Best Credit Repair Companies in Tustin

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Credit Repair King logo

Credit Repair King

9039 Bolsa Ave STE 303, Westminster, CA 92683
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  • Credit Dispute

Credit Repair King addresses the needs of individuals in Tustin. It has been in the industry since 2015, serving business owners, entrepreneurs, investors, and individuals looking to obtain higher FICO scores. The company aims to remove questionable items on the customer's credit reports by challenging these errors and sending dispute letters to credit bureaus. These items cover judgments, collections, bankruptcies, and charge-offs. The company also works with real estate agents, loan officers, financial services professionals, and bank institutions.

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Credtique logo

Credtique

220 Newport Center Dr., Newport Beach, CA 92660
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  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Credtique caters to clients in the Tustin metro and the neighboring areas. It offers credit repair and rehabilitation services, which involve analyses, in-depth consulting, and recommendations. It works with creditors and credit bureaus to challenge and remove negative and inaccurate items affecting clients' scores. Credtique utilizes technology to provide clients with 24/7 access to their accounts. Its team has more than 25 years of experience in mortgage, business, and consumer credit. It also caters to Spanish-speaking clients.

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Making Lives Better Credit Solutions​ logo

Making Lives Better Credit Solutions​

17671 Cowan, Irvine, CA 92614
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  • Credit Audit

Making Lives Better Credit Solutions helps its clients in Tustin and the surrounding areas take back control of their finances. Its team of case analysts and advisors assists clients throughout the credit repair process, from conducting in-depth report analysis and preparing the documentation to filing disputes with the credit bureaus and creditors. They work on the removal of negative report items to help clients improve their credit scores and qualify for loans, mortgages, and car purchases.

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OC Credit & Business Builders logo

OC Credit & Business Builders

14032 Enderle Center Dr # 220, Tustin, CA 92780
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  • Debt Consolidation
  • Credit Monitoring

OC Credit & Business Builders works with individuals and commercial ventures in Tustin who need their credit ratings improved. The firm examines clients' records following the initial appointment and sifts through the details for inaccurate entries. It also employs experts who handle income tax concerns and prepare the necessary documents and forms during payment season. The company was founded in 2016 by Erika Garcia, who grew it from a work-from-home venture into an establishment that has fixed over 1,500 credit scores.

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The Credit Repair Pros logo

The Credit Repair Pros

Tustin, CA
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  • Credit Audit
  • Credit Dispute

The Credit Repair Pros provides services to customers in the Tustin area. It helps clients fix their credit scores to qualify for loans, buy houses, apply for jobs, reduce deposits on utilities, or start businesses. Its team examines each customer's credit report and investigates negative items such as bankruptcy, charge-offs, and tax liens. The company helps clients remove inaccurate marks from their reports by sending dispute letters to credit bureaus. It also sends cease and desist letters to debt collectors.

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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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