Expertise.com

2024

Last updated:

Best Credit Repair Companies in Lake Forest

Our Recommended Top 9

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 Lake Forest 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.

66Reviewed

43Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Lake Forest, CA
  • Credit Audit
  • Credit Restoration
  • Money Back Guarantee
  • Credit building
  • Credit Repair

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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.

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

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 logoFEATUREDExpertise.com

Lexington Law

Lake Forest, CA
  • Credit Repair
  • Consumer Credit Services

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
Facebook
4.3 / 5 (2911)
Google
4.3 / 5 (433)

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 Report Consultation

Website
30498 White Fir Dr, Menifee, CA 92584
  • Debt Consolidation
  • Credit Monitoring

Why choose this provider?

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.

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 (10)
Facebook
5.0 / 5 (3)

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
Tustin, CA 92606
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

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.

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
Facebook
5.0 / 5 (11)
Google
5.0 / 5 (2)
Yelp
5.0 / 5 (1)

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
31997 Sugarbush Ln, Lake Elsinore, CA 92532
  • Credit Dispute

Why choose this provider?

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.

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.
4.1

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

Why choose this provider?

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.

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.
4.9
Google
4.9 / 5 (93)
Facebook
5.0 / 5 (10)
Yelp
5.0 / 5 (1)

Website
17671 Cowan, Irvine, CA 92614
  • Credit Audit

Why choose this provider?

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.

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

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
1438 Contessa, Irvine, CA 92620
  • Credit Audit

Why choose this provider?

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.

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

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

Website
23 Corporate Plaza Drive, Suite 150, Newport Beach, CA 92660
  • Credit Monitoring

Why choose this provider?

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.

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 (30)

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

FAQs

  • 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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