Best Credit Repair Companies in San Marcos

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Credit Repair Companies FAQs

Learn more
Debt Free League logo

Debt Free League

25185 Madison Ave, Suite A, Murrieta, CA 92584
Visit Website
  • Debt Consolidation

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.

Visit Website
Decade Financial Solutions logo

Decade Financial Solutions

6811 Alvarado Rd Unit 20, San Diego, CA 92120
Visit Website
  • Debt Consolidation

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.

Visit Website
Dispute Resolutions, Inc. logo

Dispute Resolutions, Inc.

16776 Bernardo Center Drive Suite 212, San Diego, CA 92128
Visit Website
  • Credit Audit

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.

Visit Website
Ipsan West logo

Ipsan West

12707 High Bluff Dr #200, San Diego, CA 92130
Visit Website
  • Credit Monitoring

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.

Visit Website
San Diego Credit Solutions logo

San Diego Credit Solutions

100 East San Marcos Blvd. Suite #400, San Marcos, CA 92108
Visit Website
  • Credit Monitoring
  • Credit Audit

San Diego Credit Solutions helps people in San Marcos increase their chances of qualifying for mortgage loans. Its process includes assessing credit reports, negotiating with creditors to settle past-due debts, updating and verifying accounts, creating strategies to remove the remaining negative information, and educating clients on how to maintain their scores. Its agent, Frank Kriticos, leverages his experience as a former mortgage banker to assist young adults and future homebuyers in improving their creditworthiness. He recently appeared on 10News as a resource speaker.

Visit Website
The Larkin Law Firm logo

The Larkin Law Firm

5927 Balfour Court, Suite 202, Carlsbad, CA 92008
Visit Website
  • Debt Consolidation
  • Credit Monitoring
  • Credit Audit

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.

Visit Website
Back to Providers

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.

Read All FAQS

Wrong city? Here are some nearby places:

Search for Credit Repair Companies near you