Stop letting banks overcharge you. From Winter Garden to Maitland, we help Florida families delete collections, fix errors, and improve their credit scores.
(407) 606-7117★ 4.9 · 89 Google reviews · Free consultation · No upfront fee
See how much a low credit score is really costing you in interest
30-year fixed · $50,000 – $1,500,000
$257,615
extra over the life of the loan
+$716
Extra Every Month
$2,796
per month
$2,080
per month
* Rates shown are estimates based on national averages and may vary by lender, location, and other factors. Mortgage base rate sourced from the Federal Reserve (FRED). This calculator is for educational purposes only and does not constitute financial advice.
First, we take a close look at your credit and determine which questionable negative items are wrongfully hurting your score.
Next, we ask the bureaus and your creditors to verify these negative items as accurate and fair. If they can't, they are required to remove them.
As you work to manage your credit wisely, we continue to leverage the law for your credit, addressing new credit issues as they appear.
Eight focused services, each backed by Florida-specific statutes and dispute tactics. Click any service to see exactly how we handle it.
Medical, utility, toll-by-plate, credit card
Hospital, ER, ambulance, specialty clinic bills
Credit card and loan write-offs
Florida judicial foreclosure errors
FL Statute 679.6141 post-repo violations
FL Statute 55.081 dormancy disputes
IRS Fresh Start + FL DOR liens
Default, deferment errors, forgiveness updates
Located in
Winter Park, FL
Hi, I'm Matt Brody.
If you've called other credit repair companies, you know the drill. You talk to a salesperson, pay a fee, and then... silence.
I started Freedom Credit Repair in Winter Garden because I was tired of seeing good families get ripped off by big national chains.
My wife Xia and I are raising our four kids right here in Central Florida. We know that a bad credit score isn't just a number—it's the wall keeping you from that new house or car.
When you hire us, you don't get a robot. You get me, my team, and a relentless fight to fix your credit.
Tens of millions of Americans have errors on their credit reports that are harming their credit
A single negative item can cost you triple digit decreases to your credit
My score improved by over 100 points in the first month! I can't believe this actually worked. Thanks so much Matt!
Kelly Rigles
Winter Park, FLWith the full refund offer, I figured there was nothing to lose. It got my score over 700 and now I'm buying my first home.
Jake Paisley
Maitland, FLI CANNOT BELIEVE THE TURNAROUND!!! It was faster than I thought and my score is still going up. Can't wait to hit 800!
Kristina Ayles
Orlando, FLFlat monthly rate. No per-deletion fees. No long-term contracts.
See how pricing works →Get mortgage-ready in 90-180 days. FHA, VA, conventional, and jumbo loan score targets.
Pre-mortgage credit repair →No upfront fees before work is performed — that's your right under the federal Credit Repair Organizations Act.
Orlando credit problems have an Orlando flavor. We regularly dispute toll-by-plate collections from SunPass and E-PASS billed to the wrong driver, utility collections left over from old OUC and Duke Energy accounts, and medical bills from AdventHealth and Orlando Health visits that insurance should have covered. Hospitality and theme-park work often means seasonal income — and a rough season three years ago shouldn't define your credit today.
If an item on your report is inaccurate, unverifiable, or misreported, federal law gives you the right to challenge it — and we handle the entire dispute process for you. See how we work across Orlando →
Local credit repair, anywhere in Central Florida. Click your area for a page tailored to local credit issues and lenders — or see our statewide credit repair Florida service.
Not listed? We serve all of Florida.
Florida-specific guides on credit reports, disputes, and rebuilding your score. Written by our team.
A car loan denial isn't the end of the road — but reapplying blind is a mistake. Here's how to read your adverse action notice, hunt down the errors dragging your score down, and set yourself up to get approved.
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Thinking about Credit Saint? Here's a straight-shooting breakdown of their pricing tiers, cancellation policy, and who they're actually a good fit for — plus your free DIY rights and when a phone-based, done-for-you option beats a subscription.
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A creditor got a judgment and now they're coming for your paycheck. Here's how Florida's head-of-household exemption can stop wage garnishment cold — and the exact steps to claim it before your next payday.
Read More →Yes. Credit repair is fully legal and protected under the federal Credit Repair Organizations Act (CROA) as well as Florida’s own consumer protection laws. You have the right to dispute any inaccurate, incomplete, or unverifiable information on your credit report.
Every credit report is different, but most of our Florida clients see significant progress within 30 to 90 days. We begin sending dispute letters within 24 hours of enrollment and provide updates after every bureau response.
Yes. We leverage both federal law and Florida’s statute of limitations to challenge inaccurate or unverifiable medical debt on your credit report. Many medical collections contain reporting errors that make them eligible for removal.
We know the local creditors, collection agencies, and Florida-specific laws—like Statute 95.11 (statute of limitations)—that national “mills” often overlook. You also get direct access to our team, not a call center.
Our pricing is straightforward: a one-time setup fee plus a flat monthly rate while your case is active. No long-term contracts, no per-deletion charges. Most clients invest about the same as a streaming service subscription and see results within the first 30-90 days. Call us at (407) 606-7117 for current pricing.
When the items on your report are inaccurate, incomplete, or unverifiable, yes—removal is a legal right under FCRA. The work is paperwork-intensive: pulling your reports, identifying every item that can be challenged, drafting dispute letters that cite the right statutes, and following up after each bureau response. A specialist who does this every day is faster and more thorough than a DIY attempt.
They’re the same thing—different marketing terms for the same service. Both refer to identifying and disputing inaccurate, outdated, or unverifiable information on your credit reports with the three bureaus (Experian, Equifax, TransUnion).
Often, yes. National “mills” use template letters that bureaus reject quickly. We write each dispute to the specific item, cite Florida-specific statutes where relevant, and follow up case-by-case. If we genuinely can’t help your situation, we’ll tell you up front on the free consultation.
