Best Credit Repair Companies in Lake Forest

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Credit Repair Companies FAQs

Last updated: October 1, 2022

Brightside Credit Services

24881 Alicia Pkwy Suite E-265, Laguna Hills, CA 92653

Debt Consolidation

Brightside Credit Services is a Laguna Hills-based company that caters to individuals in Lake Forest and the surrounding areas. It offers credit repair solutions, which help clients manage their money and achieve their financial goals. Its process involves conducting detailed evaluations of the customers' credit files, identifying questionable and unverifiable items, and contacting credit bureaus to get rid of those. Brightside Credit Services also helps businesses calculate and build credit scores.

Felton Financial Solutions LLC

9891 Irvine Center Dr Ste 200, Irvine, CA 92618

Credit Dispute

Felton Financial Solutions LLC is a full-service credit repair agency that aims to help clients in Lake Forest improve their credit scores and financial status. The firm offers credit help by analyzing reports from three credit bureaus and disputing and appealing unverifiable negative accounts such as collections, charge-offs, repossessions, collections, and bankruptcies. While items on reports are being disputed, the firm assists clients in building up their credit scores through ongoing education and financial guidance.

First Pro Capital

23 Corporate Plaza Drive, Suite 150, Newport Beach, CA 92660

Credit Monitoring

First Pro Capital serves clients in Lake Forest and the surrounding areas with a wide range of services ranging from personal and business credit repair to credit restoration and debt solutions. To resolve negative credit marks on a credit report, it employs a customized process for each commercial entity, which includes assessing business credit and dealing directly with lenders, trade associates, and collection agencies. In addition, the firm serves professionals in the real estate industry.

Frontier Credit Repair

30498 White Fir Dr, Menifee, CA 92584

Debt Consolidation
Credit Monitoring

Frontier Credit Repair is a veteran-owned business serving Lake Forest and the surrounding areas. Its team helps clients build credit and positive payment history by identifying negative items and filing disputes with credit bureaus and creditors on their behalf. The professionals also provide credit monitoring services, which protect clients against identity theft and fraudulent activity. Frontier Credit Repair has more than 35 years of industry experience. It has helped over 25,000 clients and removed more than $7 million of debt from clients' credits.

Kredit Rehab

31997 Sugarbush Ln, Lake Elsinore, CA 92532

Credit Dispute

Kredit Rehab is a credit repair company that caters to individuals in Lake Forest and the surrounding areas. It works with TransUnion, Experian, and Equifax, providing credit repair solutions. The firm aims to remove negative items on the client's account. It redefines its strategies to fit each client's specific needs by sending personalized dispute letters to credit bureaus. The company provides customers with open communication throughout the process through 24/7 tracking and email alerts. It also offers credit education.

Making Lives Better Credit Solutions

17671 Cowan, Irvine, CA 92614

Credit Audit

Making Lives Better Credit Solutions guides clients in and around Lake Forest to assert their legal rights through credit repair services. The process starts with obtaining credit reports for analysts to review, identifying which factors are impacting a client's credit score. The advisors work with each client, providing credit education and correction processes, including submitting custom dispute letters to credit bureaus and collector agencies regarding negative items on credit reports and potentially removing them. Clients have 24/7 access to their case status to check their progress.

MLE Financial Solutions

Tustin, CA 92606

Credit Monitoring
Credit Audit

MLE Financial Solutions serves clients in Lake Forest. It offers various services like credit consultation, evaluation, repair, and restoration. It eliminates illegal items that are negatively impacting the client's credit scores and restores their credit rating. It also provides assistance in creating a full credit repair strategy that includes, but is not limited to, validations, disputes, and supporting clients in establishing their new credit. It also handles the deletion of bankruptcy, collections, and repo records.

Newday Credit Repair

1438 Contessa, Irvine, CA 92620

Credit Audit

Newday Credit Repair has been helping individuals and families in Lake Forest and nearby areas for over a decade. Its team of credit repair specialists helps prevent the dangers of bad credit. They repair bad credit in order to help clients secure more competitive interest rates. They perform a thorough assessment of the whole credit report, item by item, to determine if there are any errors or unverifiable items. In addition, they examine and remove any presence of defamatory charges.

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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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