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Best Credit Repair Companies in Costa Mesa

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

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.

12235 Beach Blvd. Ste 206D, Stanton, CA 90680
Stanton, CA 90680

Website(888) 827-0020

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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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

1 (Good)

Score Consistency:

Consistent (Best)

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

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.

18430 Brookhurst St Suite 202 Q, Fountain Valley, CA 92708
Fountain Valley, CA 92708

Website(949) 732-1167

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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.

Online Profiles:

3 (Best)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

710 (Best)

Score Consistency:

Consistent (Best)

PO Box 17216, Anaheim, CA 92817
Anaheim, CA 92817
Instagram
  • Credit Dispute

Rays Credit caters to customers in the Costa Mesa metro and the surrounding communities. It helps clients repair their credit scores through its credit rebuild program. It gets rid of different types of negative items, such as bankruptcies and liens. The service also includes filing resolutions and issues with the three major credit bureaus. In addition, the company deals with corporation setup and credit refresh. Rays Credit brings more than 40 years of experience in the industry.

PO Box 17216, Anaheim, CA 92817
Anaheim, CA 92817

InstagramWebsite(800) 510-3338

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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.

Online Profiles:

1 (Good)

Average Review Score:

4.3 / 5 ( Best)

Total Reviews:

43 (Best)

Score Consistency:

Consistent (Best)

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

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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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