Expertise.com

2024

Last updated:

Best Credit Repair Companies in Carlsbad

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Carlsbad Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

89Reviewed

57Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Carlsbad, CA

Expertise.com Rating

Review Sources

Google
4.8 (10624)
Yelp
2.2 (30)

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

  • Credit Repair
  • Money Back Guarantee
  • Credit building
  • Credit Restoration
  • Credit Audit
Lexington Law logo

Lexington LawExpertise.com

Carlsbad, CA
Free Credit Report Consultation

Expertise.com Rating

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

  • Consumer Credit Services
  • Credit Repair

7474 El Cajon Boulevard, La Mesa, CA 91942

Expertise.com Rating

Review Sources

Google
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

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.

  • Credit Audit

888 Prospect Street, La Jolla, CA 92037

Expertise.com Rating

Review Sources

Facebook
4.0 (19)
Google
4.0 (5)

Why choose this provider?

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.

  • Debt Consolidation

2534 State Street, San Diego, CA 92101

Expertise.com Rating

Review Sources

Facebook
5.0 (19)
Yelp
5.0 (4)

Why choose this provider?

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.

  • Credit Audit

25060 Hancock Avenue, Murrieta, CA 92562

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

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.

402 West Broadway, San Diego, CA 92101
Website

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (1)

Why choose this provider?

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.

  • Debt Consolidation

25185 Madison Avenue, Murrieta, CA 92584

Expertise.com Rating

Review Sources

Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

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.

  • Debt Consolidation

1959 Palomar Oaks Way, Carlsbad, CA 92011

Expertise.com Rating

Review Sources

Google
4.0 (37)
Facebook
4.0 (17)

Why choose this provider?

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.

  • Credit Monitoring

1902 Wright Place, Carlsbad, CA 92008
Website

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

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.

  • Credit Dispute

FAQs

  • How long does a repo stay on your credit report?

    A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

  • Do credit repair companies work?

    Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

  • How long does it take to repair credit?

    Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

    • Inaccurate late payment: 30-45 days
    • Inaccurate missed payment: 30-45 days
    • Numerous issues from multiple creditors: A few months
    • Fraud or identity theft: Several months to a year or more
    • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process
  • Can I repair my own credit?

    Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

  • Can credit repair companies remove charge offs?

    Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

  • Can credit repair companies remove bankruptcies?

    A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

  • Can a credit repair company remove late payments?

    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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