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Best Credit Repair Companies in Huntington Beach

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Ascent Network logo

Ascent Network

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

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.

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Credit Repair in Buena Park, CA logo

Credit Repair in Buena Park, CA

7561 Commonwealth Avenue, Buena Park, CA 90621
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  • Credit Dispute

Credit Repair in Buena Park, CA is a team of credit consultants that serves Huntington Beach. Whether clients need to improve their credit scores to lower credit card rates or get approved for loans, the consultants help them along the credit restoration process, which involves analyzing credit reports and creating plans accordingly. They improve clients' scores by challenging unverified and inaccurate items such as bankruptcies, foreclosures, and repossessions and work with credit bureaus and creditors on clients' behalf.

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Credit Repair King logo

Credit Repair King

9039 Bolsa Avenue, Westminster, CA 92683
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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.

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Irvine Credit Repair logo

Irvine Credit Repair

47 Thicket, Irvine, CA 92614
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  • Credit Audit

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.

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Novo Credit Repair logo

Novo Credit Repair

444 West Ocean Boulevard, Long Beach, CA 90802
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  • Credit Audit

Headquartered in Long Beach, Novo Credit Repair is a credit repair company that serves individuals and families in the Huntington Beach area and the surrounding communities. Its professionals study each case for violations from the more than 72 credit-related laws like the Fair Credit Reporting Act, Consumer Credit Protection Act, and the Fair Debt Collections Practices Act that protect consumers from mistakes, inaccuracies, and negligence. In addition to credit repair, it also provides rent kharma and secured credit cards.

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Spearhead Credit Solutions logo

Spearhead Credit Solutions

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

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.

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Speedy Credit Repair logo

Speedy Credit Repair

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

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.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: 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.

Q: Is credit repair legal?

A: 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.

Q: Can a credit repair company remove late payments?

A: 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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