Best Credit Repair Companies in San Bernardino

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ASAP Credit Repair logo

ASAP Credit Repair

6216 Brockton Avenue, Riverside, CA 92506
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  • Credit Dispute

ASAP Credit Repair provides solutions to improve the credit scores of its clients in San Bernardino. It uses a simplified three-step credit repair process to remove negative records that affect the credit scores of its clients. These include late payments, bankruptcies, charge-offs, and collection inquiries. ASAP Credit Repair also works with credit bureaus to correct inaccuracies in their clients' credit records. It has served more than 100,000 clients to date.

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Credit-Repair logo

Credit-Repair

577 North D Street, San Bernardino, CA 92401
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  • Credit Audit

Credit-Repair is a company that provides assistance to clients in San Bernardino looking for higher credit scores to get home or auto mortgage approval or better loan interest rates. With the help of credit attorneys, the team also offers counseling services to clients who have undergone financial hardships, giving advice about legal and ethical credit rebuilding. One client has commended the Credit-Repair team for being honest and upfront in helping him improve his credit score.

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Elite Financial logo

Elite Financial

34282 Yucaipa Boulevard, Yucaipa, CA 92399
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  • Credit Monitoring

Operating since 1999, Elite Financial works with clients in Yucaipa and the nearby areas, including San Bernardino. The company reviews clients' credit reports to find errors and inaccurate reports. Its team of professionals also assists them in writing letters to major credit bureaus disputing these errors. In addition, they help clients establish new lines of credit. Co-founder and senior credit analyst Cesar Marrufo has been working in the credit repair industry since 2001.

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Fast Credit Repair logo

Fast Credit Repair

721 Nevada St ste 203-B, Redlands, CA 92373
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  • Credit Audit

Fast Credit Repair helps individuals in eliminating the negative items from their credit reports by providing repair services, which involve negotiating with credit companies and bureaus. It serves customers in Hesperia and its surrounding communities. Its tools are available for clients to track their status and score and analyze their reports. The company conducts credit examinations with attorneys on the team before allocating the case to a personal advisor to determine issues and places for improvement.

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My Credit Focus logo

My Credit Focus

1400 East Cooley Drive, Colton, CA 92324
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  • Credit Audit
  • Credit Dispute

My Credit Focus is operated by a lawyer with more than 30 years of experience in the field. The credit resolution company serves San Bernardino and the surrounding areas. For over 10 years, it has helped and assisted thousands of clients in matters like bankruptcies, charge off, tax liens, and inaccurate credit reports. Issues such as garnishment and repossession are also handled by the firm. Its lawyers take a personalized approach to every credit repair case and clients can monitor their credit progress online.

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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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