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Best Credit Repair Companies in Clovis, CA

Our Recommended Top 5

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 Clovis 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.

71Reviewed

44Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

Lexington LawExpertise.com

Clovis, 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

3106 S. Mooney Blvd, Visalia, CA 93277

Expertise.com Rating

Review Sources

Google
4.6 (28)
Facebook
5.0 (20)

Why choose this provider?

Recovery Credit Repair Inc. offers its services to residents of Clovis and neighboring areas. The firm disputes inaccurate credit report items against the credit bureaus and creditors on their clients' behalf. It has helped many individuals improve their credit standing and increase their FICO scores by correcting their files and removing negative accounts. Its credit repair process includes initial consultation, credit report review and analysis, implementation of a dispute action plan, and tax preparation.

  • Credit Monitoring

2555 E. Perrin Ave. Ste 116, Fresno, CA 93720

Expertise.com Rating

Review Sources

Google
4.9 (42)
Yelp
4.5 (11)

Why choose this provider?

J. L. Taylor & Associates, LLC, is a credit repair company serving residents of Clovis and nearby areas. It helps improve credit scores by removing negative items on credit reports, such as repossessions, liens, collections, and bankruptcies. Its credit repair process includes credit report evaluation, credit repair plan, investigation and dispute, progress review, and assistance with future financial needs. It partners with several mortgage companies, auto lenders, banks, and realtors to provide clients with services that fit their particular needs.

  • Credit Monitoring

2928 N West Ave, Fresno, CA 93705

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Ace1 Credit Repair helps Clovis clients improve their credit reputation. Based on their analysis of credit reports, its advisers provide step-by-step- solutions for enhancing consumers' scores. They send dispute letters to collectors, bureaus, and creditors to remove and correct problematic accounts like late payments, identity theft, tax liens, and inquiries. The team also addresses records on bankruptcies, repossessions, charge-offs, and short sales. Ace1 Credit Repair has been in operation for over 20 years.

  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Clovis, CAFree Credit Evaluation
Lexington Law
Clovis, CAFree Credit Report Consultation
Recovery Credit Repair Inc
3106 S. Mooney Blvd, Visalia, CA 93277
J. L. Taylor & Associates, LLC
2555 E. Perrin Ave. Ste 116, Fresno, CA 93720
Ace1 Credit Repair
2928 N West Ave, Fresno, CA 93705

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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