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Best Credit Repair Companies in Carlsbad

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Christian Credit Counselors logo

Christian Credit Counselors

5838 Edison Place, Carlsbad, CA 92008
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  • Debt Consolidation

Christian Credit Counselors Inc. has been providing credit repair services to families and individuals in the Carlsbad area for more than 30 years. It is a nonprofit 501(c)(3) credit counseling agency that has helped over 300,000 clients get out of debt. The company works with the client in formulating a program aimed at eliminating their credit card debt. Greg McTaggart, the president of Christian Credit Counselors, has been working in the consumer credit counseling industry for over 22 years.

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Consumers Alliance Processing Corporation logo

Consumers Alliance Processing Corporation

1959 Palomar Oaks Way, Carlsbad, CA 92011
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  • Credit Monitoring

Consumers Alliance Processing Corporation is a full-service debt relief solutions provider that serves the Carlsbad metro area and nearby localities. The company assists clients in repairing their credit scores with its debt management and consolidation services. Its credit counselors assess their clients' financial situation and conduct a debt analysis. Based on their customers' financial needs, the team then recommends a suitable debt relief program. The company has been assisting individuals and families in overcoming financial difficulties since 2004.

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Credit Diva logo

Credit Diva

888 Prospect Street, La Jolla, CA 92037
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  • Debt Consolidation

Credit Diva is a credit repair agency that helps clients in and near the Carlsbad metro. Working with various individuals, lenders, Realtors, and banks, its team helps clients, who need to apply for mortgages, increase their credit scores. It also helps to establish and repair business credit standing. Additionally, it provides debt negotiation services, as well as credit training seminars through luncheons and webinars. The company has been in business for more than 17 years.

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Credit Repair logo

Credit Repair

Carlsbad, CA
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  • Debt Consolidation
  • Credit Dispute

Credit Repair is a team of credit score restoration specialists that serves the Carlsbad area. Whether clients need to improve their credit scores to purchase a home, lower credit card rates, or refinance outstanding loans, they guide them along the process, which involves a report review. In addition, the credit repair professionals coordinate with credit bureaus and lenders to challenge obsolete, inaccurate, and unverified report items such as medical bills, bankruptcies, foreclosures, late payments, and repossessions.

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Credit Repair logo

Credit Repair

Carlsbad, CA
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  • Debt Consolidation
  • Credit Dispute

Credit Repair is a credit restoration company that serves clients throughout the Carlsbad metro. The business helps clients who wish to qualify for loans, refinance at lower rates, and lower interest rates on credit cards. It also aids customers who have experienced judgments, collections, bankruptcies, foreclosures, repossessions, and late payments. Its team analyzes the client's credit reports and creates personalized strategies to improve credit ratings. Credit Repair's services are available throughout California.

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CreditPro logo

CreditPro

166 4S Commons Drive, San Diego, CA 92127
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  • Credit Audit

CreditPro is a tradeline wholesaler that helps improve credit scores for clients in the Carlsbad area. Being in the industry since 2007 with prior knowledge in the mortgage business, the team of credit specialists focuses on the customer's FICO score and improves inaccurate credit reports. This is achieved through piggybacking, a process where an individual becomes an authorized user for another person's credit card in order to their credit score. Their services are also available to people with no existing credit.

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Debt Free League logo

Debt Free League

25185 Madison Avenue, Murrieta, CA 92584
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  • Debt Consolidation

Debt Free League provides financial management services to individuals, families, and small business owners in Carlsbad. It is bonded and registered by the California Department of Justice as a credit services organization, and specializes in credit repair and debt elimination. Since 2006, the company has sought to provide its clients with aggressive alternatives to bankruptcy petitions, like debt settlement and debt validation. Through these methods, Debt Free League aims to secure for clients financial freedom that minimizes the loss of high-value assets and restores their creditworthy status.

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Future Wealth Advisors logo

Future Wealth Advisors

1902 Wright Place, Carlsbad, CA 92008
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  • Credit Dispute

Future Wealth Advisors is a credit repair company servicing in Carlsbad. Its main goal is to help its clients to reach their financial plans like buying a house, car, or starting a business through improving their credit scores. Future Wealth Advisors is known for its aggressive tactics and strategies when disputing inaccurate and negative records on their clients' credit reports. It offers free credit consultation and credit analysis to its prospective clients. Results of the company's work in the industry are available on its website.

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Jonas Victor logo

Jonas Victor

7474 El Cajon Boulevard, La Mesa, CA 91942
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  • Credit Audit

Jonas Victor is a credit repair specialist serving individuals and families in Carlsbad and the neighboring areas. He provides personalized reviews of all three credit bureaus' reports and scores and educates on the proper use of credit. He uses disputing strategies to challenge negative entries on credit scores such as foreclosures, bankruptcies, and repossessions. CEO and owner Jonas Victor, also known as "Mr. Credit Guy," has been helping individuals in pinpointing false and unverifiable claims made by collection agencies and credit companies.

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My Credit Repair USA logo

My Credit Repair USA

2534 State Street, San Diego, CA 92101
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  • Credit Audit

My Credit Repair USA is a credit restoration firm based in San Diego that extends its services to Carlsbad and the surrounding areas. The company helps customers improve their credit scores through various methods, including personalized consultations, legal due-process assistance, and monthly financial reviews. The agency utilizes an automated proprietary tracking system to optimize results. Its credit advisors also specialize in financial management and reputation management. Founded in 2013, the company is led by two female credit repair specialists.

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Plan B Credit Repair Services logo

Plan B Credit Repair Services

25060 Hancock Avenue, Murrieta, CA 92562
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Based in Murrieta, Plan B Credit Repair Services provides credit repair services to clients in Carlsbad. Founded by a former loan officer, the company maintains standards when it comes to its clients and the law through its responsiveness and work ethic. It works with credit bureaus in reviewing derogatory accounts for invalid ones along with inaccuracies and duplications. It also offers weekly scores and reports for clients to follow their progress. Plan B Credit Repair Services also serves clients in Austin.

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San Diego Credit Repair logo

San Diego Credit Repair

402 West Broadway, San Diego, CA 92101
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  • Debt Consolidation

San Diego Credit Repair is a credit repair company serving customers in Carlsbad and the surrounding areas. In business for the last 10 years, the company is knowledgeable about the Fair Credit Reporting Act to help clients improve their credit scores through correction or removal of negative items from the credit report. It offers three types of services that may include one or some of the following: third-party accounts, inquiry removal, original creditors, and bankruptcy removal.

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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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