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Best Credit Repair Companies in Apple Valley

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18930 Hwy 18 Ste 101, Apple Valley, CA 92307
Apple Valley, CA 92307
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  • Credit Dispute

DECS is a credit repair company that serves in Apple Valley and neighboring areas. For over nine years, its credit repair experts have been providing customized services that help clients raise their credit scores, settle outstanding debts, and rebuild their credit to qualify for a mortgage and other loan needs. They deal with credit bureaus and creditors to dispute negative report items like collections, late payments, and inquiries. During the restoration process, they provide clients with education on how to continue improving their credit scores.

18930 Hwy 18 Ste 101, Apple Valley, CA 92307
Apple Valley, CA 92307

InstagramWebsite(866) 342-1062

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We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

3 (Best)

Average Review Score:

4.8 / 5 ( Best)

Total Reviews:

125 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

9431 Haven Ave. Suite 232, Rancho Cucamonga, CA 91730
Rancho Cucamonga, CA 91730
  • Credit Monitoring

XL Credit Restoration is a company that serves Apple Valley. It provides solutions to help consumers achieve the benefits of having good credit, including getting approved for loans. It conducts detailed credit analyses and sends correspondence with creditors and bureaus to remove inaccurate items from reports, including collections, foreclosures, and liens. The company assists in obtaining positive accounts to improve scores and offers 24/7 live status updates through its online portal. It is a member of the Credit Consultants Association.

9431 Haven Ave. Suite 232, Rancho Cucamonga, CA 91730
Rancho Cucamonga, CA 91730

Website(888) 370-0333

Show Number

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

1 (Good)

Average Review Score:

4.5 / 5 ( Best)

Total Reviews:

2 (Good)

Score Consistency:

Consistent (Best)

Frequently Asked Questions:

Q: How do you repair credit after identity theft?
A:

Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.
Q: Is credit repair legal?
A: Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.
Q: Can a credit repair company remove late payments?
A: Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

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