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Best Credit Repair Companies in Ontario, CA

Our Recommended Top 6

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 Ontario 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.



6Top Picks

Learn about our selection process.


featured provider = Featured Provider

Ontario, CA Rating

Review Sources

4.8 (10602)
2.2 (30)

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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


Ontario, 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

6216 Brockton Avenue, Riverside, CA 92506 Rating

Review Sources

4.0 (214)
5.0 (6)

Why choose this provider?

ASAP Credit Repair is a company serving Ontario and surrounding communities. It offers credit repair services that include examination of reports, presenting disputes to the credit bureaus, and removal of bad records. Its team works to remove different types of items from the credit history such as bankruptcies, late payments, foreclosures, collections, and credit fraud. A cloud backup service is also available for businesses to ensure the reliability and safety of data. Clients are praising the company for its help in increasing their credit scores quickly.

  • Credit Dispute

123 East Arrow Highway, San Dimas, CA 91773 Rating

Review Sources

3.0 (38)

Why choose this provider?

Second Chance Financial is a credit repair company extending its services to clients in Ontario. For nearly three decades, it has been helping individuals qualify for home loans and car financing. The team provides credit repair, credit rebuilding, and debt negotiation. It employs a three-step credit repair process involving an initial consultation and credit report review, disputing incorrect items, and raising FICO credit scores. It also offers real estate services, mortgage options, and insurance products.

  • Credit Monitoring

9327 Fairway View Place, Rancho Cucamonga, CA 91730 Rating

Review Sources

5.0 (10)
5.0 (9)

Why choose this provider?

MBM Credit Solutions Inc. is a credit repair firm that serves the Ontario metro area. The company provides credit restoration services that include custom dispute letters and dispute options tailored to the clients' needs and preferences. Its team also works with creditors and credit bureaus for customers to achieve their goals and improve their credit scores. MBM Credit Solutions Inc. allows its clients to access their case status and updated information via its website.

  • Credit Dispute

9431 Haven Avenue, Rancho Cucamonga, CA 91730 Rating

Review Sources

4.5 (2)

Why choose this provider?

XL Credit Restoration evaluates credit and guides customers in Ontario and Rancho Cucamonga. The company helps customers remove negative items from their credit account like late payments, bankruptcies, medical bills, charge-offs, and foreclosure. Its team of credit consultants provides personalized dispute options, helps with the entire process, submits custom dispute letters on customers' behalf, and offers 24/7 web access. In addition, XL Credit Restoration offers credit-building options, student loan assistance, and financial products.

  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Ontario, CAFree Credit Evaluation
Lexington Law
Ontario, CAFree Credit Report Consultation
ASAP Credit Repair
6216 Brockton Avenue, Riverside, CA 92506
Second Chance Financial
123 East Arrow Highway, San Dimas, CA 91773
MBM Credit Solutions Inc
9327 Fairway View Place, Rancho Cucamonga, CA 91730
XL Credit Restoration
9431 Haven Avenue, Rancho Cucamonga, CA 91730


  • 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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