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2024

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Best Credit Repair Companies in Chino Hills, CA

Our Recommended Top 4

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 Chino Hills 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.

58Reviewed

36Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Chino Hills, CA

Expertise.com Rating

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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 Audit
  • Credit building
  • Credit Repair
  • Credit Restoration
Lexington Law logo

Lexington LawExpertise.com

Chino Hills, CA
Free Credit Report Consultation

Expertise.com Rating

Review Sources

Facebook
4.3 (2911)

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

3410 La Sierra Ave. Ste. F474, Riverside, CA 92503

Expertise.com Rating

Review Sources

Facebook
5.0 (47)
Google
5.0 (20)

Why choose this provider?

Kredit MD is a company that serves Chino Hills. It offers a variety of credit repair solutions tailored to different needs, whether for the purpose of applying for loans or making major purchases. It performs full report audits to identify negative items and disputes inaccurate information with bureaus to help clients achieve better scores. The company also assists in adding positive information like new installment loans and rent to rebuild credit. Kredit MD was founded in 2017.

  • Debt Consolidation

30498 White Fir Dr, Menifee, CA 92584

Expertise.com Rating

Review Sources

Google
5.0 (10)
Facebook
5.0 (3)

Why choose this provider?

Frontier Credit Repair is a company that serves Chino Hills. It guides consumers throughout the credit repair process and handles the documentation for the agencies. It performs report analyses to identify negative items such as bankruptcies, collections, delinquencies, and inquiries; submits dispute letters on behalf of clients; and allows them to keep track of their case status 24/7. A previous client commended its specialist, Derrick, for helping him purchase a new car by increasing his credit score to over 730.

  • Debt Consolidation
  • Credit Monitoring
  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Chino Hills, CAFree Credit Evaluation
Lexington Law
Chino Hills, CAFree Credit Report Consultation
Kredit MD
3410 La Sierra Ave. Ste. F474, Riverside, CA 92503
Frontier Credit Repair
30498 White Fir Dr, Menifee, CA 92584

FAQs

  • 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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