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Best Credit Repair Companies in Stockton

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Credit Saint logo
FEATURED
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Free Credit Evaluation

Credit Saint

Stockton, CA
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  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Business Description

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (6432)
Yelp
2.5 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Credit Evaluation

Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

Stockton, CA
  • Credit Repair
  • Consumer Credit Services

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.2 / 5 (557)

Price: Free Credit Report Consultation

Accurate Credit Repair Service logo
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Accurate Credit Repair Service

Tracy, CA 95376
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Business Description

Accurate Credit Repair Service helps clients in Stockton obtain competitive interest rates and reduce finance charges on credit card balances. It disputes negative payment history items such as delinquencies, collection accounts, and state and federal tax liens. The company also provides document processing services and credit education about creditor and credit bureau techniques and regulations. A partnership program is also available for industries that depend on clients with good credit, including real estate, legal, and automotive.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Credit Advisors Council-Credit Repair Stockton logo
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Credit Advisors Council-Credit Repair Stockton

1407 West Fremont Street, Stockton, CA 95203
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  • Debt Consolidation
  • Credit Monitoring
  • Credit Dispute

Business Description

Credit Advisors Council-Credit Repair Stockton is a credit repair company that serves first-time and seasoned clients in the city. It offers to counsel cardholders about their credit scores and find any unverified expenses in their financial records. The company can file to delete disputed expenses like outstanding debts, student loans, and identity theft expenses. Additionally, it can examine each credit score to help clients file for mortgage and auto loans. The company is also affiliated with Prodigy, a local financial and entrepreneur counseling business.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Freeman Financial Services logo
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Freeman Financial Services

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

Business Description

Freeman Financial Services offers credit repair solutions to debtors living in Stockton. The firm seeks to improve the ratings of its clients across the Equifax, TransUnion, and Experian bureaus. It looks up the previous derogatory records on an individual's history and challenges inaccurate entries. The team also educates its clients on practical methods for maintaining favorable scores in the future. Freeman is experienced with the issues surrounding business and consumer mortgage credits. Its website contains infographics to teach the basics of credit scoring.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
4.6 / 5 (10)
Google
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jones Financial Credit Repair logo
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Jones Financial Credit Repair

1400 Mitchell Road, Modesto, CA 95351
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  • Credit Dispute

Business Description

Jones Financial Credit Repair is a firm that restores and improves the credit scores of consumers in Stockton. It offers various services to help clients achieve their life goals, such as rebuilding credit, continuous education for raising scores, debt settlement, and dealing with collector agencies. Jones Financial Credit Repair is a credit restoration company with experience handling collectors, creditors, and credit bureaus. Its mission is to restructure clients' lost credit and financial standing and guide them to become creditworthy.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Modesto Credit Solutions logo
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Modesto Credit Solutions

Modesto, CA 95350
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  • Credit Monitoring
  • Debt Consolidation

Business Description

Modesto Credit Solutions caters to clients in the Stockton metro and the surrounding areas. Its case analysts and advisors help individuals rebuild their credit scores by offering credit repair services. Its process includes analyzing the clients' credit profiles and writing and sending dispute letters challenging negative items, such as bankruptcies, charge-offs, closed accounts, delinquencies, inquiries, and judgments. The company's website features a client portal, allowing customers to monitor their case status and credit scores 24/7.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Credit Repair Pros logo
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The Credit Repair Pros

2901-2929 K St, Sacramento, CA 95816
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Business Description

The Credit Repair Pros' specialists help clients in Stockton improve credit scores to obtain a loan, purchase a house, and finance goods they desire. The process begins with a consultation to examine the credit score and design a strategy for improving it. Its team requests copies of reports from the three main credit agencies to check for any inaccuracies, such as bankruptcy, tax liens, and charge-offs. It files a dispute with the appropriate authorities to remove any bad items that may be lowering credit scores.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

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.

Is credit repair legal?

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.

How do you repair credit after identity theft?

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.

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