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Best Credit Repair Companies in Bakersfield, CA

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Bakersfield Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



7Top Picks

Learn about our selection process.


featured provider = Featured Provider

Bakersfield, CA Rating

Review Sources

4.8 (10602)
2.2 (30)

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Repair
  • Credit Audit
Lexington Law logo


Bakersfield, CA
Free Credit Report Consultation Rating

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.

  • Consumer Credit Services
  • Credit Repair

4646 Wilson Road, Bakersfield, CA 93309 Rating

Review Sources

5.0 (5)
3.0 (3)

Why choose this provider?

Maximum Fico Score is a credit repair firm helping clients in Bakersfield improve their credit scores. It provides a three-step credit repair process that includes challenging negative items, filing disputes with creditors, and monitoring and addressing additional issues. The firm can help remove negative items from credit reports such as out-of-date additions, collections, judgments, late payments, foreclosures, and bankruptcies. Maximum Fico Score clients are provided with a personal case analyst, credit education, as well as access to updates through a secure client portal.

  • Credit Monitoring
  • Credit Dispute

509 Southgate Dr, Bakersfield, CA 93307 Rating

Review Sources

5.0 (18)

Why choose this provider?

The Credit Repair Pros helps individuals in Bakersfield and the surrounding areas get back on track financially. Its credit repair specialists assist clients who want to improve their credit scores to buy a house, get a loan, or finance any purchase by communicating with the three major credit bureaus and secondary companies. After analyzing credit reports, they file disputes to the relevant authorities for the removal of negative entries like tax liens, bankruptcy, and charge-offs from the clients' credit reports.

  • Credit Audit

1523 Panama Lane, Bakersfield, CA 93307 Rating

Review Sources

4.0 (49)

Why choose this provider?

Alliance Credit Repair offers its services to individuals and couples in the Bakersfield area. It assists clients in removing negative marks on their credit reports that have resulted from late payments, evictions, credit card collections, repossessions, tax liens, and unpaid medical bills. Other related issues the company handles include bankruptcy, utility collection, and hard inquiries. The company's credit repair specialists create strategies to help clients resolve their issues. Alliance Credit Repair has been in the business since 2009.

  • Debt Consolidation

7440 Meany Avenue, Bakersfield, CA 93308 Rating

Review Sources

5.0 (14)
5.0 (7)

Why choose this provider?

Kern County Credit Consultants has been rebuilding credit scores for more than 27 years. The firm is headquartered in Bakersfield and serves consumers and small businesses nationwide. Its professional credit consultants guide clients in the process of cleaning up the negative items on their credit reports. They also help business owners establish a credit file that is separate from their personal credit. In addition, these consultants educate clients on credit and debt management to avoid further issues with their finances.

  • Debt Consolidation

700 H Street, Bakersfield, CA 93304 Rating

Review Sources

4.0 (60)
4.0 (48)

Why choose this provider?

Innovative Credit Solutions is a credit counseling service provider that serves clients in Bakersfield. It specializes in improving clients' credit records by analyzing their cases and discussing debt management options that suit their needs. To deal with credit bureaus, the organization draws on its experience, knowledge, industry relationships, and individualized approach to credit score improvement. The owner, Richard David, leads an organization that has more than 20 years of experience in debt collection and credit counseling.

  • Debt Consolidation
  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Bakersfield, CAFree Credit Evaluation
Lexington Law
Bakersfield, CAFree Credit Report Consultation
Maximum Fico Score
4646 Wilson Road, Bakersfield, CA 93309
The Credit Repair Pros
509 Southgate Dr, Bakersfield, CA 93307
Alliance Credit Repair
1523 Panama Lane, Bakersfield, CA 93307
Kern County Credit Consultants
7440 Meany Avenue, Bakersfield, CA 93308
Innovative Credit Solutions
700 H Street, Bakersfield, CA 93304


  • 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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