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Best Credit Repair Companies in Bakersfield

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Alliance Credit Repair logo

Alliance Credit Repair

1523 Panama Lane, Bakersfield, CA 93307
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  • Debt Consolidation

Alliance Credit Repair offers its services to individuals and couples in the Bakersfield area. It assists clients in removing negative marks on their credit reports that have resulted from late payments, evictions, credit card collections, repossessions, tax liens, and unpaid medical bills. Other related issues the company handles include bankruptcy, utility collection, and hard inquiries. The company's credit repair specialists create strategies to help clients resolve their issues. Alliance Credit Repair has been in the business since 2009.

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Innovative Credit Solutions logo

Innovative Credit Solutions

700 H Street, Bakersfield, CA 93304
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  • Debt Consolidation
  • Credit Dispute

Innovative Credit Solutions is a credit counseling service provider that serves clients in Bakersfield. It specializes in improving clients' credit records by analyzing their cases and discussing debt management options that suit their needs. To deal with credit bureaus, the organization draws on its experience, knowledge, industry relationships, and individualized approach to credit score improvement. The owner, Richard David, leads an organization that has more than 20 years of experience in debt collection and credit counseling.

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Kern County Credit Consultants logo

Kern County Credit Consultants

7440 Meany Avenue, Bakersfield, CA 93308
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  • Debt Consolidation

Kern County Credit Consultants has been rebuilding credit scores for more than 27 years. The firm is headquartered in Bakersfield and serves consumers and small businesses nationwide. Its professional credit consultants guide clients in the process of cleaning up the negative items on their credit reports. They also help business owners establish a credit file that is separate from their personal credit. In addition, these consultants educate clients on credit and debt management to avoid further issues with their finances.

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Maximum Fico Score logo

Maximum Fico Score

4646 Wilson Road, Bakersfield, CA 93309
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  • Credit Monitoring
  • Credit Dispute

Maximum Fico Score is a credit repair firm helping clients in Bakersfield improve their credit scores. It provides a three-step credit repair process that includes challenging negative items, filing disputes with creditors, and monitoring and addressing additional issues. The firm can help remove negative items from credit reports such as out-of-date additions, collections, judgments, late payments, foreclosures, and bankruptcies. Maximum Fico Score clients are provided with a personal case analyst, credit education, as well as access to updates through a secure client portal.

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The Credit Repair Pros logo

The Credit Repair Pros

509 Southgate Dr, Bakersfield, CA 93307
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  • Credit Audit

The Credit Repair Pros helps individuals in Bakersfield and the surrounding areas get back on track financially. Its credit repair specialists assist clients who want to improve their credit scores to buy a house, get a loan, or finance any purchase by communicating with the three major credit bureaus and secondary companies. After analyzing credit reports, they file disputes to the relevant authorities for the removal of negative entries like tax liens, bankruptcy, and charge-offs from the clients' credit reports.

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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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