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Best Credit Repair Companies in Fresno, 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 Fresno 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

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featured provider = Featured Provider

Fresno, CA Rating

Review Sources

4.8 (5317)
2.5 (23)

Why choose this provider?

Credit Saint provides credit repair services and guidance for clients in Fresno. With more than a decade of expertise, it offers to evaluate a consumer's credit score to negotiate or challenge inaccurate, unverified, outdated, biased, and incomplete information. These include collections, charge-offs, judgments, foreclosures, and late payments. It also aids in understanding a credit score's impact on interest rates and loans, as well as in optimizing a positive report when paying bills. Credit Saint also provides clients with a credit monitoring system during its intervention.

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


Fresno, 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

710 Van Ness Ave # 192, Fresno, CA 93721 Rating

Why choose this provider?

Founded in 2017, Legacy Financial Services is a financial management company providing credit repair services in the Fresno area. It helps individuals and businesses get out of debt and improve their credit scores. Services include credit report auditing, extensive dispute analysis, and credit building, with the company providing various payment packages. Clients have 24/7 access to the customer portal to get live status updates. Legacy Financial Services offers credit education and tips to enhance faster credit score growth. Additional services include tax preparation to limit the amount due or get maximum returns. Founder Sabrina Green has over 11 years of experience in the corporate accounting industry.

5293 North First Street, Fresno, CA 93710 Rating

Review Sources

5.0 (12)
3.7 (3)
5.0 (3)

Why choose this provider?

Credit Pulse is a credit repair company near Fresno that aims to assist clients in launching their business. This company offers personal credit options and programs that will help improve the credit scores of individual clients. These include credit repair, disputes, and bankruptcies. The Business Loans & Credit Lines, on the other hand, help entrepreneurs and executives navigate the complex process of enhancing business credit scores. This company also offers the Credit Starter for existing business with no business credit.

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

Review Sources

4.9 (44)
4.5 (9)
4.0 (7)

Why choose this provider?

J. L. Taylor & Associates provides a range of credit repair services in Fresno and surrounding areas. Its comprehensive process begins with experienced credit repair professionals looking through clients' TransUnion, Experian, and Equifax credit reports to find inconsistencies, errors, and outdated information. The company then puts together a personalized plan to dispute these issues and get items removed from clients' credit reports. It has experience in dealing with such items as bankruptcies and foreclosures, and it provides clients with ongoing financial education and advice. J.L. Taylor & Associates also offers access to a credit education program with informative webinars on how to build and maintain credit.

3106 S Mooney Blvd, Visalia, CA 93277 Rating

Review Sources

5.0 (2)
5.0 (1)

Why choose this provider?

Locally operated Recovery Credit Repair Inc. serves Fresno and surrounding areas with financial services. Its professionals review credit reports from the three major bureaus and provide customized analysis. They handle the credit reporting dispute process by developing and printing dispute letters and contacting creditors and credit reporting agencies on behalf of clients. The firm challenges the removal of items, such as collections, late payments, foreclosures, short sale, and tax liens. It can also execute advanced dispute tactics to hold reporting agencies accountable to federal laws. Additionally, its specialists assist in student loan issues, identity theft protection, and tax preparation. Recovery Credit Repair Inc. offers 24/7 online progress monitoring.

1228 P St Ste 105, Fresno, CA 93721 Rating

Review Sources

5.0 (2)
3.0 (2)

Why choose this provider?

Fresno All Star Credit Repair is a veteran-owned credit repair agency in Fresno. It provides credit report evaluation and analysis, then creates a schedule to help middle-income families repair credit. The repair specialists contact collection agencies and credit bureaus to challenge discrepancies in credit reports. They assist in determining and correcting bankruptcies, liens, late payments, repossessions, and charge-offs. The staff also works on fixing credit issues resulting from collections, judgments, and foreclosures. Fresno All Star Credit Repair helps negotiate credit card debt and provides customized credit score and report consultation services. The company offers credit information via reading materials to help clients build and maintain good credit.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Fresno, CAFree Credit Evaluation
Lexington Law
Fresno, CAFree Credit Report Consultation
Legacy Financial Services
710 Van Ness Ave # 192, Fresno, CA 93721
Credit Pulse
5293 North First Street, Fresno, CA 93710
J. L. Taylor & Associates
2555 E Perrin Ave Ste 116, Fresno, CA 93720
Recovery Credit Repair Inc
3106 S Mooney Blvd, Visalia, CA 93277
Fresno All Star Credit Repair
1228 P St Ste 105, Fresno, CA 93721


  • 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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