California Credit Repair Services in 2024

California Credit Repair Services

California credit repair services are easy to find online. We’ll review three reputable credit repair companies that can help you clean up your credit history in no time. All offer free consultations so you can see whether credit repair is the right choice for you.

If you decide to hire one of these services, you can easily track your progress through the company’s client dashboard or mobile app. How long you’ll need to use the service to improve your credit standing will depend on several factors, but companies generally recommend three to six months for the best results.

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Best California Credit Repair Services

The following services vary in the prices they charge and the number of disputes they handle at one time. But the credit repair process is pretty straightforward no matter which company you choose.

  • Since 2004, Lexington Law Firm clients saw over 81 million items removed from their credit reports
  • Get started today with a free online credit report consultation
  • Cancel anytime
  • See official site, terms, and details.


Overall Rating

Better Business Bureau In Business Since Monthly Cost Reputation Score
See BBB Listing 2004 $99.95 8/10

If you’ve been searching for credit repair online, chances are good that you’ve seen Lexington Law appear in your search results. That’s because it’s the nation’s largest credit repair law firm, and has sent over 221 million challenges and disputes on behalf of its clients since its founding in 2004. You’re paying for experience and lawyer-backed credit repair when you choose Lexington Law.

Sky Blue Credit Repair is one of the few credit repair companies in the industry to offer a 90-day money-back guarantee. So not only do you get a free consultation, but if you’re unhappy with the service for any reason, you can get your money back. It’s also one of the cheapest credit repair services available, making Sky Blue Credit Repair a great option for most consumers.

  • Free online consultation
  • members saw over 8.6 million removals on their credit reports since 2012
  • Free access to your credit report summary
  • Three-step plan for checking, challenging and changing your credit report
  • Online tools to help clients track results
  • See official site, terms, and details.


Overall Rating

Better Business Bureau In Business Since Monthly Cost Reputation Score
See BBB Listing 2012 $69.95+ 8/10 has removed over 1.8 negative items from its client’s credit reports since its founding in 2012. This credit repair agency will challenge your questionable negative items with all three major credit reporting bureaus, ask your creditors to verify the items they’re reporting, and monitor your credit to address issues as they arise. It offers a one-size-fits-all package for $49.95 per month.

What is Credit Repair?

Credit Repair is the process of removing negative items from your credit report. Negative items lower your credit score, which makes obtaining credit cards and loans more difficult — and more expensive.

You can perform credit repair yourself, or you can hire a credit repair company to perform the service for you.

To do it yourself, you need to file disputes with each major credit bureau — Experian, Equifax, and TransUnion. Each credit bureau maintains its own credit report under your name and Social Security number, so you’ll need to file separate disputes with each credit bureau that is showing the item you wish to dispute.

Credit Bureau Logos

Although your credit reports are likely to be similar, each credit reporting company maintains separate information about you. This is because your creditors — your auto loan lender or credit card issuer, for example — may only report to one, two, or all three bureaus. If your auto lender only reports to Equifax and Experian, your auto loan won’t appear on your TransUnion credit report.

You can mail a dispute letter to each of the bureaus or submit a dispute online at each of the bureau’s websites:

The bureaus have 30 days to investigate your dispute. You’ll need to provide supporting documentation for your claim.

For example, if a creditor is reporting you made a late payment, but you can prove with a bank statement or payment confirmation email that you paid on time, you’ll need to supply that information to support your claim and speed up the process.

Your lender must also verify the information when a dispute is submitted, and if it doesn’t, the credit reporting agency must remove the item from your credit report.

Performing credit repair yourself can be a daunting task if you have several items you wish to dispute, or don’t know what you can or cannot dispute. This is why credit repair companies exist — to help consumers navigate the complex laws surrounding the credit repair process.

All of the companies we recommend offer free consultations, so you can speak with a credit repair specialist before committing to paying for services. The credit repair specialist can go over your credit reports with you and tell you what it can do for you, and whether it believes you’re a good fit for its services.

Is Credit Repair Legal in California?

Credit repair is legal in all 50 states. It is federally mandated under the Fair Credit Reporting Act (FCRA), which stipulates that every consumer has the right to accurate credit reports. The Fair Credit Reporting Act also mandates that:

  • The credit bureau has 30 days to respond to any dispute.
  • The credit bureau can terminate any dispute it deems frivolous or irrelevant. The bureau must inform you of its decision.
  • All disputes are free to consumers (unless you pay for a credit repair service to do it for you).
  • Any disputed item must be removed if it cannot be verified.
  • Verified items must remain on your credit report. However, consumers have the right to add a 100-word statement to their credit report explaining the situation, which would be seen by future lenders that access your credit report. But the negative item will still affect your credit rating.
  • If your dispute is successful, the credit bureau is required to mail you a free copy of your credit report so you can verify the item’s removal.

In addition to the FCRA, the Credit Repair Organizations Act (CROA) gives consumers the right to hire a credit repair company to help them manage disputes. CROA regulates the credit repair industry and protects consumers from untrustworthy service providers.

California requires every credit service organization to have a surety bond to conduct business. A surety bond protects consumers from organizations that violate the Civil Code of California.

Each state has its own laws regarding credit repair, and you can contact the California State Attorney General’s office to learn more.

How Much Does Credit Repair Service Cost?

Credit repair services charge a monthly fee that ranges from about $70 to $139 a month. Some companies also charge a one-time work fee. The amount you pay depends on the credit repair organization you choose and the service tier you choose from that company.

Service tiers vary by the number of disputes allowed at one time and service add-ons like credit monitoring and alerts or credit counseling services. A free consultation with any of the credit repair businesses we recommend can help you decide which service tier to choose.

Some services, like Sky Blue Credit Repair, don’t offer tiers and instead charge a flat monthly fee. This is nice because it means every client receives the same quality of service.

And, as we’ve already mentioned, disputing items with any credit reporting agency yourself is always free.

Does Credit Repair Really Work?

Yes, credit repair can work for those who have legitimate items on their credit reports that can be disputed. Credit repair companies provide free consultations to determine whether they can help improve your credit scores.

Credit report items that can be disputed include:

  • Errors regarding personal information, such as a misspelled name or incorrect address
  • Items that should have aged off your credit reports but still appear
  • Accounts you don’t recognize and have no knowledge of — this may be a sign of identity theft
  • Incorrectly reported accounts, such as late payments you know you made on time or incorrect credit card balances that are negatively affecting your credit utilization ratio

You can sometimes challenge accurate accounts as well. For example, if you did, in fact, miss payments and your account was charged off, you can send a pay for delete letter. This asks that the creditor remove the account from your credit report in exchange for payment.

But there’s no guarantee that this will work — the creditor is under no obligation to accept your offer. In fact, it could take your money and still report the charged-off account. And, paying off old debts does not improve a bad credit score. The one positive is that future lenders will see you paid the debt, but the harm to your credit history will remain until the item ages off your reports.

Find Reputable California Credit Repair Services Online

While you can’t go from a bad credit score to a good credit score overnight, a reputable credit services organization can help you navigate the complexities of credit repair in a timely manner. California credit repair services are readily available online, and we’ve reviewed three consumer credit repair agencies that can assess your credit profile and file disputes on your behalf.

Our top-recommended credit repair business, Lexington Law, can help evaluate your credit profile and determine the steps necessary to help you achieve a prime credit rating. We also really like Sky Blue Credit Repair for its relatively low flat-rate monthly fee and money-back guarantee.

In-Person Options for California Credit Repair Services

Dealing face-to-face with a credit expert gives you the advantage of in-person communication, which can be more efficient and effective. Here are some local options for credit repair services in California:

Infinite Financial Firm Credit Repair Experts
1722 Westwood Blvd Suite 200
Los Angeles, CA 90024

Baby Boomers Credit Repair
402 W Broadway Suite 400
San Diego, CA 92101

Credit Repair – Blue Water Credit
111 N Market St #374
San Jose, CA 95113

iMax Credit Repair Firm
100 Pine St #1250
San Francisco, CA 94111

Fresno All Star Credit Repair
1228 P St Unit 105
Fresno, CA 93721

Credit Boss Financial Services LLC
1120 Foxhall Way
Sacramento, CA 95831

Novo Credit Repair Main Office
444 W Ocean Blvd #800
Long Beach, CA 90802

Platinum Credit Solutions
1300 Clay St
Oakland, CA 94612

Alliance Credit Repair
1523 Panama Ln E-100
Bakersfield, CA 93307

Anaheim Credit Repair
800 S Brookhurst St #2B
Anaheim, CA 92804

Strong Credit Repair
3840 Lemon St Unit H
Riverside, CA 92501

Credit Advisors Council – Credit Repair Stockton
1407 W Fremont St
Stockton, CA 95203

Bridgeport Solutions
17632 Armstrong Ave
Irvine, CA 92614

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