Best Credit Repair Companies in Clovis

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Lexington Law logo
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Free Credit Report Consultation

Lexington Law

Clovis, CA

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 (2986)

Price: Free Credit Report Consultation

Ace1 Credit Repair logo
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Ace1 Credit Repair

2928 N West Ave, Fresno, CA 93705
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  • Credit Audit

Business Description

Ace1 Credit Repair helps Clovis clients improve their credit reputation. Based on their analysis of credit reports, its advisers provide step-by-step- solutions for enhancing consumers' scores. They send dispute letters to collectors, bureaus, and creditors to remove and correct problematic accounts like late payments, identity theft, tax liens, and inquiries. The team also addresses records on bankruptcies, repossessions, charge-offs, and short sales. Ace1 Credit Repair has been in operation for over 20 years.

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
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Detail
J. L. Taylor & Associates, LLC logo
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J. L. Taylor & Associates, LLC

2555 E. Perrin Ave. Ste 116, Fresno, CA 93720
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  • Credit Monitoring

Business Description

J. L. Taylor & Associates, LLC, is a credit repair company serving residents of Clovis and nearby areas. It helps improve credit scores by removing negative items on credit reports, such as repossessions, liens, collections, and bankruptcies. Its credit repair process includes credit report evaluation, credit repair plan, investigation and dispute, progress review, and assistance with future financial needs. It partners with several mortgage companies, auto lenders, banks, and realtors to provide clients with services that fit their particular needs.

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
4.9 / 5 (42)
Yelp
4.5 / 5 (11)

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
Recovery Credit Repair Inc logo
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Recovery Credit Repair Inc

3106 S. Mooney Blvd, Visalia, CA 93277
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  • Credit Monitoring

Business Description

Recovery Credit Repair Inc. offers its services to residents of Clovis and neighboring areas. The firm disputes inaccurate credit report items against the credit bureaus and creditors on their clients' behalf. It has helped many individuals improve their credit standing and increase their FICO scores by correcting their files and removing negative accounts. Its credit repair process includes initial consultation, credit report review and analysis, implementation of a dispute action plan, and tax preparation.

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
4.6 / 5 (28)
Facebook
5.0 / 5 (20)

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
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Frequently Asked Questions

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.

How do you repair credit after identity theft?

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.

Is credit repair legal?

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.

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