Having to pay higher interest for a loan than others is never a good thing but it seems even worse if you live in the Golden State, whose high quality of life often comes with a pretty hefty price tag. That’s why we hand-picked the top agencies providing credit repair in California which will hopefully get your credit score where it needs to be so that you can take advantage of a larger scope of financial services, for better rates.
Top Rated Credit Repair Experts
Based in Los Altos, this firm has been in the credit repair business since 2010. Consistently top-rated, it provides the full range of services you will need to contest disputable credit report items. One of its service highlights is the free credit consultation you can take advantage of by filling out the form on its website.
Credit Repair Solutions That Make Your Financial Future Thrive
Among the top California credit repair companies since 2008, Blue Water Credit also has a strong presence in many other states. Based in Roseville, the company is known for its highly customized services, including a personalized credit repair plan and a dedicated case manager.
ALL Bureaus deleted or you don’t pay
Led by Dave Schram, one of the top consumer credit and FICO score experts in the US, 740Plus has been in the business since 2010. This Glendale-based firm is a rare California credit repair agency offering a success-only fee plan. This means that you pay only if the firm manages to get inaccurate items deleted from your credit reports.
Rebuild Your Credit
Rated A+ by the Better Business Bureau (BBB), this LA-based firm has been using its three-step process to provide credit repair services since 2013. Among the younger credit repair companies in California, it boasts an average of 7% removal of negative items per month for its clients and a 100% success rate.
Yes, credit repair is a legal recourse provided to all California citizens. Both federal and state laws govern credit repair services in the Golden State. In this regard, the two primary federal laws are the Fair Credit Reporting Act, 1970, and the Credit Repair Organizations Act, 1996. Now, let’s look at the key aspects of the credit repair laws for California.
The central state law is the Credit Services Act of 1984, which refers to credit repair companies as credit services organizations (CSOs).
Credit repair services in California cannot:
Before the contract’s execution, any California credit repair firm must provide the client with an information statement in writing. This statement should include:
The points mentioned above summarize the California Credit Services Act. We advise readers to go through the full act and the 2020 amendments to understand their rights in detail before engaging a firm for credit repair in California.
Apart from the Credit Services Act, California also enacted the Assembly Bill 1864 in September 2020, under which the DFPI (earlier known as the Department of Business Oversight) exercises oversight over financial services organizations.
Better Credit Service USA is known for its comprehensive and effective services that help you remove inaccurate items in your credit reports and equip you with the knowledge necessary to maintain a high credit score. Apart from finance professionals, the Los Altos-based team also includes qualified credit repair attorneys for California.
Past clients’ feedback is vital in credit repair services, and it’s an area where this California credit repair company scores very highly. We also like the informative website that details what you can expect from the firm’s credit repair process. The site also has a helpful FAQ page that answers many of consumers’ typical credit repair questions.
The firm offers two payment plans, with monthly or one-time costs. The Silver plan has a one-time enrollment fee of $249, and a monthly fee of $199. The more expensive Platinum plan has a custom fixed fee. You will have to get in touch with the company for a quote and they promise a shorter resolution time.
We like the flexibility of month-to-month and one-time offered between these two plans. The overall fee is significantly higher than the national average for credit repair companies of about $99 per month. Of course, fees for credit repair services in California seem to be higher in general.
Another issue is the limit on negative items in your credit report. The Silver plan has an upper limit of eight items, while the Platinum plan limits items to 10. In most cases, the number of disputable items is likely to be smaller than these limits. However, if you are among the few who end up having many such items, you will have to extend the contract with the firm, which will cost you extra.
Blue Water Credit is another option for the best credit repair in California. The firm also focuses on both credit score restoration and credit-related education and has a California credit repair attorney team to support its finance experts. However, the area where the firm stands out is its unique payment plans.
One, you get the option between individual and couple packages, the latter saving you substantial expense if both you and your spouse require credit repair services. Two, the company doesn’t have a fixed cost for its services and will consult with you before quoting its overall fee.
Thus, its website only mentions a range for the two packages—between $149 and $199 monthly for the individual package and between $249 and $299 monthly for the couple’s package. The one-time set-up charges are $249 for the former and $399 for the latter, which is on par with other credit repair companies in California.
We also liked that this California credit repair company states that you will be assigned a dedicated case manager to advise you and liaison with credit reporting agencies. Other highlights include an online customer portal, email and phone support, and no-risk cancellation and refund policies. Moreover, you get weekly education material for guidance on keeping your credit score up once you have stopped using the firm’s services.
On the negative side, the information on the firm’s website seems to indicate that its California credit repair does not cover the entire state, even though most major locations are covered. We have also found several reviews that mention unresponsive customer service as well as unsolicited marketing communication—two extremes that can prove a bother for consumers.
Unlike most credit repair companies in California that advertise their extensive team of finance and legal professionals, 740Plus stands out for its focus on one man, Dave Schram. Schram has been working in consumer credit since 1998 and is nationally recognized for his expertise in the field. A success rate of more than 90% adds to the firm’s credibility.
Another major factor in strengthening your confidence in the firm’s ability is its success-only fee plan. There are no monthly charges, and you pay only if some or all of the negative items in your reports are deleted due to the firm’s efforts. The downside is that even the starting success fee is quite high at $500. For current rates, you’ll have to email the firm.
Because of its focus on one expert’s services, there are some other apparent issues with this California credit repair business. You won’t get dedicated attention from one case expert. The firm will work with third-party credit repair lawyers in California. Finally, you will not get some services like credit score tracking and detailed credit-related education.
These services are auxiliary to the actual credit repair process, so if your only aim is assistance in credit score restoration, 740Plus will serve you well. Also, note that given the success-only fee system, the firm has a higher chance of refusing your case after the initial free consultation if it feels that repairing your score will be difficult.
While Infinite Financial Firm provides its credit repair services across California, its primary focus seems to be on Los Angeles, Beverly Hills, and Westwood. Despite being the youngest firm in our list, it has built quite a reputation with its A+ rating, high success rate, and affordable services.
Its website mentions its three-step process of review, challenge, and change multiple times as if it’s a unique system. The typical credit repair process always involves these three steps; however, hiding behind these descriptions is the fact that this California credit repair company doesn’t seem to offer a free consultation, commonly provided by other companies offering credit repair in California.
Another crucial aspect of the company’s process is its customized repair plans and the corresponding pricing. Customized strategies are definitely a plus because the credit report issues can vary significantly across clients.
On the other hand, customized pricing means no indication of the actual numbers on the website. Based on past clients’ reviews, we can gather that its services are relatively cheaper than the competition. The lack of pricing indication, however, or even published results on the website makes the decision-making difficult for potential clients.
Now you have the crème de la crème of credit repair services in the Golden State. Before signing on the dotted line with any company offering credit repair in California, however, make sure that they can take care of items you need removing, you’re comfortable with their process and customer interaction, and most importantly, that their services fit your budget. This will increase your chances of getting your credit score where it needs to be, with as little stress as possible during the process.