Expertise.com

Best Credit Repair Companies in Escondido

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2023
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Credit Saint logo
FEATURED
https://www.creditsaint.com/enter/42dbbff6328dd232ce49b51184c3f299

Credit Saint

Escondido, CA
  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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: https://www.creditsaint.com/enter/42dbbff6328dd232ce49b51184c3f299

Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

Escondido, CA
  • Consumer Credit Services
  • Credit Repair

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 (2911)

Price: Free Credit Report Consultation

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Credit Corner logo

Credit Corner

2571 Mast Way, Chula Vista, CA 91914
  • Credit Dispute

Business Description

Credit Corner is an experienced financial services company committed to help customers improve credit scores, organize credit, plan and schedule, remove negative claims, track progress, and maintain good credit. CC offers customized and effective financial restoration plans. Addressing each member’s unique situation, CC cooperates with customers for a timely meeting of financial freedom goals. It reviews customer mortgage loans and gives straight answers on available options. The team alleviates worries through clear and honest communication for the process.

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 (39)
Facebook
5.0 / 5 (9)

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 Diva logo
Visit WebsiteWebsite

Credit Diva

Visit WebsiteWebsite
888 Prospect Street, San Diego, CA 92037
  • Credit Dispute

Business Description

Credit Diva is an Arkansas credit repair agency serving individuals in Escondido and Rogers. It has been operating for over 17 years. The firm specializes in personal and business credit restoration, debt negotiation, and seminars. Additionally, the company enjoys a glowing reputation in the community for its efficiency in client education, innovative credit restoration methods, and results-driven services. Credit Diva strives to help clients improve their credit standings, equipping them to achieve a financially secure future.

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 (27)
Google
4.0 / 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
Jonas Victor logo
Visit WebsiteWebsite

Jonas Victor

Visit WebsiteWebsite
7474 El Cajon Boulevard, La Mesa, CA 91942
  • Credit Audit

Business Description

Jonas Victor is a credit repair specialist that serves individuals and families in Escondido and the neighboring areas. He provides personalized reviews of all three credit bureaus' reports and uses disputing strategies to challenge negative entries on credit scores such as foreclosures, bankruptcies, and repossessions. In addition, he educates clients on the proper use of credit. CEO and owner Jonas Victor, also known as "Mr. Credit Guy," helped one client boost her credit score by 40 points in three weeks.

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 (11)

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
San Diego Credit Solutions logo
Visit WebsiteWebsite

San Diego Credit Solutions

Visit WebsiteWebsite
100 East San Marcos Boulevard, San Marcos, CA 92069
  • Debt Consolidation

Business Description

San Diego Credit Solutions is a credit repair company owned and operated by credit expert Frank Kriticos. It offers its credit restoration services to individuals in the Escondido area. The company helps clients remove collections, bankruptcies, late payments, foreclosures, liens, and repossessions from their credit reports and prevent them from being reported again. Kriticos founded San Diego Credit Solutions in 2007. He previously worked as a police officer and mortgage banker before focusing his attention on providing credit repair services.

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
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Shoreline Credit Repair logo
Visit WebsiteWebsite

Shoreline Credit Repair

Visit WebsiteWebsite
10601 Tierrasanta Boulevard, San Diego, CA 92124
  • Credit Dispute

Business Description

Shoreline Credit Repair offers to examine and boost the credit scores of clients in Escondido. It looks at each client's prior debts, open accounts, card histories, and other factors to pinpoint unsettled problems. The company then pairs each client with an account specialist to remove bad records, provide paperwork updates, and handle credit disputes. The specialist can advise first-time customers on credit scores and how it affects their interest rates. Clients can contact their specialists via phone or e-mail.

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
Yelp
5.0 / 5 (125)
Google
3.0 / 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

Frequently Asked Questions

  • 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.