Expertise.com

Best Credit Repair Companies in Huntington Beach

2024

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Website
Huntington Beach, CA
  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

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 (8772)
Yelp
2.5 / 5 (26)

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
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Lexington Law

Huntington Beach, CA
  • Consumer Credit Services
  • Credit Repair

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.

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

Price: Free Credit Report Consultation

Website
16892 Bolsa Chica Street, Huntington Beach, CA 92649
  • Credit Audit

Why choose this provider?

Ascent Network is a company that offers credit repair services to clients from Huntington Beach and the surrounding areas. This company specializes in debt settlement, credit score improvement, educational loans, foreclosure prevention, and negotiations. Additional services offered by the firm include credit audit verification and restoration, credit reference, and mortgage referral services. Clients can upload their documents for credit repair on the company's website. In addition, Ascent Network works with three credit bureaus: TransUnion, Experian, and Equifax.

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
4.0 / 5 (27)
Facebook
5.0 / 5 (20)
Yelp
4.0 / 5 (18)

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

Website
2901 West Coast Highway, Newport Beach, CA 92663
  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Why choose this provider?

Spearhead Credit Solutions is a credit repair company serving individuals in the Huntington Beach community and the surrounding areas. Its team of credit professionals provides credit consultation, in-depth credit analysis, and credit recommendations to help customers improve their credit scores. Included in the credit repair process is the removal of negative items like foreclosures, late payments, and charge-offs from the client's credit report. In addition, Spearhead Credit Solutions is also registered with the Department of Justice.

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 (5)
Google
5.0 / 5 (3)

Website
47 Thicket, Irvine, CA 92614
  • Credit Audit

Why choose this provider?

Irvine Credit Repair is a credit restoration company serving clients in the Huntington Beach area. It offers credit repair programs to individuals that have been turned down for a car loan or mortgage due to poor credit scores. The company can also remove foreclosures and bankruptcies if the listing is incomplete, misleading, or inaccurate. In addition to its credit repair services, Irvine Credit Repair educates its clients on the components of a credit score to assist them in establishing and maintaining a budget.

Website
9039 Bolsa Avenue, Westminster, CA 92683

Why choose this provider?

Credit Repair King offers its services to the residents of Huntington Beach and the surrounding areas. It helps clients improve their bad credit caused by various factors, such as late payments, charge-off accounts, maxing out credit limits, and filing for bankruptcy. In addition, the company assists clients in disputing erroneous details on its clients' credit reports and helping them develop better credit practices. Some of the clients helped by Credit Repair King were able to raise their credit scores by roughly 200 points.

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

Website
117 Main Street, Huntington Beach, CA 92648
  • Debt Consolidation

Why choose this provider?

Speedy Credit Repair is a family-operated financial consultant that serves clients in Huntington Beach. It specializes in providing credit reviews and processing credit disputes and challenges. It also works on eliminating questionable credit items from its clients' credit records that include collection accounts, delayed payments, and bankruptcies. The company has more than 30 years of debt management experience. Its owner, Chris Lahage, is a finance director at a Toyota franchise and he continues to serve his private clientele through his credit repair company.

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.
4.0
Yelp
4.0 / 5 (71)
Google
4.0 / 5 (36)

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.
2.8
Responsiveness
Friendliness
Helpfulness
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Detail
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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.

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