Your Trusted Choice for Credit Repair for Over 15 Years
Trusted by thousands, One Cent Financial Services helps you take control of your financial future.
Get started today with a FREE online Credit Consultation
Credit Builder
Program
Free Credit Report Summary
Real credit repair takes expertise and care.
Personalized action plans for your unique situation.
Over 3000+ Satisfied Clients
90-Day
Guarantee
Pricing
Tailored Strategies for Your Unique Situation. We have you covered from A to Z.
Do It Yourself Plan
Ready to take charge of fixing your credit? No problem! Our library of DIY credit e-books is packed with proven tactics to guide you every step of the way.
$79 Monthly Plan
Our monthly payment plan makes it easy and affordable to achieve your credit repair goals with manageable payments that fit your budget.
$299 Express Plan
With our one-time payment plan, you can fully invest in your credit repair journey upfront, with no ongoing fees—just straightforward, comprehensive support.
How our Process Works?
A Clear Path to Better Credit
We simplify credit repair into 3 easy steps, so you know exactly what to expect.
Fast Track Your Journey to Better Credit: Our Efficient Process Gets Results Quickly.
01
Free Consultation
Schedule your free, no-obligation credit consultation with our experts.
03
Watch Your Credit Improve
We dispute inaccuracies, negotiate with creditors, and keep you informed every step of the way.
02
Customized Plan & Dispute
We analyze your credit report, identify negative items, and create a personalized plan to improve your score
04
Smart Credit Habits
Keep your credit cards below 30%, don’t over apply for credit, have a balanced mixture of credit.
Got Questions?
We’ve Got Answers
Here’s what you need to know about our credit repair process.
FAQ's
How long does it take to see results?
Most clients see improvements in their credit score within 3-6 months, depending on the complexity of their case.
What makes One Cent different from other credit repair companies?
We offer a transparent, client-first approach with a track record of real results. Plus, our ongoing support ensures you stay on the right track.
Is credit repair legal?
Absolutely. The Fair Credit Reporting Act (FCRA) allows you to dispute any inaccurate information on your credit report.
Ready to Start your Credit Journey?
Dedicated Support from Credit Specialists: We're Here to Answer Your Questions and Provide Guidance
Our Clients Get More
Transparent and Affordable Services: No Hidden Fees, Just Results You Can Trust
Fast Track Your Journey to Better Credit
Access to Credit Education Resources: Empowering You with Knowledge to Maintain Healthy Credit Habits
Comprehensive Credit Analysis
Upon enrollment, each client receives a Comprehensive Credit Analysis, offering a detailed breakdown of their credit report and personalized strategies for improvement.
What Our Clients Say?
Proven Results for Our Clients: See How We've Helped
Others Achieve Financial Success
"I was overwhelmed by my credit issues, but after working with this team, my credit score increased by 150 points in just a few months! The guidance and support were outstanding."
James & Wife
"The Comprehensive Credit Analysis gave me clear, actionable steps to improve my credit. Within six months, I went from being denied for credit cards to having multiple approvals. I couldn't be happier with the results!"
Monica
"I never thought I could qualify for a home loan, but after enrolling in their credit repair program, my score improved dramatically. Now, I'm a proud homeowner—thank you!"
Shawntavia
Free Consultation
Our free credit consultation offers personalized insights into your credit situation, helping you identify the best steps to improve your financial health.
About Us
We are a family business rooted in family values, dedicated to repairing your credit and securing your financial future. As trusted professionals, we prioritize your best interests, working closely with you to improve your credit health and open doors to better opportunities.
Join our credit repair family and take the first step toward financial freedom by scheduling your free, no-obligation consultation today!
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Stay connected with us and be the first to know about the latest tips, updates, and resources on credit repair and financial wellness. By following us on social media, you’ll gain access to expert advice, success stories, and exclusive offers designed to help you achieve your financial goals.
Join our community and take charge of your financial future—one step at a time!
Our Location
Our phone lines are open and ready to assist you. Either pick up the phone and call us, text us, send us an email or schedule an appointment today.
8440 NW 27th Ave. #112
Miami, FL 33147
(305) 903-8648
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