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Best Credit Repair Companies in Temecula

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Credible Solutions LLC logo

Credible Solutions LLC

​Murrieta, CA 92563
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  • Credit Monitoring

Credible Solutions LLC is a Murrieta-based credit repair agency that serves clients in and around the metro, including those in Temecula. It helps clients get better credit scores, so they can have better interest rates and save money on credit cards and car payments. It does this by providing credit analyses and challenging negative items in reports. Throughout the process, clients are assigned an experienced case analyst and advisor who will work directly with them.

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Nice Credit Repair logo

Nice Credit Repair

4345 E Lowell St, Ontario, CA 91761
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  • Credit Dispute

Nice Credit Repair is an attorney-powered credit restoration company serving residents of Temecula. Its attorneys employ the usual credit repair strategy of disputing negative items on credit reports, as well as directly battling creditors and collection agencies to remove these items and other flaws from the client's credit profile. The attorneys legally challenge charge-offs, tax liens, and bankruptcies leading to improved credit history. The company also provides clients with a credit management system, so they can keep track of updates on their credit scores.

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Sobak Financial logo

Sobak Financial

24910 Washington Ave Suite 305, Murrieta, CA 92562
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  • Debt Consolidation

Sobak Financial has been resolving credit issues for customers in Temecula and surrounding areas for over 15 years. Its experts identify obsolete and incorrect accounts in clients' reports, such as charge-offs, bankruptcies, collections, and tax liens. They handle disputes with creditors and bureaus in order to remove or update the items of concern. They also inform customers on how to improve their scores. Other services provided by the team include debt settlement, purchase, and refinance assistance.

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Strong Credit Repair logo

Strong Credit Repair

3840 Lemon Street Unit H, Riverside, CA 92501
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  • Credit Dispute

Strong Credit Repair serves Temecula residents who need to improve their ratings and obtain additional loans under favorable terms. The company examines the records of its clients and takes steps to correct any inaccurate, misleading, or incomplete entries. It sets up credit management systems to allow individuals to track their progress and see the improvements in their financial prospects. Strong Credit Repair employs licensed legal practitioners to apply statutory remedies as an adjunct to conventional options.

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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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