Our credit repair specialists dispute items with the three credit bureaus and give clients a credit repair plan tailored to living in Miami.
Get StartedThere are a few common threads among the people seeking credit repair in Miami.
Many newcomers to the US want to remove the negative credit history they amassed in their home countries, give themselves a clean credit slate and establish new credit history so they can be extended loans and rentals.
Miami is a service city with lots of jobs in hospitality, tourism and real estate that can be seasonal and abrupt changes in business can lead to collection and eviction notices.
Damage from natural disasters can push your budget over its limit, and the credit damage can follow you for a long time.
You may have collections and charge-offs that appear on your credit report that are fraudulent or too old to be on your report.
Our credit repair specialists take a close look at your credit report, and if you have something on your report that you do not think is correct, we will remove it.
We look at your credit report from all three credit bureaus line by line for mistakes, duplicates and mismatched files. We look for report entries that are beyond the legal reporting window.
We work with challenges to dispute accounts, medical collections, repossessions and charge-offs.
We take care of the letters, deadlines and follow-up so you can take care of your clients and/or your business.
We translate your report to English and explain the main items that negatively impact your report.
We focus on your short- and long-term goals, whether that is a lease, a building, a car loan, a house or financing to grow your business.
You tell us where you stand and where you want to be. We tell you what's bringing your score down and give you an estimate.
We collect your reports from Equifax, Experian and TransUnion and flag anything that looks incorrect, outdated or unverifiable.
You get a recommendation based on your report. Recommendations range from a targeted cleanup to a full rebuild and/or fund financing.
We work through challenges, track and follow up on each case until it resolves.
We teach and aid you in building better credit. We stay in touch as your Client Success Manager if you have a support plan.
If your pay is seasonal, tips or commissions, we create habits and a strategy that hold up over the course of the year.
We provide answers and give you progress reports.
We provide credit-building services, and qualified clients can get help in procuring funding of $50,000 and above or business funding of $100,000 and above, which aligns with the requirements of Miami’s business owners and entrepreneurs.
Want to rent or start a business with your partner? Our couple plans allow you to work on your credit individually or together.
Educating our Miami clients on their finances, so they can make informed decisions and feel confident in their choices instead of using jargon or unnecessarily complicated language.
Results, integrity, and education are the foundation of our practice.
An educator founded Head's Up Financials and believes credit repair should be straightforward, simple and honest.
Our team specializes in and is trained in dispute resolution, client success and representation.
We are in compliance with the CROA.
We serve clients across South Florida, including Miami Beach, Coral Gables, Hialeah, Doral, Homestead, Fort Lauderdale and Hollywood well as clients nationwide.
Every plan below is designed for a different stage, from straightforward cleanup to funding-focused strategy.
|
Plan |
Starting At |
Best For |
|
Magic City Plan |
$550 (Reg. $1,000) |
Removing negative items across all 3 bureaus |
|
Oasis Plan |
$1,560 |
Credit repair + credit-building + funding guidance up to $50K |
|
Empire Plan |
$2,560 |
Personal + business credit, LLC setup, funding up to $100K |
|
Guardian Sweep |
$3,000 |
Aggressive dispute campaigns for severe derogatory items |
|
Ascend Mentorship |
$5,000 |
1-on-1 mentorship, credit + business strategy, funding up to $150K |
|
Dynasty VIP |
$7,500 |
White-glove service for entrepreneurs scaling wealth |
Schedule a free consultation and take with you a plan customized to your unique needs and situation, along with your next steps to achieve your financial goals.
Credit repair focuses on removing negative information from your credit report. If your file is “thin” or doesn’t exist, credit building is typically the first step. We look at your situation and take it from there. Usually, clients benefit from both.
Typically, negative credit report entries are accurate and cannot be removed due to circumstances. However, many credit reports contain errors, and/or duplicates, and/or items that are unverifiable. Those are fair game to challenge. We will let you know what is and what is not disputable.
No, and no other legitimate company can do that, either. Federal law prohibits credit repair organizations from guaranteeing results. We guarantee we will go through the dispute process with you and support you throughout.
No, everything can be handled over the phone/email/video, and we serve the entire South Florida area.