Premium Credit Partners helps Miramar, FL residents audit their credit reports, dispute inaccurate or unverifiable items, and understand tenant screening reports landlords use. We're based in Fort Lauderdale and work by phone and video. Your first consultation is free, fees are charged only after work is performed, and we never guarantee a result.
Credit help for Miramar and Broward County
Miramar stretches from the Miami-Dade line to the Everglades, and many residents commute down the Turnpike or I-75 into Miami-Dade or up into central Broward. Two applications come up again and again: apartments and auto loans.
Apartment applications are a little different from a mortgage. Many landlords use a tenant screening company in addition to, or instead of, a regular credit report, and those reports can include rental history, past eviction filings, and collections from former landlords.
Tenant screening reports and your rights
- They're covered by federal law. Tenant screening companies are consumer reporting agencies under the Fair Credit Reporting Act, so you can request your file and dispute errors.
- You're entitled to a notice if you're denied. If a landlord turns you down or charges more because of a report, it must tell you and name the company it used.
- Old landlord collections deserve a close look. Move-out charges sent to collections are often disputed over the amount or the dates. We check them line by line.
- Auto lenders may use a different score. Many use auto-industry scores that weigh past car loans more heavily, so clean up auto tradelines before you shop.
Our credit services for Miramar
- Three-bureau credit report audit: a line-by-line review of your Equifax, Experian, and TransUnion reports
- Credit dispute services: disputes for items that are inaccurate, incomplete, or unverifiable
- Collections & charge-off disputes: including debt validation letters on the Full Service plan
- Late payment & hard inquiry disputes: for reporting errors and inquiries you didn't authorize
- Credit monitoring setup: so you can watch changes as they happen
- Credit building & education: utilization, payment history, and account-mix coaching
- Mortgage-ready credit preparation: getting your file in order before a lender pulls it
- Business credit services: educational Funding Readiness for owners and side businesses
We can't remove accurate, current information, and we'll tell you honestly if an item looks correct.
Helpful local resources
- Broward County Clerk of Courts: search eviction and civil cases filed in Broward so you can compare them with what screening reports show.
- CFPB credit reports and scores: guides on requesting and disputing specialty reports, including tenant screening.
- Consumer Financial Protection Bureau (CFPB) and the Florida Attorney General: report a collector or screening company that won't correct errors.
- Free weekly credit reports at AnnualCreditReport.com.
Common questions from Miramar clients
Can you remove an eviction from my record?
We can't remove accurate court records. If a screening report or credit report shows an eviction or collection that's inaccurate, incomplete, or can't be verified, we can dispute it. If a case is still open, talk to a Florida attorney.
I commute to Miami. Do you still serve Miramar?
Yes. We work by phone, video, and email, with evening hours until 8 PM on weekdays and Saturday hours, so commuting doesn't get in the way.
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.
Nearby areas we serve: Pembroke Pines · Hollywood · Miami · Fort Lauderdale & Lauderhill · Coral Springs · All areas