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Best Credit Repair Companies in Roseville, CA

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Roseville 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.

95Reviewed

58Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Roseville, CA

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

Lexington LawExpertise.com

Roseville, 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

1911 Douglas Boulevard, Roseville, CA 95661

Expertise.com Rating

Review Sources

Google
1.0 (1)

Why choose this provider?

Titan Credit Consulting Group, LLC, provides assistance to consumers in Roseville by permanently deleting derogatory and inaccurate credit information reported to Experian, TransUnion, and Equifax. The professionals at the company inform their clients of their current credit scores and methods to improve these. They also offer clients some referrals to mortgage brokers and hard money lenders. The firm advises its clients of some of the tactics used by creditors, threats of lawsuits, and ways to deal with collectors for wrongful information regarding their credits.

  • Credit Audit

333 University Avenue, Sacramento, CA 95825

Expertise.com Rating

Review Sources

Yelp
4.6 (149)
Facebook
4.9 (101)
Google
5.0 (1)

Why choose this provider?

Sacramento Credit Repair is a credit restoration business that provides solutions to individuals and families in Roseville and nearby locations. It has been delivering credit repair services for the past decade. It has experience working with creditors and credit bureaus in removing unverifiable, negative, and inaccurate information that impacts clients' credit scores. Additionally, the company’s team also assists in educating clients on how to improve credit scores. Furthermore, Sacramento Credit Repair's online system is available 24/7 for tracking credit repair progress.

  • Credit Monitoring
  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Roseville, CAFree Credit Evaluation
Lexington Law
Roseville, CAFree Credit Report Consultation
Titan Credit Consulting Group, LLC
1911 Douglas Boulevard, Roseville, CA 95661
Sacramento Credit Repair
333 University Avenue, Sacramento, CA 95825

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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