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2024

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Best Credit Repair Companies in Santa Ana, CA

Our Recommended Top 14

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 Santa Ana 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.

251Reviewed

156Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Santa Ana, CA

Expertise.com Rating

Review Sources

Google
4.8 (5317)
Yelp
2.5 (23)

Why choose this provider?

Credit Saint offers to repair and aid in rebuilding credit for consumers in Santa Ana. In business for more than a decade, the company provides a credit monitoring service to clients as it evaluates their credit histories for inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, repossessions, and foreclosures. Credit Saint also advises clients on the influence of their scores on financial activities and on utilizing a positive report when paying bills and opening or closing credit.

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

Lexington LawExpertise.com

Santa Ana, 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

18430 Brookhurst St, Fountain Valley, CA 92708

Expertise.com Rating

Review Sources

Yelp
5.0 (75)
Facebook
4.5 (23)
Google
5.0 (19)

Why choose this provider?

EZ Choice Credit Repair caters to Consumers Nationwide and is located in Southern California in the Santa Ana metro and its surrounding areas. It helps Consumers achieve their financial goals by helping fix and rebuild their personal credit. The credit repair process involves educating the Consumers on how their credit works for them and how it can be rebuilt. It's dispute process works on negative & fraudulent information and also items, such as: bankruptcies, foreclosures, repossessions, late payments, liens, collections, charge offs, hard business inquiries, a.k.a. names and outdated mailing addresses. The Company brings 30+ years of experience in the Credit Industry.

3024 E Chapman Ave # 161, Orange, CA 92869

Expertise.com Rating

Review Sources

Google
4.7 (58)

Why choose this provider?

Pacific West Credit LLC is a credit repair agency near Santa Ana. The company's professionals examine credit reports and create customized strategies to challenge unverifiable and inaccurate information. They have experience in the dispute negotiation process and working with the three major credit bureaus. Clients can see results within 25 to 45 days after the submission of dispute letters, and if not, the staff repeats the dispute process. The company delivers constant updates via email alerts, and clients can view their credit repair progress on the customer service website. Pacific West Credit offers credit education, online support, and consultation for clients to maintain healthy credit scores.

1901 E 1st St, Santa Ana, CA 92705

Expertise.com Rating

Review Sources

Yelp
5.0 (4)

Why choose this provider?

AGM Credit Solutions provides credit repair services in Santa Ana. Its professionals help clients to achieve good credit, lower debt, and increase their credit scores. They assess credit card reports and work with the reporting agencies to fix issues, including duplicated late payments, inaccurate personal information, double-listed loans, or omission of positive information. The staff provides student loan consolidation solutions to help students manage their finances. They offer tradeline services to legally add positive history to credit reports via the piggybacking method. AGM Credit Solutions delivers financial planning services to help individuals pay their credit card debts and increase credit lines.

117 Main St Ste 202, Huntington Beach, CA 92648

Expertise.com Rating

Review Sources

Google
4.9 (37)

Why choose this provider?

Family-operated Speedy Credit Repair offers credit restoration services in and around Santa Ana. Its professionals challenge negative information in credit reports to potentially improve clients credit scores. The staff has experience in tackling past-due payments, collection accounts, foreclosures, charge-offs, and repossessions. The repair process begins with a credit report review, drafting custom dispute letters, and sending the letters to the credit bureaus. The credit restoration program lasts six months, and the company offers a credit evaluation to determine who joins the program. Additionally, clients can view live progress updates through a secure private link. Speedy Credit Repair works towards boosting credit histories via the addition of positive items.

17671 Cowan, Irvine, CA 92614

Expertise.com Rating

Review Sources

Facebook
5.0 (8)

Why choose this provider?

Making Lives Better Credit Solutions handles the concerns of clients throughout Santa Ana and its surrounding communities. Its approach involves consultations and credit analysis, as well as the challenge of negative report items toward credit bureaus for long-term improvement. It helps clients keep track of their status updates and reports on score changes, and educates them through credit training on the details and facets behind the FCRA. Its bilingual staff members can accommodate Spanish-speaking individuals and families throughout the area.

  • Credit Audit
  • Credit Dispute

1400 East Cooley Drive, Colton, CA 92324

Expertise.com Rating

Why choose this provider?

Credit-Repair is a company in the Santa Ana metro that provides assistance to clients who are in credit card debt. It has a team of attorneys who performs careful credit examination to come up with strategies that fit the needs of clients. It then coordinates with credit companies and bureaus to modify the strategies. The company also counsels clients on rebuilding their credit ratings. Credit-Repair has been helping clients achieve financial freedom for 20 years.

  • Credit Monitoring

1504 Brookhollow Dr Ste 117, Santa Ana, CA 92705

Expertise.com Rating

Review Sources

Yelp
4.0 (23)

Why choose this provider?

CountryWide Debt Relief is a credit repair company in Santa Ana that improves clients' credit profiles via debt management. Its debt consultants evaluate credit reports, analyze clients' debt portfolios, and provide debt consolidation solutions that include debt consolidation programs or loans from financial institutions. Another debt relief option is credit card consolidation via credit card balance transfers and consolidation loans. CountryWide Debt Relief helps clients to file for bankruptcy as a last resort for debt settlement. The debt negotiators deal with banks to resolve every debt. CountryWide Debt Relief has over 30 years of experience in the finance and debt relief industry.

1850 17th Street, Santa Ana, CA 92705

Expertise.com Rating

Review Sources

Yelp
5.0 (11)
Facebook
4.4 (8)

Why choose this provider?

MetroFund Financial primarily offers credit repair services in Santa Ana. Its credit specialists pull credit reports, explain report items and their effect on clients' credit scores, and identify report items to be disputed. Clients receive work quotes and contracts for approval and assistance for credit bureau investigations. The process aims to eliminate records on closed accounts, charge-offs, inquiries, late payments, foreclosures, and wage garnishments. Its removal services also include incorrect personal information such as addresses, employer, and SSN info.

2400 East Katella Avenue, Anaheim, CA 92806

Expertise.com Rating

Why choose this provider?

High Rise Credit provides individuals with an expert to create a customized solution for repairing credit reports. The professional consultant reviews each of the three reporting agency's reports and begins the steps to remove inaccuracies. They challenge obsolete items, duplicates, and unverifiable information. High Rise Credit's personal manager also establishes a customer portal for individuals to have 24/7 access to view progress and communicate with their consultant. Customers receive ongoing support and credit rebuilding tips.

2081 Business Center Dr Ste 268, Irvine, CA 92612

Expertise.com Rating

Why choose this provider?

Founded in 2015, Top Credit Care credit repair company near Santa Ana assists clients in improving their credit standing. It does this by challenging negative, erroneous details on credit files. The staff reviews credit reports from the major credit reporting agencies to find discrepancies and discover potential room for improvement. The professionals use consumer protection laws to dispute questionable items, such as late payments, hard inquires, foreclosures, collections, bankruptcies, and debts. Additionally, Top Credit Care provides financial management solutions, including maximizing credit card repayments, keeping track of expenditures, and checking credit card statements. The company offers credit education services to reinforce the credit restoration process.

4590 MacArthur Blvd Suite 500, Newport Beach, CA 92660

Expertise.com Rating

Review Sources

Google
4.3 (12)
Yelp
5.0 (3)

Why choose this provider?

NextDay Credit Score Improvement is a credit repair company serving the Santa Ana area. The company's credit experts help clients remove charge-offs, collections, late payments, and liens that are dragging down their credit scores, so that they can apply for credit cards, insurance policies, mortgages, and new loans. They also help remove bankruptcies, credit inquiries, foreclosures, judgments, and repossessions from the record and help clients improve their credit scores by challenging the validity of each account.

16892 Bolsa Chica St., Suite 204, Huntington Beach, CA 92649

Expertise.com Rating

Review Sources

Facebook
5.0 (20)
Yelp
4.0 (19)
Google
4.6 (12)

Why choose this provider?

Ascent Network offers credit specialist services in Santa Ana. As a faith-based organization, it emphasizes complete transparency when helping clients overcome financial obstacles and improve creditworthiness. Its credit restoration service includes a profile audit. The professionals at Ascent Network assist by verifying and legally removing all non-verified and inaccurate accounts of clients. They also provide a credit review to track score improvement. This organization also aims to help the underprivileged population through financial education and counseling.

  • Debt Consolidation
  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Santa Ana, CAFree Credit Evaluation
Lexington Law
Santa Ana, CAFree Credit Report Consultation
EZ Choice Credit Repair
18430 Brookhurst St, Fountain Valley, CA 92708
Pacific West Credit LLC
3024 E Chapman Ave # 161, Orange, CA 92869
AGM Credit Solutions
1901 E 1st St, Santa Ana, CA 92705
Speedy Credit Repair
117 Main St Ste 202, Huntington Beach, CA 92648
Making Lives Better Credit Solutions
17671 Cowan, Irvine, CA 92614
Credit-Repair
1400 East Cooley Drive, Colton, CA 92324
CountryWide Debt Relief
1504 Brookhollow Dr Ste 117, Santa Ana, CA 92705
MetroFund Financial
1850 17th Street, Santa Ana, CA 92705
High Rise Credit
2400 East Katella Avenue, Anaheim, CA 92806
Top Credit Care
2081 Business Center Dr Ste 268, Irvine, CA 92612
NextDay Credit Score Improvement
4590 MacArthur Blvd Suite 500, Newport Beach, CA 92660
Ascent Network
16892 Bolsa Chica St., Suite 204, Huntington Beach, CA 92649

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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