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Best Credit Repair Companies in San Diego, CA

Our Recommended Top 13

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 San Diego 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.



13Top Picks

Learn about our selection process.


featured provider = Featured Provider

7938 Broadway, Lemon Grove, CA 91946 Rating

Review Sources

5.0 (37)
5.0 (6)

Why choose this provider?

Jenn Financial Solutions LLC is a credit repair company serving individuals in San Diego and the surrounding areas. It specializes in credit analysis, credit education, and credit repair. The professional team at Jenn Financial Solutions provides clients with customized credit repair solutions that match their needs. Jenn Financial Solutions LLC focuses on helping people improve their credit scores by removing charged-off accounts, collections, foreclosures, late payments, short sales, and tax liens.

  • Late payments
  • Charged Off Accounts
  • Collections
  • Foreclosures
  • Bankruptcy

San Diego, CA 92105 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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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.

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


San Diego, CA
Free Credit Report Consultation Rating

Review Sources

4.3 (2910)
4.6 (386)
1.0 (11)

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

402 West Broadway, San Diego, CA 92101 Rating

Review Sources

5.0 (24)
5.0 (3)
5.0 (1)

Why choose this provider?

San Diego-based credit repair company, Baby Boomers Financial, is committed to serving the needs of individuals experiencing financial crises. The company's credit repair specialists help clients restore their credit score by disputing any inaccuracy or questionable item on their credit report. They understand that a bad credit score can negatively impact a client's lifestyle, especially if they are planning to apply for a loan, buy a new car, or invest in a new home.

2534 State St Ste 475, San Diego, CA 92101 Rating

Review Sources

5.0 (9)
4.5 (5)

Why choose this provider?

Fix Your Credit Consulting has been serving San Diego and its surroundings since 2003. The credit specialists conduct comprehensive evaluations for all three credit reports and repair the credit score by assisting in the removal of unverifiable, erroneous, and inaccurate items. The credit score improvement process also involves challenging bankruptcies, charge-off accounts linked to student loans, tax liabilities, and judgments. The credit professionals on staff develop personalized plans depending on the client's credit needs to help them in restoring their credit scores. They also assist in creating effective student loan repayment programs. Fix Your Credit Consulting has 24/7 credit monitoring resources to help clients track their credit activity with ease.

270 E Douglas Ave, El Cajon, CA 92020 Rating

Review Sources

4.5 (11)

Why choose this provider?

ERA Credit Services is an independent Agency, representing a nonprofit organization, and has offered credit repair services in the greater San Diego area since 2012. The company removes erroneous information from credit reports to improve credit scores. Its services also help individuals access credit builder loans and secured credit cards. ERA Credit Services also ensures that rent payments are reflected on credit reports for improved credit standings. The company facilitates access to comprehensive credit repair business training and mentorship programs, customized business websites. Other services include customer and agent support and online customer reporting solutions.

San Diego, CA 92129 Rating

Review Sources

5.0 (22)

Why choose this provider?

bSquared Credit is a female-owned, San Diego-based credit repair and consulting company. As Owner and Chief Operating Officer at bSquared Credit, helping clients achieve financial freedom is the core of Nicole Soares and her team's everyday goal. She and her team of credit experts are responsible for educating each of bSquared Credit’s credit-challenged consumers, providing credit repair, student loan services, and coaching to help them improve their scores and qualify for their desired loans at the best possible rate. Nicole’s 30+ years in financial services have taught her that no two stories are the same, and no one-size-fits-all plan will help every client, so she and her team specialize in creating unique, individual solutions for each client they serve. As a result, after eight years in the business, bSquared Credit maintains an industry-leading 99% customer satisfaction rate – unprecedented and unmatched by its competitors. Her holistic understanding of the industry and comprehensive understanding of predictive analytics for credit and fraud scoring makes her the ideal ally for anyone looking to regain control of their credit and financial future. Wherever your starting point is, Nicole and her team are here to demystify the process and get your credit scores up where it belongs - working in your favor and helping you achieve success. With her expert guidance, your entire financial future can be restructured in just a few months, empowering you to take the next steps toward your future with bold confidence and a credit score to match it.

2534 State Street, San Diego, CA 92101 Rating

Review Sources

5.0 (5)
5.0 (4)
5.0 (2)

Why choose this provider?

My Credit Repair USA is a credit repair company in San Diego. It has credit repair specialists who are committed to understanding a client's financial needs as well as their goals. These specialists assess a client's current credit score and determine what measures they should take to improve it. They dispute any inaccuracies to help clients build good credit that enables them to apply for loans, invest in a new home, or buy a new car.

112 E. Amerige Avenue, Fullerton, CA 92832 Rating

Review Sources

5.0 (80)
4.9 (68)
4.5 (12)

Why choose this provider?

007 Credit Agent provides financial advice to individuals and businesses in the San Diego area. It helps clients restore credit scores, handling issues concerning past dues, high-interest accounts, credit card limits, and errors in credit reports. Its team conducts credit report analyses to find inaccurate negative items, disputes the report with credit bureaus and creditors, and posts live updates on improvements online. 007 Credit Agent educates its clients on discipline in managing finances to prevent future credit-related problems.

  • Credit Monitoring

402 W Broadway Suite 400, San Diego, CA 92101 Rating

Review Sources

5.0 (25)
5.0 (2)

Why choose this provider?

San Diego Credit Repair Company provides services that focus on improving the credit scores of clients and helping them eliminate and settle debt. The San Diego-based firm offers credit counseling and provides platinum, gold, and silver-tier credit repair services in line with the Fair Credit Reporting Act. In business since 2009, it works to correct or delete negative items from credit reports. The firm also collaborates with attorneys to produce collection letters for agencies that are found to have violated the Fair Debt Collection Practices Act.

2221 Camino del Rio S Ste 308, San Diego, CA 92108 Rating

Review Sources

5.0 (64)
3.7 (6)

Why choose this provider?

San Diego Credit Solutions is a credit repair company in San Diego that helps individuals recover from financial hardship. The company pulls credit reports from the three credit bureaus and looks for any collection accounts that claim their client still owes money. Its professional negotiator contacts creditors to have negative items removed and make sure all accounts show a zero balance. It pulls a new set of credit reports to ensure that they are accurate and updated. Using proven techniques, San Diego Credit Solutions also teaches clients how to stop incurring additional derogatory items.

San Diego, CA Rating

Review Sources

4.0 (806)

Why choose this provider?

Credit Innovation Group (CIG) is a credit repair business that serves clients in the San Diego metro. It follows a six-step process of building a customer's credit profile. It includes analyzing the client's credit report, disputing unverifiable or inaccurate items on the report, and optimizing the client's current accounts to raise their credit score. The next steps involve finding new credit opportunities to help the client establish a positive credit profile and eventually get their desired credit line.

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Jenn Financial Solutions
7938 Broadway, Lemon Grove, CA 91946Free consultation
Credit Saint
San Diego, CA 92105Free Credit Evaluation
Lexington Law
San Diego, CAFree Credit Report Consultation
Baby Boomers Financial
402 West Broadway, San Diego, CA 92101
Fix Your Credit Consulting
2534 State St Ste 475, San Diego, CA 92101
ERA Credit Services
270 E Douglas Ave, El Cajon, CA 92020
bSquared Credit
San Diego, CA 92129
My Credit Repair USA
2534 State Street, San Diego, CA 92101
007 Credit Agent
112 E. Amerige Avenue, Fullerton, CA 92832
San Diego Credit Repair Company
402 W Broadway Suite 400, San Diego, CA 92101
San Diego Credit Solutions
2221 Camino del Rio S Ste 308, San Diego, CA 92108
Credit Innovation Group
San Diego, CA
Navicore Solutions
3530 Camino del Rio N Ste 110, San Diego, CA 92108


  • 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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