Expertise.com

Best Credit Repair Companies in Chula Vista

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2023
Laurels

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Credit Saint logo
FEATURED
Free Credit Evaluation

Credit Saint

Chula Vista, CA
  • Credit building
  • Money Back Guarantee
  • Credit Restoration
  • Credit Audit
  • Credit Repair

Business Description

Credit Saint aims to help people in Chula Vista have good credit and financial stability through its credit repair services. The company offers three credit repair packages that involve challenging inaccurate details in its clients' credit histories. The company starts by opening a credit monitoring account for its customers and going through their credit history. It then determines the items that the client disagrees with. The company also evaluates clients' positive credit and teaches them how they can optimize their credit report.

Reputation:

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.
4.8
Google
4.8 / 5 (5317)
Yelp
2.5 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Credit Evaluation

Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

Chula Vista, CA
  • Consumer Credit Services
  • Credit Repair

Business Description

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.

Reputation:

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.
4.3
Facebook
4.3 / 5 (2869)
Yelp
1.5 / 5 (564)
Google
4.6 / 5 (380)

Price: Free Credit Report Consultation

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Credit Corner logo

Credit Corner

2571 Mast Way Ste 202, Chula Vista, CA 91914

Business Description

The financial services company Credit Corner provides credit repair services in Chula Vista. The staff obtains credit reports from creditors and credit bureaus, then creates plans to challenge adverse claims, such as defaults and charge-offs. It offers extensive mortgage loan solutions, including correcting foreclosure, short sale, and late payment information. The team handles debt settlements and unfair collection practices, helping to avert negative reports on personal credit. Additional financial restoration services include forensic loan auditing and litigation support for professionals and attorneys who work on mortgage modification and real estate law. Credit Corner has over 10 years of experience in the financial industry.

Reputation:

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.
5.0
Yelp
5.0 / 5 (49)
Google
5.0 / 5 (39)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Credit Repair Finest logo
Visit WebsiteWebsite

Credit Repair Finest

Visit WebsiteWebsite
7474 El Cajon Boulevard, La Mesa, CA 91942

Business Description

Credit Repair Finest is a service agency that works with clients to improve their credit rating by fixing errors that harm their score. Its certified life coach helps individuals increase their rating in 30 to 90 days by notifying credit agencies of errors and providing proof. Owner and operator Jonas Victor also equips clients with the tools necessary to avoid costly mistakes and keep their credit score in good standing.

Reputation:

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.
5.0
Google
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Debt Relief Legal Clinic logo

Debt Relief Legal Clinic

46 Third Ave Ste D, Chula Vista, CA 91910

Business Description

Debt Relief Legal Clinic is a family-oriented credit repair company in Chula Vista that's been serving clients since 1975. Its bankruptcy attorneys assist with providing debt relief and improving the credit scores of clients. The firm handles clients faced with foreclosure, car repossession, collection harassment, lawsuits, back taxes, student loan debt, or wage garnishments. It provides debt negotiations and credit report evaluation services. The credit specialists also provide consultations for clients facing credit card, medical bill, and mortgage debt. Debt Relief Legal Clinic supports the community by offering scholarships to aspiring law students. It's a member of the State Bar of California and the National Association of Consumer Bankruptcy Attorneys.

Reputation:

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.
4.7
Yelp
5.0 / 5 (7)
Google
4.2 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Decade Financial Solutions logo
Visit WebsiteWebsite

Decade Financial Solutions

Visit WebsiteWebsite
6811 Alvarado Rd Unit 20, San Diego, CA 92120

Business Description

Decade Financial Solutions is a veteran-owned firm that helps individuals and businesses in Chula Vista get back on track financially. For over two decades, it has been providing debt relief services through credit repair, debt management, and debt consolidation. Its team roots out all negative items from credit reports, files disputes to remove them, and negotiates with creditors during the credit repair process. The firm's approach for each case involves counseling clients about credit ratings and proper money management habits.

Reputation:

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.
4.6
Facebook
4.8 / 5 (32)
Google
4.3 / 5 (29)
Golden Financial Services logo

Golden Financial Services

600 Palm Ave, Imperial Beach, CA 91932

Business Description

Founded in 2004, Golden Financial Services was one of the first debt settlement agencies in the country, serving clients who speak English and Spanish in the Chula Vista area. Representatives assist clients with disputing credit card debt and settling or reducing student loan debts with relief and consolidation programs. IAPDA Certified and Accredited, the agency offers debt validation programs to dispute third-party debt collection. It provides free national debt relief advice and resources along with various online tools, including a budget and debt snowball calculator. Clients can find support and guidance regarding small business and credit card loans. Tax relief and bankruptcy debt relief programs are also available.

Reputation:

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.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jenn Financial Solutions LLC logo
Visit WebsiteWebsite

Jenn Financial Solutions LLC

Visit WebsiteWebsite
San Diego, CA 91911

Business Description

Jenn Financial Solutions LLC offers personalized credit management in Chula Vista. It helps clients improve their credit scores by disputing collections, court judgments, foreclosures, repossessions, tax liens, and credit card debts. It also takes on student loan, old address, and late payment issues. The firm provides scheduled consultations to clients who need assistance in planning or analyzing their credit status. CEO Jennifer Nguyen was among the Top Private Client Bankers in the USA at JPM Chase in February 2019.

Reputation:

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.
5.0
Google
5.0 / 5 (38)
Facebook
5.0 / 5 (37)
Yelp
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
My Credit Repair USA logo

My Credit Repair USA

2534 State St Ste 471, San Diego, CA 92101

Business Description

My Credit Repair USA assists residents of Chula Vista and surrounding areas with credit repair services. The staff offers initial consultations to evaluate current credit scores, develop repair plans, and provide time frames to dispute negative items on credit reports. They handle the legal process to enforce clients' right to good credit by challenging creditors and credit reporting agency findings. The credit repair specialists review client cases monthly and use an automated proprietary tracking system to make the repair process seamless and quick. The company has credit education services available via reading materials. My Credit Repair USA also offers financial and reputation management services.

Reputation:

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.
5.0
Yelp
5.0 / 5 (4)
San Diego Credit Repair Company logo
Visit WebsiteWebsite

San Diego Credit Repair Company

Visit WebsiteWebsite
402 West Broadway, San Diego, CA 92101

Business Description

San Diego Credit Repair Company has been providing credit repair services to clients in Chula Vista and nearby areas for 10 years. It helps clients correct or delete negative items in their credit reports permanently. It works closely with lawyers and has studied the FCRA to provide clients with reliable results. San Diego Credit Repairs offers silver, gold, and platinum services which vary depending on the client's needs. Most of its services include removal of inquiry and bankruptcy.

Reputation:

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.
5.0
Google
5.0 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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.