Best Credit Repair Companies in Modesto

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Credit Repair Companies FAQs

Learn more
Credit Saint logo
FEATURED
Visit WebsiteWebsite

Credit Saint

Modesto, CA
Visit WebsiteWebsite

Business Description

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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
Continental Credit Repair logo
Visit WebsiteWebsite

Continental Credit Repair

96 North 3rd Street, San Jose, CA 95112
Visit WebsiteWebsite
  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Business Description

Continental Credit Repair is a locally owned and operated credit repair agency that aims to help clients improve their credit scores and financial status. Servicing the Modesto area, the firm offers personalized credit help by disputing and appealing inaccurate negative accounts to credit reporting agencies like Experian and TransUnion. Clients can also check and monitor their credit repair progress anytime through the company's online portal. It also educates clients so that they can be more empowered to build and maintain their improved credit standing.

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.
4.5
Google
4.5 / 5 (24)

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
Credit Advisors Council logo
Visit WebsiteWebsite

Credit Advisors Council

1407 West Fremont Street, Stockton, CA 95203
Visit WebsiteWebsite
  • Credit Audit

Business Description

Credit Advisors Council is a company that handles different facets of consumer credit. It is an Orlando-based company that serves individuals and families in the Modesto area and the surrounding communities. Its list of services includes credit counseling, building credit, and credit repair—an activity provided under the CROA that helps consumers address inaccurate, unverified, or outdated items on credit reports. Additionally, it provides student loan forgiveness, identity theft, and financial literacy services that teach clients how to make the most of their resources.

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.
4.4
Google
4.4 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jones Financial Credit Repair logo
Visit WebsiteWebsite

Jones Financial Credit Repair

1400 Mitchell Road, Modesto, CA 95351
Visit WebsiteWebsite
  • Credit Dispute

Business Description

Jones Financial Credit Repair is an independent credit repair company that serves residential and commercial clients in Modesto and the surrounding areas. It offers a comprehensive range of credit repair services, including creditor and collector dispute resolution, account review, credit utilization, and restoration of credit scores. The company is managed by a team of credit specialists, who are trained in assessing the client's credit history and filing disputes with creditors, collectors, and credit bureaus. Jones Financial Credit Repair also provides credit monitoring packages.

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 (25)

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
Jones Financial Credit Services logo
Visit WebsiteWebsite

Jones Financial Credit Services

1400 Mitchell Road, Modesto, CA 95351
Visit WebsiteWebsite
  • Credit Monitoring

Business Description

Jones Financial Credit Services is a full-service credit repair company that serves clients in Modesto. The firm supports individuals in recovering from financial hurdles by fixing and improving their credit scores. Its credit specialists remove any negative remarks like repossessions, late payments, student loans, and other derogative items from their client's credit reports. The team also offers the Credit Boost program that helps clients maintain good credit for the long term. Past clients commended the firm for constantly updating them on the credit repair process.

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 (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
Back to Providers

Frequently Asked Questions

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.

How do you repair credit after identity theft?

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.

Is credit repair legal?

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.

Read All FAQS