Expertise.com

Best Credit Repair Companies in Ventura

2024

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Providers

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

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

Ventura, 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)
Google
4.1 / 5 (91)

Price: Free Credit Report Consultation

Website
14429 Ventura Blvd Suite 111, Sherman Oaks, CA 91423
  • Credit Monitoring

Why choose this provider?

Second Chance Credit Restoration serves clients in Ventura and nearby areas. It offers a wide range of services, from consultation and in-depth analysis to credit assessments. It communicates with credit bureaus to challenge negative report items and prepare the required documents. Some of the firm's clientele include mortgage and real estate professionals, attorneys, and auto dealers. It has a web portal where clients can monitor the progress of their files.

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
Yelp
5.0 / 5 (8)
Facebook
5.0 / 5 (6)
Google
5.0 / 5 (3)

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
300 E. Canon Perdido St. Suite B2, Santa Barbara, CA 93101
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

Driven Credit Solutions serves individuals and businesses in Ventura and the surrounding communities. The company analyzes the clients' detailed credit reports and looks for negative items like collections, tax liens, late payments, and repossessions. It also sends letters with goodwill intervention, validation requests, appeals, and disputes to the clients' creditors and major credit reporting agencies such as Experian, Equifax, and TransUnion. Driven Credit Solutions works with third parties in order to monitor the clients' credit restoration process.

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 (12)

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
22143 Cantlay Street, Canoga Park, CA 91303
  • Credit Audit

Why choose this provider?

Apex Credit has been serving individuals and commercial clients in Ventura and nearby areas since 2004. It offers credit repair solutions to help improve FICO scores within 30-45 days. It assists in updating personal history with credit agencies and helps remove derogatory accounts with three major credit agencies, Equifax, Experian, and Trans Union. The company also handles the negotiation for any outstanding debts on behalf of the client. Apex Credit educates people about long-term credit management strategies.

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
Facebook
5.0 / 5 (339)
Yelp
4.5 / 5 (14)
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

Website
22801 Ventura Blvd, Ste 116, Woodland Hills, CA 91364
  • Credit Dispute

Why choose this provider?

Optima Credit provides its services to individuals and businesses in Ventura and the surrounding areas. The company offers lifetime credit score improvement by removing negative items from the client's credit report and repairing their credit history. It also performs a thorough examination of credit reports. Dan Glez, a credit repair and sales specialist, has been assisting clients in repairing personal and business credit for over five years. He uses his background in data management and real estate in serving his clients.

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 (3)

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
Ventura, CA
  • Credit Monitoring

Why choose this provider?

Optimal Debt Solutions is a full-service credit and debt management company that serves the residents of Ventura and the surrounding areas. It provides credit management services, which include credit counseling and debt relief solutions. It helps clients negotiate and lower debts from department store cards, medical bills, payday loans, repossessions, and unsecured loans. Optimal Debt Solutions has been in operation for over a decade. The company has more than 200 debt specialists on its staff.

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

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
12237 Wilshire Blvd., Los Angeles, CA 90025
  • Credit Dispute

Why choose this provider?

American Credit is a veteran-owned and veteran-operated firm that has been helping Ventura residents with their credit repair needs for the past 14 years. Whether a client is trying to qualify for a home loan or needs a clean credit report for employment, the firm's credit specialists work with the three major credit bureaus to dispute the negative items on the credit reports. These negative items include late payments, charge-offs, tax liens, repossessions, and foreclosures.

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
Yelp
4.0 / 5 (54)
Facebook
4.5 / 5 (38)
Google
3.9 / 5 (13)

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.

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