Local help, without the hype
Premium Credit Partners is based right here in Port St. Lucie. We work with people in Tradition, St. Lucie West, and neighborhoods across the city and the rest of St. Lucie County. We review all three of your credit reports with you, dispute items that are inaccurate, incomplete, or can't be verified, and teach you habits that build stronger credit over time.
We work by phone, video, and email, by appointment. There's no walk-in office, so you don't need to take time off to come see us.
Renting, moving, or buying a home here
Port St. Lucie has grown fast, and with growth come a lot of rental applications, new utility accounts, and first home purchases. Each of these can involve a look at your credit. A few things worth knowing:
- Tenant screening reports count. The reports landlords buy are consumer reports under the federal Fair Credit Reporting Act. If you're turned down because of one, you're entitled to a notice that names the company that supplied it, and you can get a copy and dispute errors with that company.
- Check your reports before you apply. You can get free reports from Equifax, Experian, and TransUnion every week at AnnualCreditReport.com. Fixing an error takes time. Bureaus generally have about 30 days to investigate a dispute, so start early.
- Thinking about buying? Our Funding Readiness coaching (Full Service plan) covers what loan officers usually look at, like payment history, credit utilization, and debt-to-income. We are not a lender or mortgage broker. When you're ready, you apply directly with a licensed loan officer of your choice.
Helpful St. Lucie County resources
- St. Lucie County Clerk of the Circuit Court: look up local court records, like an old eviction or small-claims case, so you can compare them with what a report says.
- HUD-approved housing counseling agencies: free or low-cost help with renting, buying, and avoiding foreclosure.
- Consumer Financial Protection Bureau (CFPB) and the Florida Attorney General: where to file a complaint about a credit bureau, creditor, collector, or credit repair company.
How it works and what it costs
Your first consultation is free. Before you sign anything, you get our written disclosures and agreement. You can cancel without penalty within 3 business days under federal law and within 5 days under Florida law. Every fee is billed only after the work it covers is done: a one-time $99 audit fee after your first disputes are mailed, then $79/month (Basic) or $109/month (Full Service, includes Funding Readiness), billed after each month's work. See plan details.
We can't guarantee any particular result or score change. Accurate, current, and verifiable information can't be removed from your credit report. You have the right to dispute inaccurate information with the credit bureaus yourself, for free.
Other areas we serve: Fort Pierce · Stuart · Fort Lauderdale & Lauderhill · West Palm Beach · Miami-Dade County