Miami
Our office is conveniently located in the Coral Way Shopping Center, offering easy access for clients.
- Phone
- (305) 433-4122
- Languages
- English & Spanish
Instagram
A look inside the office
The latest reels from the team. Tap one to watch it with sound.