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Best Credit Repair Companies in Irvine, CA

Our Recommended Top 9

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 Irvine 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.



9Top Picks

Learn about our selection process.


featured provider = Featured Provider

Irvine, CA Rating

Review Sources

4.8 (5317)
2.5 (23)

Why choose this provider?

Credit Saint is a credit repair business serving the Irvine area. It offers three packages involving different levels of services, namely clean slate, credit remodel, and credit polish. These packages collectively include a wide range of factors like score analysis, credit interventions, and score tracker. Clients can obtain full analysis and progress reports online through the company's private dashboard. They will also learn how to produce new months of positive credit history by building a balanced report.

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


Irvine, 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

1555 McGaw Ave ste #B, Irvine, CA 92614 Rating

Review Sources

5.0 (3)

Why choose this provider?

Baby Boomers Financial is a financial services company that provides credit repair and restoration to clients near Irvine. Its professionals have over 50 years of combined experience helping clients improve their credit scores. They provide credit education and help clients retrieve their credit reports from the big three credit bureaus. They also help create a plan to tackle inaccuracies and negative claims on the reports, ultimately helping clients improve their credit scores over time.

1438 Contessa, Irvine, CA 92620 Rating

Review Sources

5.0 (1)

Why choose this provider?

New Day Credit Repair has been helping people with bad credit in Irvine for more than 10 years. The company's team of credit repair specialists provides credit repair consultations and credit report summaries to potential clients who are looking for ways to improve their credit scores. They assess their credit reports to check for any inaccuracies and derogatory items to have them removed. New Day Credit Repair works with Lexington Law for its credit restoration service.

4590 MacArthur Blvd Suite 500, Newport Beach, CA 92660 Rating

Review Sources

3.3 (16)
1.0 (1)

Why choose this provider?

NextDay is a credit repair company providing credit support services in Irvine. It specializes in the improvement of credit scores and the removal of hard credit. Its specialists help clients remove bad credit from the credit report, including bankruptcies, repossessions, judgments, liens, foreclosures, and late payments. It provides virtual consultation services to educate clients on the process of credit improvement. NextDay also provides an online portal that allows tracking of the credit account's improvement.

16892 Bolsa Chica St., Suite 204,, Huntington Beach, CA 92649 Rating

Review Sources

5.0 (20)
4.0 (18)
4.5 (10)

Why choose this provider?

Ascent Network offers credit repair services in Irvine. Its agents strive to protect clients against unjustifiable credit reporting, pursuant to the Consumer Protection Law section 402. They look for mistakes in credit reports, like false delinquencies, then ask bureaus to substantiate bad credit allegations. Ascent also offers foreclosure prevention and mortgage loan modification, mortgage referral, and credit reference services. Ascent reports that its clients get an average increase of 105 points in their credit score.

  • Credit Dispute
  • Credit Audit

24881 Alicia Pkwy Ste E-265, Laguna Hills, CA 92653 Rating

Why choose this provider?

Founded in 2014, Brightside Credit Services is a credit report repair company that works with home and business owners, including mortgage professionals and Realtors, in the Irvine area. It helps raise clients' credit scores and sets them on a path towards financial success. The company conducts detailed and thorough evaluations to identify and devise plans on how to remove any erroneous, obsolete, or out-of-compliance items in credit reports. Its experienced credit analysts contact all credit bureaus to clear unverifiable information as provided for in the laws that govern creditors in the reporting process. Customers have 24/7 access to their online portals.

27201 Puerta Real Suite 300, Mission Viejo, CA 92691 Rating

Review Sources

5.0 (25)
4.2 (10)

Why choose this provider?

April's Credit Repair aims to help consumers in Irvine restore their credit the right way. In business for over 25 years, this company has assisted more than 5,000 clients in repairing their credit ratings, including those with errors in their credit reports, victims of identity theft, and people who have recently recovered from bankruptcy. April's Credit Repair uses proprietary software that identifies discrepancies in credit reports and sends the data to credit bureaus for removal. Credit counseling is also included in its credit repair packages.

  • Credit Audit

112 East Amerige Avenue, Fullerton, CA 92832 Rating

Review Sources

4.0 (27)
5.0 (11)
5.0 (5)

Why choose this provider?

007 Credit Agent is a Fullerton-based company that has been offering professional credit repair services in Irvine and nearby areas since 1989. It helps clients repair and restore their client scores through a four-step process of credit analysis, dispute, progress tracking, and credit restoration. This company provides credit card approval for people with bad credit scores, as long as they are not in an active bankruptcy proceeding. The consultants at 007 Credit Agent can also assist with both business credit applications and student loan forbearance.

  • Credit Audit
  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Irvine, CAFree Credit Evaluation
Lexington Law
Irvine, CAFree Credit Report Consultation
Baby Boomers Financial
1555 McGaw Ave ste #B, Irvine, CA 92614
New Day Credit Repair
1438 Contessa, Irvine, CA 92620
NextDay Credit Repair
4590 MacArthur Blvd Suite 500, Newport Beach, CA 92660
Ascent Network
16892 Bolsa Chica St., Suite 204,, Huntington Beach, CA 92649
Brightside Credit Services
24881 Alicia Pkwy Ste E-265, Laguna Hills, CA 92653
April's Credit Repair
27201 Puerta Real Suite 300, Mission Viejo, CA 92691
007 Credit Agent
112 East Amerige Avenue, Fullerton, CA 92832


  • 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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