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Best Credit Repair Companies in Escondido, CA

Our Recommended Top 6

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 Escondido 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.



6Top Picks

Learn about our selection process.


featured provider = Featured Provider

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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


Escondido, CA
Free Credit Report Consultation Rating

Review Sources

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

7474 El Cajon Boulevard, La Mesa, CA 91942 Rating

Review Sources

5.0 (16)

Why choose this provider?

Jonas Victor is a credit repair specialist that serves individuals and families in Escondido and the neighboring areas. He provides personalized reviews of all three credit bureaus' reports and uses disputing strategies to challenge negative entries on credit scores such as foreclosures, bankruptcies, and repossessions. In addition, he educates clients on the proper use of credit. CEO and owner Jonas Victor, also known as "Mr. Credit Guy," helped one client boost her credit score by 40 points in three weeks.

  • Credit Audit

2571 Mast Way, Chula Vista, CA 91914 Rating

Review Sources

5.0 (39)
5.0 (9)

Why choose this provider?

Credit Corner is an experienced financial services company committed to help customers improve credit scores, organize credit, plan and schedule, remove negative claims, track progress, and maintain good credit. CC offers customized and effective financial restoration plans. Addressing each member’s unique situation, CC cooperates with customers for a timely meeting of financial freedom goals. It reviews customer mortgage loans and gives straight answers on available options. The team alleviates worries through clear and honest communication for the process.

  • Credit Dispute

100 East San Marcos Boulevard, San Marcos, CA 92069 Rating

Review Sources

5.0 (4)

Why choose this provider?

San Diego Credit Solutions is a credit repair company owned and operated by credit expert Frank Kriticos. It offers its credit restoration services to individuals in the Escondido area. The company helps clients remove collections, bankruptcies, late payments, foreclosures, liens, and repossessions from their credit reports and prevent them from being reported again. Kriticos founded San Diego Credit Solutions in 2007. He previously worked as a police officer and mortgage banker before focusing his attention on providing credit repair services.

  • Debt Consolidation

888 Prospect Street, San Diego, CA 92037 Rating

Review Sources

4.6 (30)
4.2 (5)

Why choose this provider?

Credit Diva is an Arkansas credit repair agency serving individuals in Escondido and Rogers. It has been operating for over 17 years. The firm specializes in personal and business credit restoration, debt negotiation, and seminars. Additionally, the company enjoys a glowing reputation in the community for its efficiency in client education, innovative credit restoration methods, and results-driven services. Credit Diva strives to help clients improve their credit standings, equipping them to achieve a financially secure future.

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Escondido, CAFree Credit Evaluation
Lexington Law
Escondido, CAFree Credit Report Consultation
Jonas Victor
7474 El Cajon Boulevard, La Mesa, CA 91942
Credit Corner
2571 Mast Way, Chula Vista, CA 91914
San Diego Credit Solutions
100 East San Marcos Boulevard, San Marcos, CA 92069
Credit Diva
888 Prospect Street, San Diego, CA 92037


  • 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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