Last updated:

Best Credit Repair Companies in Riverside, 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 Riverside 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

Riverside, CA Rating

Review Sources

4.8 (10602)
2.2 (30)

Why choose this provider?

Credit Saint offers to repair and aid in rebuilding credit for clients in Riverside. With more than 15 years of experience, it provides a credit repair service to consumers by reviewing their history and challenging inaccurate, incomplete, outdated, and unverified information. These include charge-offs, collections, repossessions, foreclosures, and judgments. The company also counsels clients on the impact of credit scores on financial activities such as loans, as well as the ways to optimize positive reports when paying bills or opening credit.

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


Riverside, 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

30498 White Fir Dr, Menifee, CA 92584 Rating

Why choose this provider?

Frontier Credit Repair serves individuals in the Riverside metro. It has been helping clients fix their credit scores for over 35 years. It studies the financial range of each customer and rebuilds their credit profile and payment history by providing tailored advice. It also offers adjustment and monitoring assistance to avoid identity theft. The business has a 24/7 portal to track progress and upload live updates. Daniel Wayne, its founder, has a record of removing a total of $7 million from a client's credit file.

4199 Flat Rock Dr Ste 100, Riverside, CA 92505 Rating

Review Sources

5.0 (75)
5.0 (7)
4.5 (6)

Why choose this provider?

Fix My 3 Scores provides credit repair services in Riverside to clients from all over the metro area. This company has acted as a credit consultant for over eight years and has helped numerous clients to improve their credit ratings by teaching them how to address negative line items such as judgements against them, bankruptcies, and tax liens. Aside from simply assisting with ongoing credit repair processes, Fix My 3 Scores offers credit monitoring services too, and it proactively alerts clients when anomalies appear or negative reports arise. It also helps clients to apply for financial products including credit cards designed for those repairing their credit as well as identity theft protection services.

1400 East Cooley Drive, Colton, CA 92324 Rating

Review Sources

4.7 (30)

Why choose this provider?

Serving the Riverside area, Credit Repair 180 handles all areas of the credit repair process. The company examines credit reports and identifies items that are incomplete, unverifiable, misleading, or inaccurate. The credit repair specialists also create personalized plans and credit management systems that aim to improve clients' credit scores. Credit Repair 180 has a team of lawyers that implement acts of Congress, federal laws, and audits. The credit repair firm has been in service for two decades.

1400 East cooley drive no 100A, Colton, CA 92324 Rating

Review Sources

5.0 (3)

Why choose this provider?

Credit-Repair is a company that aids locals in Riverside with the management of their credit scores. As an attorney-based company, the business is staffed with professionals who counsel clients who are seeking to rebuild their credit ratings. Its services include collecting and reviewing clients' credit reports. The company then provides a personalized credit plan for clients to begin their score improvement and track their status. Credit-Repair has been in operation for more than 20 years.

  • Debt Consolidation

5005 La Mart Dr Ste 101, Riverside, CA 92507 Rating

Why choose this provider?

Founded in 2003, AFI Credit Solutions is a credit repair company in Riverside that provides innovative solutions to help residents improve their credit profiles. The company analyzes credit reports for errors and outdated information. It devises a customized plan that involves opening an investigation with creditors and the credit bureaus to verify all credit listings for accuracy according to the FCRA and FDCPA laws. The firm's counselors also recommend plans to help increase credit scores. They additionally assist with opening various credit lines, including credit cards and loans. AFI Credit Solutions is a member of the National Association of Certified Credit Counselors.

123 E. Arrow Highway, San Dimas, CA 91773 Rating

Review Sources

4.2 (39)
5.0 (2)

Why choose this provider?

Second Chance Financial has served over 50,000 clients in the Riverside metro. The firm provides a variety of services, such as credit clearing, debt negotiation, credit report re-establishment, credit consultation, and tax liens removal. Its team of credit consultants has a combined industry experience of more than 27 years. Second Chance Financial extends its services to customers in San Fernando Valley, Orange County, and Inland Empire. It also offers lending, real estate, and insurance services.

9431 Haven Ave. Suite 232, Rancho Cucamonga, CA 91730 Rating

Review Sources

4.8 (31)
5.0 (12)
4.5 (2)

Why choose this provider?

XL Credit Restoration works with clients in the Riverside area. Its team helps people raise their credit scores by disputing credit reports from credit bureaus. This involves removing or correcting inaccurate information involving late payments, charge-offs, medical bills, liens, and repossessions so that clients can get loans with lower interest rates and more favorable terms. The company also offers financial literacy services that help people set credit goals, along with developing strategies to achieve them. It is certified by the Credit Consultants Association.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Riverside, CAFree Credit Evaluation
Lexington Law
Riverside, CAFree Credit Report Consultation
Frontier Credit Repair
30498 White Fir Dr, Menifee, CA 92584
Fix My 3 Scores
4199 Flat Rock Dr Ste 100, Riverside, CA 92505
Credit Repair 180
1400 East Cooley Drive, Colton, CA 92324
1400 East cooley drive no 100A, Colton, CA 92324
AFI Credit Solutions
5005 La Mart Dr Ste 101, Riverside, CA 92507
Second Chance Financial
123 E. Arrow Highway, San Dimas, CA 91773
XL Credit Restoration
9431 Haven Ave. Suite 232, 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.

Related Articles


How To Hire A Credit Repair Company

Credit repair can improve your financial standing. Learn how to find a qualified credit repair expert who helps build up your...