Credit repair in Miami
If your credit is standing between you and a home, a car, or capital for your business, you don't have to figure it out alone. Capova Capital is a Miami credit repair company using attorney-backed dispute methods to challenge inaccurate, outdated, and unverifiable items on your reports — with a team that works in English and Spanish.
Your score decides more in Miami
Miami is one of the most competitive housing and lending markets in the country. Whether you're buying a condo in Brickell, a family home in Kendall, or financing a vehicle, lenders price every decision off your credit. A stronger score doesn't just decide approval — it decides your rate, and on a Miami-sized loan that can mean thousands over the life of the loan.
That's why credit repair here is rarely about a single number. It's about clearing the inaccurate items dragging you down and getting you to the tier where approvals — and better terms — open up. We work directly alongside mortgage brokers, realtors, and dealers across Miami-Dade, so the handoff from credit ready to approved is smooth.
Your reports
ExampleItem by item
The items we go after
No template letters and no vague promises — a real dispute system aimed at the negative items actually holding your Miami credit back.
Inaccurate items
Wrong balances, accounts that aren't yours, and information past the legal reporting window — flagged and formally challenged.
Unverifiable items
Anything a furnisher can't properly validate when challenged under the FCRA gets pushed for correction or deletion.
Your ongoing profile
Coaching on utilization and payment habits while disputes run, so the gains you make actually stick over time.
An honest note: under the FCRA and CROA, no legitimate company can guarantee a specific score increase or that any item will be deleted — disputes are based on factual-accuracy review, not promises. What we offer is a proven, attorney-backed process and the follow-through to work it. Results vary by individual credit profile.
Pick the program that fits your timeline
From an aggressive 30-Day Sweep before an upcoming decision to multi-month plans built for lasting results — every program starts with a free consultation.
Standard Credit Repair
$1,500
Most clients — a full clean-up of collections, charge-offs, late payments, inquiries and identity errors.
Get started30-Day Sweep
Fastest$2,500
Clients with fewer items who need to move fast — a mortgage close, vehicle purchase, or funding deadline ~30 days out.
Get startedFree consultation, no pressure. Payment plans are reviewed based on your situation — you'll know the full cost before you enroll.
Compare all programsA clear path from where you are to approved
Four steps, no black box. We tell you exactly where you stand, what we're challenging, and what comes next.
- 1
Free consultation
Tell us your goal — mortgage, auto, business, or a clean slate. We review where you stand, no cost.
- 2
Custom dispute plan
We pull your reports, target inaccurate and unverifiable items, and pick the program that fits your timeline.
- 3
We do the work
Attorney-backed disputes go out, cycle by cycle, with ongoing coaching so good habits stick.
- 4
Get approval-ready
As items clear, we line you up with the right mortgage, loan, or funding partner to act on it.
Every corner of Miami-Dade
From Brickell high-rises to Homestead starter homes — pick your neighborhood for the local angle, or start your consultation now.
Miami credit repair, answered straight
The honest version — how long it takes, what it costs, and what we can and can't promise under the law.
Need it fast?
The 30-Day Sweep ($2,500) is a true 30-day program for clients about a month from a mortgage or loan decision.
It depends on where you're starting. Our 30-Day Sweep is a true 30-day program for clients who need fast results before a mortgage or loan decision, while Standard Credit Repair runs 3–5 months for a full clean-up across all three bureaus. We'll set realistic expectations on your first call.
Take the first step toward your approval
Free consultation, no obligation — attorney-backed disputes.