Credit Repair

"The BEST Credit Repair Service
in South Florida"

- Guillermo Reyes


Prominent Financial Consultants is the first RESULTS-based credit repair business. We only charge after confirming positive results. Join us for a free consultation and see what options best fit your lifestyle and goals.

How Does Credit Repair Work?

The financial industry term for a credit history indicating that a person is a high credit risk, usually less than 560, is generally considered to be a bad credit score.

Step 1


During your free consultation, we instantly pull your credit reports using Credit Karma and Experian. We then create a file that goes over your challenges, debt-to-credit ratio, and all other factors that affect your credit score. This helps us determine exactly where to focus our efforts first and how to build a realistic timeline to meet your personal goals and needs.

Step 2

Dispute Negative

This is where it is critical to have a strategic plan. We collaborate directly with the credit companies and help them to meet their obligations as applicable to your particular situation as required by law. We then communicate with the credit bureaus to confirm that the appropriate changes have been made. We know credit repair – and we know the laws to protect you.

Step 3

Watch Your Score
Go Up!

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What Causes Bad Credit?

Bad credit can have many definitions, but here are a few things we can all agree are causes of bad credit:

  1. Utilizing over 30% of any credit card
  2. Making any payments over 30 days late
  3. Having any derogatory marks
    • Collections
    • Foreclosures
    • Late payments
    • Repossessions
    • Loan defaults
    • Tax liens
    • Bankruptcies
    • Civil Judgements
  4. Having too many inquiries (over 5)

Free Credit

With every initial consultation, our professional Credit Analyst will review your reports with you and answer any questions you may have about your credit, our process, and if our services are right for you.

Easy & Affordable

Even with industry-leading customer service and the latest cutting-edge technology, we remain one of the lowest-priced programs available.

Customer Service

When you become a client of PFC we assign a personal credit coach to you. Throughout your relationship with Prominent, you’ll work one-on-one with your credit coach to resolve the issues on your reports.

We partner with all three credit bureaus:

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    PFC Same-Day Service

    Ensures that our client gets priority service throughout the disputing process. We’ll organize and set up your case the same day you sign-up, and we’ll expedite your case while still maintaining accurate, secure data entry and outstanding customer service.

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    No-Risk Refund Policy

    At PFC we proudly offer a 100% Service Satisfaction Guarantee. Just like our service, our Refund Policy is effective from day one. We provide a satisfaction guarantee. If you’re not 100% satisfied, please let us know.

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    No-Hassle Cancellation Policy

    As a valued client, you can rest assured that you will never be locked in to a long term contract or agreement. Our services can be cancelled, or put on hold, at any point in time.

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    Unlimited Personalized Disputes

    Our programs provide clients unlimited personalized disputing to both the credit bureaus and also to your creditors. We’ll write customized dispute letters and send them to each major credit bureau. In many cases, we will process your disputes through our innovative electronic system that can yield results in as little as three weeks.

What is
Credit Repair?

Credit repair means taking all of the negative items on your credit report and resolving them one by one until your credit score is accurate.

Derogatory remarks that can appear on your credit report include missed payments, debt collections, bankruptcies, repossessions, tax liens, judgments, charge-offs, foreclosures, medical bills, etc.

The first step in credit repair is to figure out which negative items are not accurate or are there by mistake. These items can be disputed through the major credit bureaus by contacting them with the information that is in error. It is then up to the creditor to verify that the information is true, complete, and accurate. If not, the item can be removed from your credit report.

If the information is accurate, a Prominent Financial Consultants representative can contact the creditor and negotiate a settlement or reasonable payment plan so that the debt can be removed from your credit history.

Let’s Start Your Financial Journey

Need Financial Assistance?

Fill out the form below to schedule your FREE meeting and together we’ll take your first step toward a better financial future.