Premium Credit Partners helps Wellington, FL residents audit their Equifax, Experian, and TransUnion reports, dispute inaccurate or unverifiable items, and sort out joint and authorized-user accounts after a life change. We're based in Fort Lauderdale and work by phone, video, and email. Your first consultation is free, fees are billed only after work is performed, and no result is guaranteed.
Credit help for Wellington and Palm Beach County
Wellington is best known for its equestrian season, but most of the village is family neighborhoods and gated communities west of West Palm Beach. Many of the clients we hear from here are going through a big change: a divorce, a move, or buying a home on one income instead of two.
Joint accounts don't go away just because a marriage does. A divorce decree may say your ex is responsible for a debt, but the creditor can still report late payments on a joint account to both of you.
Separating your credit after a divorce
- List every joint account. Your reports show which accounts are joint and which list you as an authorized user.
- Remove yourself as an authorized user. You can usually ask the card issuer to take you off an account you don't own.
- Talk to your attorney about joint debts. Refinancing or closing joint accounts is often part of the settlement. We don't give legal advice.
- Dispute what's reported wrong. An account listed as joint when it was individual, or the wrong balance, is an error worth disputing.
Our credit services for Wellington
- 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
- Florida Courts family law self-help: forms and information for divorce and family cases.
- Palm Beach County Clerk of the Circuit Court & Comptroller: look up court records, judgments, and liens.
- CFPB housing counselor finder: HUD-approved homebuyer counseling if you're buying on your own.
- Free weekly credit reports at AnnualCreditReport.com.
Common questions from Wellington clients
My ex was supposed to pay a joint card. Can you remove the late payments?
If the late payments are accurately reported, they can't be removed just because a divorce decree assigned the debt to your ex. If the dates, balance, or ownership are wrong, we dispute them. We can't guarantee the outcome.
Do you have an office in Wellington?
No. We have no walk-in office anywhere. Wellington clients work with us by phone, video, and email from our Fort Lauderdale home base.
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: West Palm Beach · Boynton Beach · Delray Beach · Jupiter · Boca Raton · All areas