Florida's Premier Credit Repair

Your Score.
Your Future.Reclaimed.

We analyze your credit report across all three bureaus, identify every error and negative item, and fight to remove what doesn't belong — so you can access the life you deserve.

Get My Free Analysis › See How It Works
0
Target Score
0
Bureau Coverage
0
% Compliant
782
Credit Score — After
Equifax
780
Experian
785
TransUnion
782

*Example results. Individual results vary.

The Process

Four Steps to Better Credit

Simple, transparent, and built around your rights under federal law.

01
Free Credit Analysis
We pull your three-bureau report and run a full audit of every account, balance, date, and notation — identifying every item that may be harming your score.
02
Build Your Strategy
We map out a custom dispute roadmap — what to challenge, which bureaus, in what order — designed for maximum results without shortcuts.
03
Dispute & Escalate
We draft and send professionally written dispute letters, escalating to the CFPB when bureaus fail to respond or correct inaccurate information.
04
Track & Optimize
You get a dedicated client portal to see every dispute in real time — along with guidance on building positive credit history for long-term results.
What We Fix

Every Negative Item. Every Bureau.

We handle the full spectrum of credit report problems — from minor errors to serious derogatory marks.

⚡
Late Payments
Negative payment history is the #1 score killer. We challenge inaccurate late payment notations under FCRA § 623.
  • 30, 60, 90+ day lates
  • Goodwill letters to creditors
  • COVID-19 CARES Act disputes
🏦
Collections & Charge-Offs
Old debts dragging your score down? We validate, dispute, and escalate collection accounts that can't be verified.
  • FDCPA debt validation letters
  • Verification of original debt
  • CFPB complaint escalation
🔍
Hard Inquiries
Unauthorized hard pulls can lower your score. We identify and dispute every inquiry you didn't explicitly authorize.
  • Unauthorized pull identification
  • FTC identity theft reports
  • § 1681c-2 blocking requests
👤
Personal Information Errors
Wrong names, addresses, or SSN variations can signal mixed files. We clean your identity data across all bureaus.
  • Name and address corrections
  • Mixed file resolution
  • Identity theft recovery
🛡️
Identity Theft Recovery
If your information was used without your consent, we file fraud alerts, credit freezes, and dispute every fraudulent account.
  • Fraud alert placement
  • Credit freeze activation
  • Fraudulent account removal
📈
Credit Building Guidance
Removing negatives is only half the battle. We guide you through building positive credit history that lasts.
  • Secured card strategy
  • Credit utilization optimization
  • Score monitoring & alerts
Why 850 Plus

Not Just Letters. Real Results.

We're not a credit repair mill. We're a dedicated team that treats your credit file the way it deserves — with precision, transparency, and the full force of the law.

📋
You Only Pay for Results
No upfront fees for work we haven't done. Our pay-per-deletion model means we're motivated to actually remove items from your report.
⚖️
100% FCRA & CROA Compliant
Every dispute letter, every action, every communication follows federal law. No illegal tactics. No shortcuts that can backfire.
🔒
Your Own Client Portal
Track every dispute in real time. See exactly what was sent, to whom, and what the response was — complete transparency, always.
🤝
Florida-Based, Personalized Service
We're local. You speak directly with the person managing your case — not a call center, not a chatbot.
⚖️
Built on Federal Law

Every action we take is grounded in the three federal laws that protect your rights as a consumer.

📜
FCRA — Fair Credit Reporting Act
Your right to accurate information in your credit file
🏛️
CROA — Credit Repair Organizations Act
Legal protections for credit repair service contracts
📬
FDCPA — Fair Debt Collection Practices Act
Your rights against illegal debt collection tactics

850 Plus Credit Solutions LLC is a licensed credit repair organization registered in Florida operating in full compliance with all applicable federal and state consumer protection laws.

Client Results

Real People. Real Scores.

These results come from our clients — real Floridians who took control of their credit.

★★★★★
⬆ +127 points in 4 months

"I had 3 collections and 2 charge-offs that I didn't even recognize. 850 Plus fought every single one. My score went from 548 to 675 and I finally got approved for a mortgage pre-qualification."

M
M.T.
Miami, Florida
★★★★★
⬆ +98 points in 3 months

"I tried disputing on my own and got nowhere. Within 90 days of working with 850 Plus, 5 late payments were removed and one collection was deleted. The portal made everything crystal clear."

C
C.R.
Orlando, Florida
★★★★★
⬆ +143 points in 6 months

"My identity was stolen and I had accounts I never opened. They handled the fraud alerts, filed everything with the FTC and CFPB, and had 11 fraudulent items removed. Complete professionals."

L
L.M.
Tampa, Florida

*Testimonials are from actual clients. Results may vary. Individual outcomes depend on credit history, type of items disputed, and bureau response times.

Common Questions

Frequently Asked Questions

How long does credit repair take?▾
Most clients see meaningful results within 30 to 90 days. The timeline depends on the number and type of negative items, how quickly the bureaus respond, and whether items need to be escalated to the CFPB.
How much does it cost?▾
We use a results-based model — you pay based on what we actually accomplish for you, not just for letters sent. We'll explain the complete fee structure during your free consultation, before you commit to anything.
Can you remove accurate negative items?▾
We focus exclusively on inaccurate, unverifiable, and outdated information. Under the FCRA, credit bureaus must verify every item — if they can't, it must be removed. We do not attempt to remove accurate, verified information, which would be illegal and ultimately ineffective.
What do I need to get started?▾
Just your most recent three-bureau credit report, a valid government-issued ID, and proof of address. We handle everything else. The initial consultation is completely free with no obligation.
Is credit repair legal?▾
Absolutely. Disputing inaccurate information on your credit report is a federally protected right under the Fair Credit Reporting Act. We operate 100% within these legal frameworks.
Can I do this myself?▾
Yes — and if you have the time to learn the process, write effective dispute letters, track 30-day response windows, and escalate to the CFPB when needed, DIY can work. Most people find the process overwhelming or don't get results because generic letters aren't effective. That's where we come in.
Get Started Today

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By submitting this form, you agree to be contacted by 850 Plus Credit Solutions LLC by phone or email. We never sell your information. This is not a credit application.

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