Best Credit Repair Companies in Oceanside

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Credit Saint logo
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Free credit evaluation

Credit Saint

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

Price: Free credit evaluation

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Credit Saint

Baby Boomers Financial logo
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Baby Boomers Financial

402 West Broadway, San Diego, CA 92101
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  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Business Description

Baby Boomers Financial is a credit repair company serving Oceanside. It takes care of credit restoration, disputes, and debt settlements on behalf of clients. It handles late payments, charge-offs, bankruptcies, liens, repossessions, and foreclosures. Mel Zadeghi, the CEO, built the company after recovering from a mortgage crisis. With 15 years of experience himself, Mel leads a team with over 50 years of collective experience in the industry. Baby Boomers Financial also serves Spanish-speaking customers.

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 (19)
Yelp
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
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Baby Boomers Financial

Credit Diva logo
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Credit Diva

888 Prospect Street, San Diego, CA 92037
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  • Credit Monitoring

Business Description

With over 17 years of experience, Credit Diva provides support to Oceanside clients in raising their credit standing. The agency helps consumers repair their credit records by cleaning up negative items, such as collections, charge-offs, repossessions, tax liens, student loans, and evictions. It deals with credit bureaus on the client's behalf to ensure that inaccurate claims are removed from the credit report. The company's professionals also lend their expertise on credit scoring through educational events, such as luncheons and webinars.

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 (27)
Google
4.0 / 5 (5)

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
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Credit Diva

Credit Repair logo
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Credit Repair

2206 Palomar Airport Rd, Oceanside, CA
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  • Debt Consolidation
  • Credit Monitoring

Business Description

Credit Repair's team of professionals aims to provide Oceanside residents with comprehensive credit restoration services. The company challenges obsolete, inaccurate, and unverified information that may negatively impact clients' credit scores. By doing so, the company is able to eliminate credit report mistakes that may prevent its clients from getting approved for personal loans, car purchases, mortgages, or new leases. Additionally, Credit Repair helps clients get approved for lower interest rates on refinancing and credit cards.

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
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Credit Repair

Elevate Credit Solutions logo
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Elevate Credit Solutions

2003 South El Camino Real, Oceanside, CA 92054
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  • Credit Monitoring
  • Credit Audit

Business Description

Elevate Credit Solutions offers credit counseling services to residents of Oceanside and its surrounding communities. It is a financial consulting and credit restoration company that assists clients in restoring their credit ratings by identifying unverifiable information in clients' credit histories. Its agents legally dispute these negative records with credit bureaus and educate clients on the basics of credit so they can be more empowered to maintain their good credit standing. The agency is also affiliated with Credit Consultants Association.

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)
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Elevate Credit Solutions

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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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