Expertise.com

2024

Last updated:

Best Credit Repair Companies in El Cajon

Our Recommended Top 5

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 El Cajon 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.

77Reviewed

48Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

El Cajon, CA

Expertise.com Rating

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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
  • Credit building
  • Money Back Guarantee
  • Credit Restoration
  • Credit Audit
Lexington Law logo

Lexington LawExpertise.com

El Cajon, CA
Free Credit Report Consultation

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Review Sources

Facebook
4.3 (2911)
Yelp
1.0 (11)

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.

  • Credit Repair
  • Consumer Credit Services

6811 Alvarado Rd Unit 20, San Diego, CA 92120

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Review Sources

Google
4.3 (28)

Why choose this provider?

Decade Financial Solutions serves individuals and businesses in and around the El Cajon area. It offers credit repair programs that include credit education resources and training materials along with access to a personal credit advisor and debt negotiator. They also handle filing disputes with creditors and addressing scores from reports by TransUnion, Experian, and Equifax. Credit consulting and monitoring are Decade Financial Solutions' other services. The firm has nearly 20 years of experience and has served over 3,000 clients.

  • Debt Consolidation

2571 Mast Way Suite 202, Chula Vista, CA 91914

Expertise.com Rating

Review Sources

Yelp
5.0 (47)
Google
5.0 (39)
Facebook
5.0 (10)

Why choose this provider?

Credit Corner caters to individuals and businesses in El Cajon and the surrounding communities. The company leverages the clients' consumer rights and uses its experience to engage with individual creditors and credit bureaus. It works on the clients' behalf to remove questionable negative items in their credit reports. It also offers forensic loan audit services. Credit Corner brings more than a decade of expertise in the financial industry and uses this experience to help people resolve their financial issues.

  • Credit Monitoring

1286 University Avenue, Suite 210, San Diego, CA 92103

Why choose this provider?

Credit Image helps individuals in El Cajon and its nearby areas achieve their long-term financial goals. It offers credit repair solutions and consultations to examine credit reports for potential issues. It handles disputes and creates customized letters for credit bureaus. The company assists in disputes for inaccuracies and errors in credit reports, including collections, charge-offs, negative settlements, late payments, closed accounts, and bankruptcies. Credit Image also works on personal identity theft issues.

  • Credit Monitoring

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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