Expertise.com
Get Listed

Best Credit Repair Companies in Stockton

2023

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Credit Repair Companies FAQs 〉

Last updated:

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

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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

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
FEATUREDExpertise.com

Lexington Law

Website
Stockton, CA
  • Consumer Credit Services
  • Credit Repair

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.

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.
4.3
Facebook
4.3 / 5 (2911)

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 Report Consultation

Website
Modesto, CA 95350
  • Credit Monitoring
  • Debt Consolidation

Why choose this provider?

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

Website
Tracy, CA 95376

Why choose this provider?

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

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

Why choose this provider?

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.
4.5
Google
4.5 / 5 (17)

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

Website
1400 Mitchell Road, Modesto, CA 95351
  • Credit Dispute

Why choose this provider?

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

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

Why choose this provider?

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.
4.0
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

Website
2901-2929 K St, Sacramento, CA 95816

Why choose this provider?

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 top

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.

Back to top