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Best Credit Repair Companies in Garden Grove

Our Recommended Top 7

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 Garden Grove 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.



7Top Picks

Learn about our selection process.


featured provider = Featured Provider

Garden Grove, CA Rating

Review Sources

4.8 (6708)
2.5 (25)

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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


Garden Grove, CA
Free Credit Report Consultation Rating

Review Sources

4.3 (2911)
4.6 (386)

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.

  • Consumer Credit Services
  • Credit Repair

Garden Grove, CA Rating

Why choose this provider?

Need help contacting a Credit Repair Company in Garden Grove? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

3024 East Chapman Avenue, Orange, CA 92869 Rating

Review Sources

4.7 (58)
5.0 (3)

Why choose this provider?

Pacific West Credit LLC has extensive experience assisting individuals in Garden Grove with improving their credit. This company guides clients throughout the process. Its credit repair specialists review the reports from major bureaus and create a plan on the items that can be disputed. They help remove unverifiable, obsolete, and inaccurate information from the credit report. They also have a password-protected portal on their website where clients can monitor real-time progress of their case.

  • Credit Monitoring

9039 Bolsa Avenue, Westminster, CA 92683 Rating

Review Sources

5.0 (24)

Why choose this provider?

Credit Repair King is a company that helps individuals in Garden Grove and its surrounding communities recover from bad credit. It provides credit consultations to gain a better understanding of its clients' credit situations and comes up with a strategy to help them recover. It has assisted its clients in removing collection accounts to make them eligible for large mortgage or personal loans. Its clients commend the company for rendering quick service and improving their credit scores.

  • Credit Audit

1850 E. 17th St. Ste. #219, Santa Ana, CA 92705 Rating

Review Sources

4.2 (35)

Why choose this provider?

MetroFund Financial serves Garden Grove residents who need credit repair solutions. The company seeks to avert the hassles of low credit scores and restore ratings to reputable levels. It looks into a client's payment history and activities and finds ways to eliminate derogatory entries on one's record. The team removes traces of bankruptcies, closed accounts, and tax liens to enable individuals to secure new financial options. MetroFund has more than 15 years of experience in the financial sector.

  • Credit Dispute

47 Thicket, Irvine, CA 92614 Rating

Review Sources

5.0 (4)

Why choose this provider?

Irvine Credit Repair offers the residents of Garden Grove and the surrounding areas with credit restoration solutions. Its comprehensive credit repair program involves a credit analysis, which identifies outdated, unverifiable, and incorrect credit accounts, such as bankruptcies, collections, late payments, tax liens, and judgments. Its team of specialists also provides credit education. This teaches them how credit scores are calculated and how to read credit profiles, and it shares useful tools and information for budgeting and maintaining a good credit standing.

  • Credit Dispute


  • 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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