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Best Credit Repair Companies in Vista

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Credit Corner logo

Credit Corner

2571 Mast Way Suite 202, Chula Vista, CA 91914
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  • Credit Monitoring

Credit Corner caters to customers in the Vista metro and the surrounding communities. It helps clients get back their financial freedom by offering credit repair solutions. These services allow them to get easier access to auto loans, credit cards, and mortgages. The company's work process involves obtaining credit reports from the three major credit bureaus and disputing negative items, such as bankruptcies, charge-offs, and late payments. Credit Corner brings 10 years of experience in the financial industry.

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Dedicated Credit Repair logo

Dedicated Credit Repair

41880 Kalmia Street Suite 145, Murrieta, CA 92562
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  • Credit Monitoring
  • Credit Audit

Dedicated Credit Repair is a family-owned remediation company that helps Vista-based clients fix score disputes by removing incorrect, untimely, and unverifiable items from their credit reports. It challenges items that violate the Fair Debt Collections Act and Fair Credit Reporting Act. It also provides clients with monthly updates. The company, which has been in operation for over 16 years, has received certification from the Organization of Compliant Credit Account Managers. It was also featured on ESPN's Real Estate Radio Hour program.

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Dispute Resolutions, Inc. logo

Dispute Resolutions, Inc.

16776 Bernardo Center Drive Suite 212, San Diego, CA 92128
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  • Credit Monitoring
  • Credit Dispute

Dispute Resolutions, Inc., offers credit repair services for individuals and businesses throughout Vista and the surrounding metros. The company brings 35 years of experience managing credit and collection problems in Southern California, helping clients negotiate wrongful, erroneous, or obsolete listings such as bank debts, public records, student loans, and collection records. It also facilitates the correction of inaccurate credit reports with creditor validation of errors. Additional services include settlement negotiations, credit counseling, and budgeting to improve clients' credit records, histories, and ratings.

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Elevate Credit Solutions logo

Elevate Credit Solutions

2003 S. El Camino Real, STE 220, Oceanside, CA 92054
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  • Credit Dispute

Elevate Credit Solutions, a certified credit consultant association, caters to the residents of Vista and the surrounding areas. It helps individuals obtain their financial goals and improve their credit profiles by providing credit repair services. Its team members remove negative items such as collections, judgments​, bankruptcies​, foreclosures, late payments​, and charge-offs. Since its founding, the firm has repaired more than 1,600 items on credit reports. Elevate Credit Solutions allows its clients to access their accounts 24/7.

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Golden Financial Services logo

Golden Financial Services

600 Palm Ave, Imperial Beach, CA 91932
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  • Debt Consolidation

Founded in 2004, Golden Financial Services serves Vista residents. The business provides credit repair solutions to help people improve their financial situations and disputes inaccurate information in reports with bureaus and creditors. It also assists clients in choosing the appropriate credit card relief programs based on their circumstances, which include debt validation, settlement, debt consolidation, chapter 13 bankruptcy, and consumer credit counseling. The company’s CEO, Paul Paquin, has written financial and debt-related articles in blogs, including Boston.com.

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Kredit Rehab logo

Kredit Rehab

31997 Sugarbush Ln, Lake Elsinore, CA 92532
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  • Credit Audit

Kredit Rehab is a full-service credit repair company that aims to help clients in and around Vista improve their financial status. It employs a team of credit restoration counselors who provide comprehensive consultation and legally dispute unverifiable or inaccurate information in customers' credit histories. They also offer ongoing education to teach clients how to build and maintain their improved credit scores. Likewise, the company maintains an online portal where clients can track their credit score's progress 24/7.

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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 is a Murrieta-based company that caters to customers in the Vista metro and the surrounding communities. It offers credit repair services, helping individuals restore their credit, get them back on financial track, and lower their interest rates on their future purchases. It analyzes the clients' credit reports and challenges negative items, such as charge-offs, collections, judgments, and tax liens. The company also provides debt settlement solutions. Sobak Financial brings more than 15 years of experience in the industry.

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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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