Best Credit Repair Companies in Murrieta

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Debt Free League logo
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Debt Free League

25185 Madison Ave, Suite A, Murrieta, CA 92584
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  • Debt Consolidation

Business Description

Debt Free League offers credit repair services to clients in the Murrieta metro and its surrounding areas. It has experience with successfully removing negative items from credit reports, such as lawsuits, vehicle repossessions, late payments, collection accounts, and tax liens. Other services it also offers include debt settlement, validation, and consolidation. One of its clients commended the company for having helpful and knowledgeable customer service representatives. Debt Free League has been in operation since 2006.

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
Yelp
5.0 / 5 (1)
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Debt Free League

Dedicated Credit Repair logo
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Dedicated Credit Repair

41880 Kalmia Street Suite 145, Murrieta, CA 92562
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  • Credit Monitoring
  • Credit Dispute

Business Description

Dedicated Credit Repair is a family-owned business located in Murrieta that serves the metro's residents, including those who speak Spanish. It assists with the removal of incorrect, unverifiable, and out-of-date items from clients' credit reports. It also disputes any item that violates the Fair Credit Reporting Act and the Fair Debt Collections Act. Dedicated Credit Repair has been helping people recover from financial stress for more than 16 years. It is accredited by the Organization of Compliant Credit Account Managers.

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
Yelp
4.5 / 5 (64)
Google
4.1 / 5 (55)
Facebook
4.9 / 5 (32)

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
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Dedicated Credit Repair

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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.

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