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Best Credit Repair Companies in Sacramento

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Blue Water Credit logo

Blue Water Credit

311 Judah Street Suite 200, Roseville, CA 95678
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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.

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Credit Boss Financial Services LLC logo

Credit Boss Financial Services LLC

1120 Foxhall Way, Sacramento, CA 95831
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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.

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CreditWix Credit Restoration logo

CreditWix Credit Restoration

500 Capitol Mall, Sacramento, CA 95814
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CreditWix Credit Restoration helps clients in and around Sacramento improve and evaluate their credit scores. This company provides clients with assistance by submitting custom dispute letters on the clients' behalf, as well as providing personalized dispute options for credit repairs. The company also helps remove derogatory accounts from credit reports such as bankruptcies, repossessions, and garnishments. The company's vision is to educate clients on credit management and achieve their financial goals.

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Freeman Financial Services logo

Freeman Financial Services

4101 Power Inn Rd #B, Sacramento, CA 95826
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  • Credit Monitoring

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.

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Poser Tubes Credit Repair logo

Poser Tubes Credit Repair

Sacramento, CA
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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.

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Sacramento Credit Repair logo

Sacramento Credit Repair

333 University Ave Ste 200, Sacramento, CA 95825
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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.

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The Credit Repair logo

The Credit Repair

2805 Marconi Avenue, Sacramento, CA 95821
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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.

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Zorro Credit logo

Zorro Credit

1020 12th Street, Sacramento, CA 95814
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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.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: 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.

Q: Is credit repair legal?

A: 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.

Q: Can a credit repair company remove late payments?

A: 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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