Credit help for Palm Beach County
We work with clients in West Palm Beach and across Palm Beach County by phone, video, and email. We start with a review of all three of your credit reports, dispute what's inaccurate or unverifiable, and coach you on building positive history.
Small business owners: your personal credit matters too
Many small business lenders and card issuers look at the owner's personal credit, especially for newer businesses. Our Funding Readiness coaching (Full Service plan) helps you get both sides in order:
- Clean personal reports first. Errors on your personal reports can affect business applications that require a personal guarantee.
- Separate your business finances. Get a free EIN directly from the IRS (never pay a third party for it), open a business bank account, and keep business spending out of personal accounts.
- Be consistent. Your business name, address, and phone should match everywhere, including your Florida Division of Corporations (Sunbiz) record, your bank, and your business credit files.
- Build a business credit profile over time, for example with a D-U-N-S number and vendor accounts that report payments.
We are not a lender, loan broker, or mortgage broker, and we take no fees or commissions from lenders. When you're ready, you apply directly with the lenders you choose, and they make their own decisions.
Helpful local resources
- Palm Beach County Clerk of the Circuit Court & Comptroller: court records you can compare with your credit reports.
- Florida SBDC Network and SCORE: free small business consulting and mentoring.
- Consumer Financial Protection Bureau (CFPB) and the Florida Attorney General: where to file consumer complaints.
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: Port St. Lucie · Fort Pierce · Stuart · Fort Lauderdale & Lauderhill · Miami-Dade County