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Best Credit Repair Companies in Rancho Cucamonga

Our Recommended Top 6

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 Rancho Cucamonga 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.



6Top Picks

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featured provider = Featured Provider

Rancho Cucamonga, CA Rating

Review Sources

4.8 (10624)
2.2 (30)

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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


Rancho Cucamonga, CA
Free Credit Report Consultation 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

3400 Inland Empire Boulevard, Ontario, CA 91764 Rating

Review Sources

5.0 (11)

Why choose this provider?

Absolute Credit Solutions is a company servicing Rancho Cucamonga. It conducts consultations for assistance in credit repair processes which includes client education on how to repair their credit. Its team detects a wide range of items on the credit history including foreclosures, charge-offs, collections, bankruptcies, and late payments. Clients have praised the company for helping rebuild their credits from scratch and conducting a monthly assessment of the progress. A variety of informative photos and videos are available on its social media pages.

  • Credit Monitoring

9327 Fairway View Place, Rancho Cucamonga, CA 91730 Rating

Review Sources

5.0 (33)
4.9 (23)
5.0 (19)

Why choose this provider?

MBM Credit Solutions Inc. is a credit repair company serving clients in Rancho Cucamonga and nearby areas. It offers a wide range of services, including consultations, credit analysis and recommendations, customized dispute letters, and live status updates. It engages with credit bureaus to challenge the clients' negative report items. MBM Credit Solutions works with attorneys, auto dealers, and mortgage and real estate professionals through its partner program, allowing them to track the client's progress.

  • Credit Dispute

1400 East Cooley Drive, Colton, CA 92324 Rating

Why choose this provider?

My Credit Focus is a credit repair company serving individuals in Rancho Cucamonga and the nearby communities. Its services are inclusive of attorney-conducted credit examinations, one-on-one care credit planning, and a credit management system. Additionally, it has a team of credit restoration specialists and lawyers who employ aggressive credit repair strategies to ensure that hindrances and errors are removed from the clients' records. The company's mission is to help clients achieve indisputable credit merit and maximize their purchasing power.

  • Credit Audit
  • Credit Dispute

577 North D Street, San Bernardino, CA 92401 Rating

Review Sources

5.0 (2)

Why choose this provider?

Credit-Repair helps individuals and businesses in Rancho Cucamonga and its neighboring communities repair bad credit. It follows an attorney-based process where credit attorneys conduct one-on-one consultations with clients and investigate their credit histories for any inaccurate or unverifiable accounts. It handles disputes on behalf of its clients and procures a credit plan to help them improve their credit profiles. Its team of attorneys also provides credit counseling, educating its clients on the legalities and practicalities of repairing their credit scores.

  • Credit Dispute
  • Credit Audit


  • 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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