Best Credit Repair Companies in Costa Mesa

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Credit Repair Companies FAQs

Learn more
Credit Management Pros logo
Visit WebsiteWebsite

Credit Management Pros

12235 Beach Blvd. Ste 206D, Stanton, CA 90680
Visit WebsiteWebsite
  • Credit Monitoring

Business Description

Credit Management Pros serves the residents of Costa Mesa and the surrounding areas. Its team develops customized plans for repairing and rebuilding clients' ability to obtain loan or credit card approval. Its experts look for errors, incorrect personal information, or duplicate entries that are causing low scores. They work with creditors and bureaus to remove items such as inquiries, student loans, bankruptcies, and foreclosures. Credit Management Pros has more than a decade of consumer credit experience.

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 (1)

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
EZ Choice Credit Repair logo
Visit WebsiteWebsite

EZ Choice Credit Repair

18430 Brookhurst St Suite 202 Q, Fountain Valley, CA 92708
Visit WebsiteWebsite
  • Debt Consolidation
  • Credit Monitoring
  • Credit Audit

Business Description

EZ Choice Credit Repair serves Costa Mesa. It offers solutions for consumers seeking credit repair to improve their financial situations. It begins the process by conducting full analyses of reports for negative items such as bankruptcies, charge-offs, collections, foreclosures, and liens. Upon identifying erroneous items, it reaches out to bureaus to dispute such information and have them fixed. The company has a credit education program to help clients develop better spending habits. It was founded in 2005.

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.
4.9
Yelp
5.0 / 5 (668)
Facebook
4.5 / 5 (23)
Google
5.0 / 5 (19)

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
Back to Providers

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.

Read All FAQS