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Best Credit Repair Companies in San Marcos

Our Recommended Top 7

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 San Marcos 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.



7Top Picks

Learn about our selection process.


featured provider = Featured Provider

San Marcos, CA Rating

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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 Audit
  • Credit Repair
  • Credit Restoration
  • Money Back Guarantee
  • Credit building
Lexington Law logo


San Marcos, 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.

  • Consumer Credit Services
  • Credit Repair

6811 Alvarado Rd Unit 20, San Diego, CA 92120 Rating

Review Sources

4.3 (28)
4.6 (21)

Why choose this provider?

Decade Financial Solutions serves individuals and businesses in San Marcos and the neighboring communities. The company provides business credit solutions, identity protection, credit consulting, monitoring, and protection, and credit monitoring, monitoring, and protection. It also aids in the removal of negative items such as late payments, tax liens, charge-offs, civil judgments, and debt settlement from credit reports. Debt consolidation services are also available. Decade Financial Solutions has over 18 years of experience and has resolved over 3,000 issues since its inception.

  • Debt Consolidation

5927 Balfour Court, Suite 202, Carlsbad, CA 92008 Rating

Review Sources

5.0 (10)

Why choose this provider?

The Larkin Law Firm caters to clients in San Marcos. The company provides credit repair services that can assist individuals and businesses in achieving debt relief. The firm's founder and principal attorney, Jeffrey Larkin, thoroughly examines his clients' credit reports and removes any negative information such as collection accounts, bankruptcies, tax liens, and judgments. He also litigates Chapter 7 and Chapter 13 bankruptcy filings. Larkin has over 17 years of bankruptcy and consumer debt relief experience.

  • Credit Audit
  • Debt Consolidation
  • Credit Monitoring

16776 Bernardo Center Drive Suite 212, San Diego, CA 92128 Rating

Why choose this provider?

Dispute Resolutions, Inc., is a San Diego-based company that caters to individuals and businesses in the San Marcos metro and the surrounding communities. It helps clients improve their credit scores by offering credit repair solutions. It works directly with creditors and collectors to challenge incorrect and unverifiable items found on the customers' credit reports. The firm also provides budgeting, credit counseling, and settlement negotiation services. Dispute Resolutions brings 35 years of experience in the industry.

  • Credit Audit

12707 High Bluff Dr #200, San Diego, CA 92130 Rating

Review Sources

4.5 (40)
5.0 (35)

Why choose this provider?

Ipsan West is a credit repair company catering to clients in San Marcos and the nearby communities. It guides individuals and business owners in recovering their credit scores to help them achieve their financial goals. The company also offers credit report analysis and debt arbitration processes. Its founder, Bill Ipsan, started in the credit repair business after fixing his credit score to buy a home. He also helps clients restore their credit scores after divorce to help them get through their household debts.

  • Credit Monitoring

25185 Madison Ave, Suite A, Murrieta, CA 92584 Rating

Why choose this provider?

Debt Free League renders credit repair and score improvement services to individuals and small enterprises in San Marcos and the surrounding communities. To help clients secure favorable loan options and reduced interest rates, it reviews their credit reports and challenges any negative information, such as bankruptcies, collection accounts, hard inquiries, judgments, late payments, and tax liens. The agency also assists in consolidating, settling, and validating debts or declaring bankruptcy. Debt Free League has been in business since 2006.

  • Debt Consolidation


  • 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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