Best Credit Repair Companies in Elk Grove

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Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

Credit Advisors Council-Credit Repair Stockton logo
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Credit Advisors Council-Credit Repair Stockton

1407 West Fremont Street, Stockton, CA 95203
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  • Credit Monitoring

Business Description

Credit Advisors Council-Credit Repair Stockton is a credit consulting and repair company that serves clients across Elk Grove and the surrounding areas. Its services include updating credit information by catching unnecessary and fraudulent credit data that could negatively impact one's credit score. It also helps with debt counseling and settlement, student loan management, and identity theft. Through its partnership with Prodigy, a non-profit company, Credit Advisors Council helps its clients with credit education through financial literacy programs.

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.
4.2
Google
4.2 / 5 (5)

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 Boss Financial Services LLC logo
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Credit Boss Financial Services LLC

1120 Foxhall Way, Sacramento, CA 95831
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  • Credit Monitoring

Business Description

Credit Boss Financial Services LLC is a credit repair company that serves Elk Grove and the surrounding areas. The firm helps clients through credit analysis, documentation, and education. It works with credit bureaus and creditors to challenge erroneous information on its clients' credit reports. Credit Boss Financial Services LLC has helped clients raise their credit ratings by more than 90 to 123 points in as little as 60 days. Clients can access their accounts 24/7 for updates.

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 (17)

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
CreditWix logo
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CreditWix

500 Capitol Mall, Sacramento, CA 95814
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  • Credit Dispute

Business Description

CreditWix is a credit repair company serving Elk Grove and the surrounding areas. The firm helps clients with high interest rates on loans and credit cards, those who have difficulty getting mortgages, and those whose insurance premiums are through the roof. The company's services include personalized dispute options, credit audits and analyses, and credit education. CreditWix helps clients improve their credit rating and advises them on good practices to help them keep a good rating.

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
Sacramento Credit Repair logo
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Sacramento Credit Repair

333 University Avenue, Sacramento, CA 95825
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  • Credit Monitoring
  • Credit Dispute

Business Description

Sacramento Credit Repair, a company that has been in the industry for more than 10 years, serves Elk Grove metro. It provides credit repair services to clients, such as improving credit scores, credit report analysis and advice, and settling debt. Using its experience and expertise in consumer FCRA rights, the company works with creditors and credit bureaus in every client's credit repair and resolution process. It is registered with the Department of Justice every year.

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.
4.6
Yelp
4.0 / 5 (133)
Facebook
4.0 / 5 (24)
Google
5.0 / 5 (2)

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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