Credit Phoenix is an online, nationwide credit repair company that works with Florida residents. We review your reports from all three bureaus, challenge items that are inaccurate, unverifiable or outdated under the Fair Credit Reporting Act, and track every response. Florida law adds a five-day right to cancel any credit repair contract.
What Florida's credit numbers look like
Florida's average FICO Score sits a little below the national average, and Florida residents file credit reporting complaints with the CFPB at more than twice the national rate and debt collection complaints at a higher rate than the country as a whole. The source sits next to each figure.
| Measure | Florida | Source |
|---|---|---|
| Average FICO Score | 704 in September 2025 (38 of 51 incl. D.C.; 707 a year earlier; national average 713) | Experian, average FICO Score by state |
| Complaints to the CFPB about credit reporting (2025) | 727,143 from Florida residents, about 311.1 per 10,000 people (national rate 140.1 per 10,000) | CFPB Consumer Complaint Database |
| Complaints to the CFPB about debt collection (2025) | 31,702 from Florida residents, about 13.6 per 10,000 people (national rate 8.2 per 10,000) | CFPB Consumer Complaint Database |
None of this means your report is accurate. The Federal Trade Commission's own study found that about one in five consumers had an error on at least one credit report, and one in 20 had an error big enough to change the price of credit (FTC, 2013). The first step is always finding out what is on your reports.
Your rights under Florida law
Federal law (the Fair Credit Reporting Act and the Credit Repair Organizations Act) applies in every state. Florida adds three things worth knowing.
| Florida law | What it means for you | Source |
|---|---|---|
| Credit Service Organizations, Fla. Stat. 817.7001 to 817.706 | Any credit repair contract must be written, dated and signed, and you can cancel it until midnight of the fifth day after you sign. A company may not take your money before the work is fully performed unless it holds a Florida surety bond and a Florida trust account. | Fla. Stat. 817.7005, 817.704 |
| Florida Consumer Collection Practices Act, Fla. Stat. 559.55 to 559.785 | Florida's collection law covers original creditors, not only third-party collectors, which is broader than the federal FDCPA. Collectors may not call you between 9 PM and 8 AM, contact you at work after being told not to, or threaten action they cannot take. | Fla. Stat. 559.72 |
| Statute of limitations on debt, Fla. Stat. 95.11 | A creditor generally has five years to sue on a written contract and four years on an oral agreement or open account. An old debt can still appear on your report for up to seven years, and a lawsuit filed after the deadline can be defended, but only if you respond. | Fla. Stat. 95.11 |
How Credit Phoenix works with Florida residents
- Free assessment. You book a call, we look at your situation and tell you honestly whether credit repair makes sense for you. If it does not, we say so.
- Review of all three reports. We go through Equifax, Experian and TransUnion line by line and flag items that look inaccurate, unverifiable or outdated.
- Challenges. We send the challenges, with the evidence, to the bureaus and to the companies that reported the items. Under the FCRA they generally have 30 days to investigate and answer.
- Tracking and next rounds. You see every response in your client portal. Items that come back verified get a closer look, and we tell you what we can and cannot challenge.
Everything happens online and by phone, so it works the same in Jacksonville as it does in Key West. We serve clients nationwide, 100% online; we do not have a Florida office.
Free help in Florida
You do not need to pay anyone to file a complaint or ask a question. These are the offices that handle credit and collection problems for Florida residents.
- Florida Department of Agriculture and Consumer Services, the state's consumer protection office: 1-800-HELP-FLA (1-800-435-7352) or file a complaint online.
- Florida Attorney General, Consumer Protection Division: myfloridalegal.com.
- Consumer Financial Protection Bureau, for complaints about a credit bureau, lender or collector: consumerfinance.gov/complaint.
Questions Florida residents ask us
Is credit repair legal in Florida?
Yes. Florida regulates credit service organizations under Fla. Stat. 817.7001 to 817.706, and federal law regulates them under the Credit Repair Organizations Act. Both laws exist to protect you: written contracts, a cancellation right, and no promises of results.
How long does credit repair take in Florida?
There is no fixed answer and anyone who gives you one is guessing. The bureaus generally have 30 days to answer each challenge under the FCRA, and most files take more than one round. What we can promise is that you will see every response as it comes in.
Can I cancel if I change my mind?
Yes. Florida law gives you until midnight of the fifth day after signing to cancel a credit repair contract, and federal law gives you three business days. The agreement you sign must explain how to cancel.
What does it cost?
Our plans and what each one includes are on our pricing page. You can start with a free assessment, and there is no charge for it.
Start with a free consultation
Fifteen minutes, no pressure. We look at your reports together and tell you what we see.