The Lake Eola fountain glowing purple and blue at night in downtown Orlando, Florida
📍 Lake Eola Park · Orlando
Photo: Miosotis Jade, CC BY-SA 4.0, via Wikimedia Commons

Credit Repair & Child Support HelpCredit Repair in Orlando, FL

Behind on child support, or seeing support debt on your report that’s wrong? Learn how child support is reported, what happens with arrears, and how to fix what’s inaccurate.

  • Free, confidential review of your credit reports
  • Help with child support reporting errors
  • Work with us by phone or online, no office visit needed
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What happens after you submit

Four steps from first call to a clear plan

We call you

A specialist reaches out within 1 business day to learn your goals and timeline.

We review all 3 reports

We look for errors, outdated accounts, duplicate collections and anything that can’t be verified.

You get a written plan

What to dispute, what to pay down, what to leave alone, and the order to do it in.

You decide

Enroll, or take the plan and do it yourself. Either way, there’s no cost for the analysis.

Our services

Credit help for Orlando residents

Credit Analysis

A line-by-line review of your Equifax, Experian and TransUnion reports and a personal action plan.

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Credit Repair & Restoration

We dispute inaccurate, outdated or unverifiable collections, charge-offs and late payments, and send you progress updates.

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Credit Building

Add positive history with tools such as secured cards, plus guidance on balances and on-time payments.

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🏠Child support & creditGet loan-ready in Orlando 🎖️Military Financial Readiness Program™Active duty, veterans, Guard & families 📋Packages & pricingBasic, Expedited, Premier
Orange County credit snapshot

Nearly 3 in 10 Orange County residents have debt in collections

According to the Urban Institute (credit data from August 2026), 29% of Orange County residents have debt in collections, compared with 24% nationally, and 8% are behind on credit cards.

29%
have debt in collections
U.S. average: 24%
8%
delinquent on credit cards
U.S. average: 6%
19%
student loan delinquency rate
U.S. average: 16%
5%
have medical debt in collections
U.S. average: 3%

Source: Urban Institute, Debt in America: An Interactive Map, updated Nov. 10, 2026 (credit data from August 2026). Shares are of people with a credit record. Red marker = U.S. average.

What this means for you

Child support arrears can be reported to the credit bureaus, and errors happen, especially after a modification, a payment through the state system, or a change in custody.

  • Check the amount. Arrears should match the state’s records.
  • Check updates. Payments and modifications should be reflected.
  • You can dispute for free. We handle the paperwork and follow-up for you.

Child support debt on your report?

We’ll review it confidentially and help you dispute what’s inaccurate.

Get My Free Credit Analysis

Child support & credit

Child support on your credit report in Orlando? Here’s how it works.

Federal law requires states to report past-due child support to the credit bureaus. In Florida, child support is handled by the Department of Revenue’s Child Support Program.

Four things to know

1. Past-due support can be reported

Overdue child support can appear on your credit report and affect your score like other serious delinquencies.

2. Other consequences can follow

Unpaid support can also lead to wage withholding, tax refund interception and license suspension.

3. Get a modification if needed

If your income has changed, ask about modifying your order. Agreements are better than falling behind.

4. Fix errors at the source

If the amount is wrong, contact the child support agency and dispute it with the credit bureaus.

Thinking about buying? Florida Housing Finance Corporation offers homebuyer loan programs and down payment assistance for eligible buyers through participating lenders.

Get a free, confidential credit review.

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CollectionsCan credit repair remove collections?DisputesDispute came back verified? What to do nextLate paymentsHow to fix late payments on a credit reportMythsThe truth about collections and the 7-year rule
Credit help for Orlando

Credit help that fits life in Orlando

Masters Credit Consultants works with Orlando-area clients by phone, email and a secure online portal, so you never need to visit an office or take time off work.

The Lake Eola fountain glowing purple and blue at night in downtown Orlando, Florida
Lake Eola ParkLake Eola Park’s lighted fountain has been a symbol of downtown Orlando since 1957, glowing in changing colors each night.Photo: Miosotis Jade, CC BY-SA 4.0, via Wikimedia Commons

Parents with support orders

We’ll help you make sure child support is reported accurately.

Theme park & hospitality workers

Shift work makes it hard to call creditors. We’ll handle the follow-up for you.

New Americans

About 25% of residents were born outside the U.S. (Census ACS). We’ll explain U.S. credit in plain terms.

Students & grads

From UCF to Valencia College, many clients are managing student loans.

Veterans

Orlando is home to more than 11,000 veterans (Census ACS). Our Military Financial Readiness Program™ can help.

Renters ready to buy

Most of the work happens before you apply. We’ll show you what to fix first.

Orlando credit repair FAQ

Common questions

Does child support show up on my credit report?
Past-due child support can be reported to the credit bureaus. Current, on-time support usually doesn’t appear as a negative.
What can I do if my child support balance is wrong?
Contact the Florida Department of Revenue Child Support Program to correct their records, and dispute inaccurate reporting with the credit bureaus.
Can I change my child support amount?
You can ask the court or the child support agency to review your order if your circumstances have changed.
Will checking my credit hurt my score?
No. Reviewing your own credit is a soft inquiry and doesn’t affect your scores.
How long does credit repair take?
The bureaus generally have 30 days to investigate a dispute (up to 45 in some cases). Timelines depend on how many items are involved and how creditors respond. Results vary, and no one can legally guarantee a specific score or deletion.
How much does it cost?
The credit analysis is free. If you choose to enroll, you can compare our packages. Under the federal Credit Repair Organizations Act, we can’t charge for services before they’re performed, and you can cancel within three business days of signing.

Serving Orlando and Central Florida

We work with clients throughout the region, including:

KissimmeeWinter ParkPine HillsApopkaSanfordOviedoOcoeeLake NonaTampaSt. Petersburg

Ready to see what’s on your credit report?

Get a free, confidential credit analysis. We’ll explain what we find in plain English.

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✓ No obligation✓ Won’t affect your score✓ 90-day guarantee (terms)✓ Confidential✓ Founded in 2014
Masters Credit Consultants, LLC, founded in 2014, is a credit services organization, not a law firm, lender or credit bureau. Results vary and are not guaranteed. You have the right to dispute inaccurate information in your credit report yourself, free of charge, by contacting the credit bureaus directly. Local statistics are county, city or state averages from the sources cited and don’t describe any individual’s credit.
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