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Best Credit Repair Companies in Newport Beach, 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 Newport Beach 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

Newport Beach, CA Rating

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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


Newport Beach, 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

220 Newport Center Dr., Newport Beach, CA 92660 Rating

Why choose this provider?

Credtique serves consumers in Newport Beach and the surrounding locations. It offers credit restoration services, which involve challenging negative items and sending custom dispute letters to creditors and credit bureaus. Clients work with an assigned credit repair specialist, who also provides education on how to maintain positive credit. In addition, consumers are able to monitor credit score progress through an online portal. Credtique has more than 25 years of experience with consumer, mortgage, and business credit.

  • Credit Monitoring

18430 Brookhurst St Suite 202 Q, Fountain Valley, CA 92708 Rating

Review Sources

5.0 (74)
5.0 (19)
5.0 (13)

Why choose this provider?

EZ Choice Credit Repair serves Newport Beach and the nearby areas. It challenges negative items from reports, including bankruptcies, charge-offs, collections, court judgments, hard inquiries, and late payments. It also deals with fraud accounts, identity theft, outdated information, and public records. In addition, it renders legal assistance and advises people on credit rehabilitation. The company is a Certified FICO Professional with 18 years of industry experience. It has served over 15,000 customers and removed more than 319,900 items.

  • Credit Monitoring

Tustin, CA Rating

Review Sources

5.0 (18)
5.0 (7)

Why choose this provider?

MLE Financial Solutions is a credit repair company that serves individuals in Newport Beach and the surrounding areas. It corrects negative accounts on credit reports and disputes incorrect information committed by credit bureaus to increase financial reputation. Its services include confidential assessment, coordination with creditors on behalf of the client, creation of documents for approval, and education regarding good credit score maintenance and improvement. MLE Financial Solutions restores credit by removing repossessions, collections, and bankruptcy on reports.

  • Credit Audit
  • Credit Dispute

1850 E. 17th St. Ste. #219, Santa Ana, CA 92705 Rating

Review Sources

4.1 (35)
5.0 (13)

Why choose this provider?

MetroFund Financial provides credit repair services to clients in Newport Beach and the surrounding areas. It helps remove inaccurate or derogatory items—such as charge-offs, closed accounts, collections, foreclosures, and identity theft—from the credit report. It offers consultation, examines the report, and explains how the items affect a client's credit rating. It provides related services, including debt negotiation, financial consulting, identity theft protection, and wage garnishments protection. One of its senior team members has over 10 years of credit repair experience.

  • Debt Consolidation
  • Credit Monitoring
  • Credit Audit

260 Newport Center Drive, Newport Beach, CA 92660 Rating

Why choose this provider?

Repair Me 99 is a Newport Beach-based company that serves clients in and around the metro. It offers credit counseling and repair services and helps individuals restore and build their credit. Amber Singleton, the founder of the company, has been assisting clients with restoring their credit since 2007. Singleton is a credit restoration specialist, a Realtor, and a certified paralegal. She has been interviewed and featured in Hustle Weekly, Business Sharks, and New York Business Now.

  • Credit Audit

2901 West Coast Highway Ste. 200, Newport Beach, CA 92663 Rating

Review Sources

5.0 (5)
5.0 (3)

Why choose this provider?

Spearhead Credit Solutions caters to customers in the Newport Beach metro and the surrounding areas. It helps individuals restore their credit scores by offering credit repair solutions. Its process involves analyzing the clients' credit profiles and providing consultations and recommendations. It also challenges credit bureaus for incorrect reporting items, such as charge-offs, closed accounts, late payments, lawsuit judgments, liens, and repossessions. Inquiries, medical bills, and negative settlements are also included. Spearhead Credit Solutions is a member of the Credit Consultants Association.

  • Credit Monitoring
  • Credit Audit

17671 Cowan, Irvine, CA 92614 Rating

Review Sources

5.0 (8)

Why choose this provider?

Making Lives Better Credit Solutions serves the neighborhoods in and around the Newport Beach metro. The Irvine-based company helps its clients achieve a positive credit score and cleans up any unverifiable negative information on their credit reports. It writes customized dispute letters on the clients' behalf, gives customers access to their case status and updated information, crafts personalized dispute options that fit their needs, and assigns them a case analyst who will work with them personally.

  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Newport Beach, CAFree Credit Evaluation
Lexington Law
Newport Beach, CAFree Credit Report Consultation
220 Newport Center Dr., Newport Beach, CA 92660
EZ Choice Credit Repair
18430 Brookhurst St Suite 202 Q, Fountain Valley, CA 92708
MLE Financial Solutions
Tustin, CA
MetroFund Financial
1850 E. 17th St. Ste. #219, Santa Ana, CA 92705
Repair Me 99
260 Newport Center Drive, Newport Beach, CA 92660
Spearhead Credit Solutions
2901 West Coast Highway Ste. 200, Newport Beach, CA 92663
Making Lives Better Credit Solutions
17671 Cowan, Irvine, CA 92614


  • 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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