Credit Audit
We pull together your reports from Equifax, Experian, and TransUnion and go through them with you.
- Line-by-line review of all three reports
- Items that look inaccurate, outdated, or unverifiable
- A clear, written action plan
Port St. Lucie & South Florida credit repair
Get your credit report right. Get ready for what's next.
We review your credit reports line by line, challenge items that are inaccurate, incomplete, or can't be verified, and teach you how to build strong credit habits. When you're ready, we help you prepare for funding.
- No upfront fees
- Pay only after work is done
- Cancel anytime
Services
Help that fits where you are
Start with credit repair. Move on to funding readiness when your reports are in better shape.
Disputes & Follow-Up
We prepare and mail disputes to the credit bureaus and creditors for items that are inaccurate, incomplete, or can't be verified.
- Bureau and creditor (furnisher) disputes
- Tracking every response and deadline
- Monthly progress updates
Credit Education
Lasting credit comes from good habits. We show you how scoring works and what you can do day to day.
- Utilization, payment history & credit mix
- Budgeting and on-time payment tips
- Building positive credit history
Included in Full Service
Funding Readiness
After credit repair, we help you get organized and prepared to apply for funding — so you understand what lenders look for before you apply.
Funding Readiness is education and preparation only. Premium Credit Partners is not a lender or mortgage broker and does not make, broker, or arrange loans. We take no referral fees, commissions, or other pay from any lender. When you are ready, we can point you toward licensed lenders or loan officers so you can apply on your own. Approval decisions are made solely by lenders, and no approval is guaranteed.
- Readiness review: your reports, utilization, income records, and debt-to-income
- Personal: preparing for personal loans and credit cards, and getting your documents in order
- Business: business credit profile setup (EIN, D-U-N-S number, business bank account) and application prep
- Auto: knowing your numbers before you visit a dealer
- Mortgage readiness: education on credit, debt-to-income, and savings goals before you talk to a licensed loan officer
How it works
Four clear steps
You'll always know what we're doing and what comes next.
Free consultation
We talk about your goals, answer questions, and explain your rights. No cost and no obligation.
Sign up & review
You get our written disclosures and agreement, with time to cancel. Then we audit your three credit reports.
Disputes go out
We mail disputes for items that are inaccurate, incomplete, or unverifiable. Only then is the $99 audit fee charged.
Track & prepare
We follow up each month, keep you updated, and — on Full Service — help you get ready for funding.
Pricing
Straightforward pricing. Never upfront.
Every fee is billed only after the work it covers has been performed.
Credit Audit
$99 one time
Charged only after your first disputes are mailed
- Review of all three credit reports
- Written action plan
- First round of disputes prepared & mailed
Basic
$79 / month
Billed after each month's work is done
- Review of all 3 credit reports each dispute cycle
- Bureau disputes: up to 5 items per bureau each cycle
- Response tracking & follow-up disputes
- Written monthly progress update
- Replies within 2 business days
- Cancel anytime
Most complete
Full Service
$109 / month
Billed after each month's work is done
- Everything in Basic, plus:
- Bureau disputes: up to 10 items per bureau each cycle
- Disputes direct to creditors, debt validation & goodwill request letters
- Unauthorized-inquiry & personal-info corrections
- Monthly 1-on-1 credit-building session
- Funding Readiness: personal, business, auto & mortgage-readiness preparation
- Priority replies within 1 business day
No fees are collected before services are performed. Results vary from person to person and are not guaranteed. Accurate, timely information generally cannot be removed from a credit report. You may cancel your contract without penalty or obligation within 3 business days under federal law and within 5 days under Florida law.
Know your rights
You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly — for free. You don't need to hire anyone to do it. A credit repair company cannot legally remove accurate, current negative information from your report. You can get free copies of your reports at AnnualCreditReport.com.
Before you sign anything, we give you a written statement of your rights under the federal Credit Repair Organizations Act and Florida's credit service organization law. You may cancel your contract without penalty within 3 business days (federal law) and within 5 days (Florida law) of signing.
FAQ
Questions people ask us
When do I pay?
Only after work is done. The one-time $99 audit fee is charged after your first disputes are mailed. Monthly plans are billed after that month's work has been performed. We never collect fees in advance.
Can you guarantee my score will go up?
No — and you should be cautious of anyone who does. Credit bureaus and creditors decide the outcome of each dispute. What we can promise is careful, consistent work and honest updates.
Can you remove accurate negative items?
No. Accurate, timely information generally cannot be removed. We focus on items that are inaccurate, incomplete, outdated, or can't be verified, and on helping you build positive history going forward.
Can I do this myself?
Yes. You have the right to dispute inaccurate information with the credit bureaus yourself, for free. Many people hire us for the time savings, organization, follow-up, and coaching.
How long does it take?
It's different for everyone. Bureaus generally have about 30 days to investigate a dispute, and most people work with us for several months. We'll give you an honest picture after your audit.
Can I cancel?
Yes. You may cancel without penalty within 3 business days of signing under federal law and within 5 days under Florida law. After that, you can cancel anytime and you won't be billed for work not yet performed.
Do you give out loans?
No. We are not a lender or mortgage broker and we don't arrange loans. Funding Readiness helps you understand and prepare for the application process. When you're ready, we can point you toward licensed lenders or loan officers to apply with directly. We take no referral fees or commissions from lenders, and lenders make their own decisions.
Do you have an office I can walk into?
No. We're based in Port St. Lucie and work by phone, video, and email, by appointment. That lets us help clients anywhere from the Treasure Coast to Miami-Dade. Call or send us a message to set up a time to talk.
Premium Credit Partners
A trade name of Premium Enterprise Group LLC, a Florida limited liability company
About us
Local, personal, and honest
Premium Credit Partners is a Port St. Lucie business built on a simple idea: people deserve credit reports that are accurate, and plain-spoken help understanding them. We started by helping friends, family, and neighbors — and we treat every client the same way.
- Honesty first. We tell you what we can and can't do before you sign.
- Paid for work, not promises. No fees until services are performed.
- Your information stays private. We only use it to work on your file.
Areas we serve
Based in Port St. Lucie. Helping clients across South Florida.
We start on the Treasure Coast and work with clients in Palm Beach, Broward, and Miami-Dade counties too. Everything happens by phone, video, and email, so you never have to drive to an office.
Port St. LucieSt. Lucie County
Fort PierceSt. Lucie County
StuartMartin County
Fort Lauderdale & LauderhillBroward County
West Palm BeachPalm Beach County
Miami-Dade CountyBy phone & video
Contact
Let's talk about your credit
Your first consultation is free. Reach out however is easiest for you.
- Phone(954) 716-9335
- Emailpegllc2020@gmail.com
- LocationPort St. Lucie, FL
Serving the Treasure Coast, Palm Beach, Broward & Miami-Dade. No walk-in office; appointments by phone or video. - HoursBy appointment — call, text, or email to schedule
Request a free consultation
Ready to take the first step?
Free consultation. No upfront fees. Plain answers.
Call (954) 716-9335