Best Credit Repair Companies in El Monte

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Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

El Monte, CA
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Business Description

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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.

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 (5320)
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

El Monte, 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 (3042)
Google
4.6 / 5 (380)

Price: Free Credit Report Consultation

Comet Credit Repair logo
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Comet Credit Repair

250 East 1st Street, Los Angeles, CA 90012
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  • Credit Audit

Business Description

Comet Credit Repair is a locally owned and operated credit repair company serving the residents of El Monte and the surrounding areas. Its team of credit repair specialists has worked with clients who have credit scores as low as 330 and as high as 500. They connect with their clients' debtors and creditors to address errors and credit-related problems. In addition, Comet Credit Repair uses a web-based software system that allows its clients to stay informed about their files 24/7.

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 Bank logo
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Credit Repair Bank

3680 Wilshire Boulevard, Los Angeles, CA 90010
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  • Credit Dispute

Business Description

Credit Repair Bank is a firm that helps residents in El Monte by providing personalized rebuilding programs to improve their credit scores. Its services include disputing unfair credits, removing negative items, correcting inaccurate reports, and consultations. Its agents monitor credit scores to create in-depth recommendations that restore credit standing to make the most of financial opportunities. Credit Repair Bank has served over 1,000 clients and completed 1,913 cases. In addition, it has years of experience in 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.
4.7
Google
5.0 / 5 (4)

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
Future Credit Fix logo
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Future Credit Fix

5455 Wilshire Boulevard, Los Angeles, CA 90036
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  • Credit Dispute

Business Description

Future Credit Fix is a credit counseling service provider that serves clients in El Monte. It conducts consultation through its credit professionals who hold FICO certification. Moreover, its staff has more than 20 years of combined credit repair experience and it also complies with the service and transparency requirements of the Fair Credit Reporting Act. Future Credit Fix also offers its clients a personalized education about the accounts on their credit reports and their financial goals.

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
Google
4.3 / 5 (58)

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
Infinite Financial Firm logo
Visit WebsiteWebsite

Infinite Financial Firm

1722 Westwood Boulevard, Los Angeles, CA 90024
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  • Credit Dispute

Business Description

With over a decade of experience in the credit repair industry, Infinite Financial Firm caters to clients in and around Los Angeles and its nearby metros, including El Monte. Its personnel collaborates with clients to review their credit reports and create a customized plan based on their analysis. The firm also works to dispute inaccuracies in a client's credit report. Moreover, Infinite Financial Firm teaches its clients financial techniques that help maintain their credit scores.

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 (507)
Yelp
5.0 / 5 (116)
Facebook
5.0 / 5 (92)

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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