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Best Credit Repair Companies in Modesto, 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 Modesto 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.

146Reviewed

89Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Modesto, CA

Expertise.com Rating

Review Sources

Google
4.8 (6568)

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

Lexington LawExpertise.com

Modesto, CA
Free Credit Report Consultation

Expertise.com 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.

  • Credit Repair
  • Consumer Credit Services

1407 West Fremont Street, Stockton, CA 95203

Expertise.com Rating

Why choose this provider?

Credit Advisors Council is a company that handles different facets of consumer credit. It is an Orlando-based company that serves individuals and families in the Modesto area and the surrounding communities. Its list of services includes credit counseling, building credit, and credit repair—an activity provided under the CROA that helps consumers address inaccurate, unverified, or outdated items on credit reports. Additionally, it provides student loan forgiveness, identity theft, and financial literacy services that teach clients how to make the most of their resources.

  • Credit Audit

1400 Mitchell Road, Modesto, CA 95351

Expertise.com Rating

Review Sources

Google
5.0 (40)
Yelp
5.0 (1)

Why choose this provider?

Jones Financial Credit Repair is an independent credit repair company that serves residential and commercial clients in Modesto and the surrounding areas. It offers a comprehensive range of credit repair services, including creditor and collector dispute resolution, account review, credit utilization, and restoration of credit scores. The company is managed by a team of credit specialists, who are trained in assessing the client's credit history and filing disputes with creditors, collectors, and credit bureaus. Jones Financial Credit Repair also provides credit monitoring packages.

  • Credit Dispute

96 North 3rd Street, San Jose, CA 95112
Website

Expertise.com Rating

Review Sources

Google
4.5 (24)
Yelp
1.3 (4)

Why choose this provider?

Continental Credit Repair is a locally owned and operated credit repair agency that aims to help clients improve their credit scores and financial status. Servicing the Modesto area, the firm offers personalized credit help by disputing and appealing inaccurate negative accounts to credit reporting agencies like Experian and TransUnion. Clients can also check and monitor their credit repair progress anytime through the company's online portal. It also educates clients so that they can be more empowered to build and maintain their improved credit standing.

  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Modesto, CAFree Credit Evaluation
Lexington Law
Modesto, CAFree Credit Report Consultation
Credit Advisors Council
1407 West Fremont Street, Stockton, CA 95203
Jones Financial Credit Repair
1400 Mitchell Road, Modesto, CA 95351
Continental Credit Repair
96 North 3rd Street, San Jose, CA 95112

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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