Expertise.com

2024

Last updated:

Best Credit Repair Companies in Norwalk

Our Recommended Top 10

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 Norwalk 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.

84Reviewed

54Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Norwalk, CA

Expertise.com Rating

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

  • Money Back Guarantee
  • Credit Audit
  • Credit building
  • Credit Restoration
  • Credit Repair
Lexington Law logo

Lexington LawExpertise.com

Norwalk, CA
Free Credit Report Consultation

Expertise.com Rating

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.

  • Credit Repair
  • Consumer Credit Services

9039 Bolsa Ave, STE 303, Westminster, CA 92683

Expertise.com Rating

Review Sources

Google
5.0 (23)
Yelp
3.5 (8)
Facebook
5.0 (4)

Why choose this provider?

Credit Repair King has been serving clients in Norwalk since 2015. The company caters to individuals, entrepreneurs, investors, and business owners looking to obtain higher FICO scores. Its specialists have experience removing unwanted items on clients' reports, challenging errors, and sending dispute letters to credit bureaus. These items include charge-offs, bankruptcies, collections, and judgments. They also offer monthly credit score reviews and analyses. The company has partnered with bank institutions, financial services professionals, loan officers, and real estate agents.

  • Credit Monitoring

3070 West Lincoln Ave, Suite M, Anaheim, CA 92801

Expertise.com Rating

Review Sources

Yelp
5.0 (51)
Google
3.0 (2)

Why choose this provider?

Brighter Future Credit Consulting, Inc., has offices in Norwalk and Anaheim. It helps clients in those metros improve their credit scores by first analyzing their credit reports, providing them with a list of items that are lowering their scores, and informing them of what can be done to improve the scores. The firm also educates clients on keeping credit in excellent standing to avoid having the same issue again. The firm's staff has more than 25 years of experience in the industry.

  • Debt Consolidation

7340 Firestone Blvd. Suite 222, Downey, CA 90241

Expertise.com Rating

Review Sources

Yelp
3.5 (51)
Google
3.4 (34)
Facebook
4.8 (24)

Why choose this provider?

Credit Repair Clubs caters to customers in the Norwalk metro and the surrounding communities. It helps clients rebuild their credit scores by offering credit repair and improvement solutions. It also assists with negotiating debts, preparing eviction and garnishment paperwork, and restoring and protecting stolen identities. In addition, it works on bankruptcy and trade lines. Credit Repair Clubs brings more than 15 years of experience in the industry. Its team comprises members who can offer services in Spanish.

  • Credit Monitoring

Los Angeles, CA

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Why choose this provider?

Credit Repair Managers addresses the needs of clients in the Norwalk area. The company offers credit repair services by challenging report issues with credit bureaus, such as Equifax, TransUnion, and Experian. Its specialists aim to remove unverifiable items on the report, including collections, tax liens, late payments, bankruptcies, repossessions, and foreclosures. These solutions boost the client's credit score and secure funding for business owners. The company also has a mobile application that allows clients to monitor their progress and results.

  • Credit Dispute

22519 Hawthorne Blvd, Torrance, CA 90505

Expertise.com Rating

Review Sources

Google
4.9 (86)

Why choose this provider?

Tier One Credit helps Norwalk residents rebuild their credit. It works with creditors and reporting agencies to remove negative items from reports such as charge-offs, collections, judgments, late payments, repossessions, and tax liens. Since 2004, it has helped people avail of home, auto, and mortgage refinancing opportunities by improving their credit scores. The company assigns a financial advisor and lawyer to assist clients in the process. Co-founder Shiva G. Bhaskar is the principal attorney of the consumer rights legal firm Gopal Law Group.

  • Debt Consolidation
  • Credit Audit

41880 Kalmia Street Suite 145, Norwalk, CA 92562

Expertise.com Rating

Review Sources

Google
5.0 (95)
Yelp
4.3 (93)
Facebook
5.0 (63)

Why choose this provider?

Dedicated Credit Repair is an OCCAM-certified firm that serves consumers in Norwalk. The firm performs credit report remediation solutions such as incorrect and unverifiable item removal, real-time report updating, and coaching and consultation. Its professionals guide clients in every step of the credit rebuilding process, starting from assessment and strategy development to implementation of disputing methods and progress monitoring. Dedicated Credit Repair is a family-owned business that has been serving the community for over 16 years.

  • Credit Dispute
  • Debt Consolidation

4345 E Lowell St, Ontario, CA 91761

Expertise.com Rating

Why choose this provider?

Nice Credit Repair offers personalized counseling solutions to residents of Norwalk and its surrounding communities. The firm's attorney and credit counselors contend with collection agencies, creditors, and credit bureaus to correct or remove unwanted information from clients' credit reports, resulting in better credit scores and providing clients access to better rates and opportunities. Clients may also receive direct correspondence from credit bureaus with matters related to the disputes. The company provides a credit management system to help clients keep track of their progress.

  • Credit Monitoring
  • Credit Dispute

12237 Wilshire Blvd, Los Angeles, CA 90025

Expertise.com Rating

Review Sources

Yelp
4.0 (50)
Facebook
4.5 (37)

Why choose this provider?

American Credit is a veteran-owned and locally operated company that serves the residents of Norwalk and the surrounding areas. It provides credit repair services, which include managing disputes and issues such as charge-offs, bankruptcies, repossessions, foreclosures, and tax liens. It also helps clients improve their financial situations through developing customized credit management plans. American Credit has been in operation for over a decade. The company works with loan officers, lenders, banks, brokers, and mortgage offices.

  • Credit Audit

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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