Whether you’re trying to qualify for a rental apartment in Brickell or buy your first home in Broward, your credit score can make or break your plans. If you’re struggling with approval, don’t panic—credit repair is 100% legal, and it works when done right.
Here’s what Miami renters and buyers need to know to raise their credit scores before moving.
🔍 Why Credit Matters for Renting or Buying in Miami
- Most landlords in Miami require 620+ credit scores
- Home loans typically need 640+ for FHA or 700+ for better mortgage terms
- A low score = higher deposits, denials, or co-signer requests
✅ What Is Credit Repair?
Credit repair is the legal process of:
- Disputing inaccurate or outdated information on your credit report
- Negotiating debt settlements or pay-for-deletes
- Building new credit history to boost your score faster
⚖️ Is It Legal in Florida?
Yes—under the Fair Credit Reporting Act (FCRA) and Florida Credit Services Organization Act, you’re protected as a consumer. But not all credit repair companies are legit.
🚨 What to Watch Out For (Scams)
- Promises to “delete all negative items in 30 days”
- Asking for full payment upfront
- No written contract or refund policy
- Not registered with the Florida Department of Agriculture & Consumer Services
🛠️ How Steadihome Helps:
We work with trusted, registered credit repair partners who specialize in helping:
- First-time renters
- Buyers with collections or late payments
- Immigrants with little credit history
They’ll review your file and create a plan tailored to South Florida landlord and lender standards.
🎯 Want to See if You Qualify?
Fill out our secure form and we’ll connect you with a local expert—no pressure, no obligation.
