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Best Credit Repair Companies in Moreno Valley

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Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

Moreno Valley, CA
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  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Business Description

Credit Saint is a credit restoration specialist in Moreno Valley that has been providing comprehensive credit repair services for over 15 years. It offers programs that are tailored to fit clients' specific needs and situations. Different levels of credit repair packages are available, which include Clean Slate, Credit Remodel, and Credit Polish. Its professionals also specialize in a credit restoration process, which involves monitoring and analyzing the client's credit history to determine its negative and positive items.

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 (5317)
Yelp
2.5 / 5 (23)

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
FEATURED
Free Credit Report Consultation

Lexington Law

Moreno Valley, CA
  • Consumer Credit Services
  • Credit Repair

Business Description

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 (2869)
Yelp
1.5 / 5 (564)
Google
4.6 / 5 (380)

Price: Free Credit Report Consultation

Credit Help Services logo
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Credit Help Services

1400 East Cooley Drive, Colton, CA 92324
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  • Credit Monitoring

Business Description

Credit Help Services serves residents of Baldwin Park and the surrounding areas. It offers credit restoration services and assists clients in improving their credit scores, lowering their auto insurance rates, and reducing their home mortgage interest rates. Its attorneys review credit report items and dispute misleading, incomplete, inaccurate, and unverifiable information. It also establishes a credit management system to assist clients in tracking their progress. Carlsbad, Corona, Riverside, and West Covina are among the areas where the company has offices.

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
Credit Repair 180 logo
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Credit Repair 180

1400 E Cooley Dr # 100A, Colton, CA 92324
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Business Description

Credit Repair 180 is a credit repair company that works with clients in the Moreno Valley metro area to improve their credit scores and financial situations. It offers a simple three-step process to improve and maintain credit, beginning with a thorough analysis of clients' credit reports from all three major bureaus, developing a personalized strategy and identifying items that should be challenged. It then works directly with creditors to remove unfair and erroneous items from credit reports before using a range of tools to educate clients on how credit works, help them build credit in a sustainable way, and track credit scores as they change.

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.
4.7
Google
4.7 / 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
FixMy3Scores.com logo
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FixMy3Scores.com

4199 Flat Rock Road, Riverside, CA 92505
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Business Description

Fix My 3 Scores is a credit repair company that has been serving clients in Moreno Valley for over 10 years. The firm assists individuals and families who have suffered from insolvency issues and debt problems restore their credit scores. Consultants at the company also monitor and review the full credit reports of their clients from all three bureaus. Other services include identity protection and insurance, fraud resolution, roadside insurance, and guidance for personal records access. The company was a two-time winner of the Best of Riverside Award for Financial Advising in 2015 and 2016.

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 (71)
Kredit Rehab logo
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Kredit Rehab

31997 Sugarbush Ln, Lake Elsinore, CA 92532
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Business Description

Kredit Rehab is a credit repair company that works with clients across the Moreno Valley metro area. It has a strong focus on removing erroneous, unverified, or outdated items from credit reports and begins by closely examining reports from all three credit bureaus. Its credit experts aim to contact clients within 24 hours to start the dispute process, which they can follow in real time on a secure, password-protected portal. Kredit Rehab also seeks to educate people on how credit works and how to improve their scores, providing personal recommendations on how to build good credit as well as general information on how scores are calculated.

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
Google
3.9 / 5 (7)
Facebook
5.0 / 5 (2)

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
My Credit Focus logo
Visit WebsiteWebsite

My Credit Focus

1400 E Cooley Dr Ste 202, Colton, CA 92324
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Business Description

My Credit Focus is a credit repair agency in Moreno Valley whose goal is to educate clients on how credit works and improve their credit scores. Its attorneys examine every item on clients' credit reports, searching for items that are unfair, incorrect, or unverified, before working directly with creditors to have the items removed from credit reports. It also educates clients about what their credit score means, how it is calculated, and how they can best plan to improve and maintain their credit score. My Credit Focus offers an online credit management system so each client can see advice and updates in real time.

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 (89)

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
Plan B logo
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Plan B

25060 Hancock Ave Ste 103-437, Murrieta, CA 92562
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Business Description

Plan B is a credit repair company that helps clients in the Moreno Valley improve their credit scores, focusing on helping those who want to buy a home or apply for credit cards. It deals directly with the Experian, Equifax, and TransUnion credit bureaus to dispute negative items such as foreclosures and late payments on clients' credit reports, aiming to remove any items that are incorrect, unfair, or outdated. It offers a range of different plans and options, including an in-depth service aimed at clients who have multiple negative accounts on their credit report and a quick service for those who need to apply for a loan or card within a month.

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
4.0 / 5 (10)

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

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.

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.

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.

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