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Best Credit Repair Companies in Sacramento, CA

Our Recommended Top 9

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 Sacramento 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.



9Top Picks

Learn about our selection process.


featured provider = Featured Provider

Sacramento, CA Rating

Why choose this provider?

Credit Saint offers to repair or aid in rebuilding credit for clients in Sacramento. With more than a decade of expertise, the company provides a credit monitoring service to clients as it evaluates their credit history for inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, repossessions, and foreclosures that the company challenges or negotiates. Credit Saint also counsels clients on the impact of credit scores on their financial activities, and how to utilize a positive report.

  • Credit Restoration
  • Money Back Guarantee
  • Credit building
  • Credit Audit
  • Credit Repair

Sacramento, CA Rating

Why choose this provider?

Need help contacting a Credit Repair Company in Sacramento? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

1120 Foxhall Way, Sacramento, CA 95831 Rating

Review Sources

5.0 (13)
5.0 (2)

Why choose this provider?

Credit Boss Financial Services LLC is a full-service credit repair company that assists clients in the Sacramento area. The company reviews clients' credit histories and reports and works on their behalf to mitigate the negative items from the three major credit bureaus. Clients can track credit scores and improvements through an online portal, and the credit professionals also offer education on how to maintain and improve credit scores for future financial planning.

4101 Power Inn Rd #B, Sacramento, CA 95826 Rating

Review Sources

4.5 (17)
5.0 (6)

Why choose this provider?

Freeman Financial Services assists clients in Sacramento and its neighboring communities to restore good credit scores. Through consulting with the clients, its agents assess the credit reports to spot erroneous items. They raise disputes with credit bureaus to correct the items by sending them letters and documents. Clients are given round-the-clock live status updates to track the improvement of their scores and reports. The agents also provide information on how to maximize and maintain credit score after it has been restored.

  • Credit Monitoring

311 Judah Street Suite 200, Roseville, CA 95678 Rating

Review Sources

4.5 (125)

Why choose this provider?

Blue Water Credit is a full-scale credit counseling and debt negotiation service company that offers credit repair solutions nationally. Its credit repair services involve a comprehensive analysis of credit standings and the disputing of inaccurate and erroneous information that causes poor credit scores. The case managers file credit disputes with all three major credit reporting bureaus, and they create debt management plans while rehabilitating credit scores. Blue Water Credit's debt negotiation services assist with charge-offs, collections, judgments, and liens.

Sacramento, CA Rating

Review Sources

5.0 (12)

Why choose this provider?

Poser Tubes Credit Repair provides professional credit repair services for consumers who are looking for ways to improve their credit scores. The agency provides remote services to consumers throughout the country. Its trained credit counselors review credit reports with clients to identify inaccurate, misleading, or outdated data. Poser Tubes Credit Repair takes steps to dispute these errors to have them effectively removed from the clients' credit reports. Customers can monitor their progress and find next-step recommendations with the convenient client portal. The agency offers a pay-for-performance payment plan, which only requires clients to pay for services once the agency successfully removes negative credit report information.

333 University Ave Ste 200, Sacramento, CA 95825 Rating

Review Sources

5.0 (2)

Why choose this provider?

Sacramento Credit Repair has provided credit repair services in Sacramento since 2008. The company works with the credit bureaus and creditors to remove inaccurate, outdated, or unverifiable information that negatively impacts credit scores. It offers credit report reviews and financial advice, and it also assists with short sales, foreclosures, and settling debts. The firm's credit experts also handle late payments, collections, charge-offs, liens, and student loans. They evaluate account payment history on various accounts, such as retail accounts, credit cards, installment loans, finance company accounts, and mortgages. Additionally, Sacramento Credit Repair provides credit education to help clients improve their credit scores.

1020 12th Street, Sacramento, CA 95814 Rating

Review Sources

4.9 (11)
5.0 (5)

Why choose this provider?

Located in Sacramento, Zorro Credit provides assistance to people in need of credit repair. Founded in 2004, the company has helped over 14,000 clients improve their credit. It offers services such as removal of collections, charge-offs, late payments, bankruptcies, and foreclosures. Judgments and repossessions can also be removed. A team of highly trained lawyers can dispute thousands of items daily on clients' records. Zorro Credit's goal is quickly fixing credit scores, and it offers a free initial consultation.

2805 Marconi Avenue, Sacramento, CA 95821
Website Rating

Review Sources

4.4 (360)
5.0 (3)

Why choose this provider?

The Credit Repair is a company of credit repair consultants that services Sacramento and other cities. It assists individuals who want to fix their credit reports by connecting them to the best credit repair company in their area. Its team of consultants also acquires credit repair quotes to help clients decide which credit repair company they should choose. The company can identify the best credit repair companies that can recover credit reports, negotiate with lenders, talk to credit bureaus and creditors, and improve its clients' FICO standings on their behalf.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Free Credit Evaluation
Credit Boss Financial Services LLC
1120 Foxhall Way, Sacramento, CA 95831
Freeman Financial Services
4101 Power Inn Rd #B, Sacramento, CA 95826
Blue Water Credit
311 Judah Street Suite 200, Roseville, CA 95678
Poser Tubes Credit Repair
Sacramento Credit Repair
333 University Ave Ste 200, Sacramento, CA 95825
Zorro Credit
1020 12th Street, Sacramento, CA 95814
The Credit Repair
2805 Marconi Avenue, Sacramento, CA 95821


  • 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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