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2024

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Best Credit Repair Companies in Vista, CA

Our Recommended Top 7

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 Vista 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.

77Reviewed

49Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

Lexington LawExpertise.com

Vista, 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.

  • Consumer Credit Services
  • Credit Repair

31997 Sugarbush Ln, Lake Elsinore, CA 92532

Expertise.com Rating

Review Sources

Google
3.9 (7)
Facebook
5.0 (2)

Why choose this provider?

Kredit Rehab is a full-service credit repair company that aims to help clients in and around Vista improve their financial status. It employs a team of credit restoration counselors who provide comprehensive consultation and legally dispute unverifiable or inaccurate information in customers' credit histories. They also offer ongoing education to teach clients how to build and maintain their improved credit scores. Likewise, the company maintains an online portal where clients can track their credit score's progress 24/7.

  • Credit Audit

16776 Bernardo Center Drive Suite 212, San Diego, CA 92128

Expertise.com Rating

Why choose this provider?

Dispute Resolutions, Inc., offers credit repair services for individuals and businesses throughout Vista and the surrounding metros. The company brings 35 years of experience managing credit and collection problems in Southern California, helping clients negotiate wrongful, erroneous, or obsolete listings such as bank debts, public records, student loans, and collection records. It also facilitates the correction of inaccurate credit reports with creditor validation of errors. Additional services include settlement negotiations, credit counseling, and budgeting to improve clients' credit records, histories, and ratings.

  • Credit Monitoring
  • Credit Dispute

600 Palm Ave, Imperial Beach, CA 91932

Expertise.com Rating

Review Sources

Google
4.8 (66)
Yelp
5.0 (3)

Why choose this provider?

Founded in 2004, Golden Financial Services serves Vista residents. The business provides credit repair solutions to help people improve their financial situations and disputes inaccurate information in reports with bureaus and creditors. It also assists clients in choosing the appropriate credit card relief programs based on their circumstances, which include debt validation, settlement, debt consolidation, chapter 13 bankruptcy, and consumer credit counseling. The company’s CEO, Paul Paquin, has written financial and debt-related articles in blogs, including Boston.com.

  • Debt Consolidation

2571 Mast Way Suite 202, Chula Vista, CA 91914

Expertise.com Rating

Review Sources

Yelp
5.0 (46)
Google
5.0 (39)
Facebook
5.0 (10)

Why choose this provider?

Credit Corner caters to customers in the Vista metro and the surrounding communities. It helps clients get back their financial freedom by offering credit repair solutions. These services allow them to get easier access to auto loans, credit cards, and mortgages. The company's work process involves obtaining credit reports from the three major credit bureaus and disputing negative items, such as bankruptcies, charge-offs, and late payments. Credit Corner brings 10 years of experience in the financial industry.

  • Credit Monitoring

41880 Kalmia Street Suite 145, Murrieta, CA 92562

Expertise.com Rating

Review Sources

Google
4.1 (55)
Facebook
4.9 (32)

Why choose this provider?

Dedicated Credit Repair is a family-owned remediation company that helps Vista-based clients fix score disputes by removing incorrect, untimely, and unverifiable items from their credit reports. It challenges items that violate the Fair Debt Collections Act and Fair Credit Reporting Act. It also provides clients with monthly updates. The company, which has been in operation for over 16 years, has received certification from the Organization of Compliant Credit Account Managers. It was also featured on ESPN's Real Estate Radio Hour program.

  • Credit Monitoring
  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Vista, CAFree Credit Evaluation
Lexington Law
Vista, CAFree Credit Report Consultation
Kredit Rehab
31997 Sugarbush Ln, Lake Elsinore, CA 92532
Dispute Resolutions, Inc.
16776 Bernardo Center Drive Suite 212, San Diego, CA 92128
Golden Financial Services
600 Palm Ave, Imperial Beach, CA 91932
Credit Corner
2571 Mast Way Suite 202, Chula Vista, CA 91914
Dedicated Credit Repair
41880 Kalmia Street Suite 145, Murrieta, CA 92562

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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