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Best Credit Repair Companies in Merced, 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 Merced 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

Learn about our selection process.


featured provider = Featured Provider

Merced, CA Rating

Review Sources

4.8 (6377)

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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


Merced, 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

Modesto, CA 95351 Rating

Review Sources

4.9 (39)

Why choose this provider?

Jones Financial Credit Repair has been serving clients in Merced and nearby areas for eight years. It offers a wide range of services, from financial consulting and management to debt consolidation and cancellation. It offers credit monitoring services to individuals and couples, such as examining credit reports for erroneous personal information, determining how to correct the inaccuracies, and boosting their credit ratings. Complete loan restoration is also possible through credit enhancement and the elimination of outstanding accounts.

  • Debt Consolidation

1228 P St. #105, Merced, CA 93721 Rating

Review Sources

3.9 (14)
5.0 (11)

Why choose this provider?

Fresno All Star Credit Repair serves middle-income individuals and families in Merced. It offers credit repair services, including credit report evaluation and analysis, and credit score consultation. Its team helps repair credit by disputing negative items and the accuracy of the client's credit report. It works with collection agencies and credit bureaus to correct inaccuracies and negotiate the debt. The company particularly assists clients who need better credit scores to buy, rent or refinance a home. It has staff members who can speak Spanish.

  • Credit Dispute

907 6th St, Los Banos, CA 93635 Rating

Review Sources

5.0 (4)

Why choose this provider?

Mary Castillo Avalos is a financial counselor and small business coach who serves the community in Merced. She offers credit counseling services to help individuals and businesses get their finances in order. She reviews her clients’ reports and analyzes their financial histories in order to ascertain whether they qualify for new loans and lines of credit or major purchases. Her other services include bookkeeping, financial management, small business administration, and personal development. Avalos carries over 20 years of professional experience.

  • Credit Monitoring

1733 Yosemite Blvd, Modesto, CA 95354 Rating

Why choose this provider?

Jai Ho Credit Repair helps individuals in Merced and nearby areas who are struggling with their credit scores. The company features a team of credit restoration counselors who identify and challenge unverifiable or erroneous information in customers' credit histories. They also enable clients to understand their reports and achieve good credit. Additionally, the company offers 24/7 credit monitoring and alerts powered by TransUnion to keep clients aware of the changes to their ratings.

  • Credit Monitoring

​Modesto, CA 95350 Rating

Review Sources

5.0 (1)

Why choose this provider?

Modesto Credit Solutions aims to help individuals in Merced and the nearby areas improve their credit scores and financial status. The credit repair company assists clients through personalized consultations, accurate representation, and ongoing education. Its credit repair process includes deleting bad credit records incurred from bankruptcies, collections, repossessions, late payments, and charge-offs, thus giving clients access to better rates and opportunities. An online portal is also available for clients to check their scores.

  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Merced, CAFree Credit Evaluation
Lexington Law
Merced, CAFree Credit Report Consultation
Jones Financial Credit Repair
Modesto, CA 95351
Fresno All Star Credit Repair
1228 P St. #105, Merced, CA 93721
Mary Castillo Avalos
907 6th St, Los Banos, CA 93635
Jai Ho Credit Repair
1733 Yosemite Blvd, Modesto, CA 95354
Modesto Credit Solutions
​Modesto, CA 95350


  • 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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