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Find the Best Credit Repair Companies in San Diego, CA

If you think your credit score has inaccurate information, or you have past financial difficulties that remain on your credit report, a credit restoration company might be able to help. Credit repair services evaluate credit bureau reports and challenge items that might qualify for removal. We researched the best credit repair in San Diego to help you improve your score.

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Compare Top Credit Repair Companies

Overall satisfaction rating
  • 3 reports every 45 days
  • Services start at $59.99
  • Debt settlement education
  • Available in San Diego

Clean up your credit report!

Learn More (478) 845-6310 Read More
Accredited Partner
Sky Blue Credit Repair
Overall satisfaction rating
  • Goodwill letters
  • $69 per month
  • Debt validation
  • Available in San Diego

Sky Blue Credit Repair is a credit repair and restoration company. Their counselors are paid by salary, not commission. The firm offers help to individuals and families looking to clean up their credit histories and learn how to improve their financial lives and offers faster disputes than other companies with a rate of 15 items every 35 days.

Learn More (888) 751-6072 Read More
Accredited Partner
The Credit People
Overall satisfaction rating
  • Available in San Diego
  • Get started for just $39
  • Pay as you go, cancel anytime
  • 32% avg. increase in credit score

Raise your credit score in as little as 60 days by working directly with the credit experts at The Credit People. Your credit expert will develop a credit improvement strategy that includes challenging and removing questionable items from your credit report.

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Accredited Partner
The Credit Pros
Overall satisfaction rating
  • Available in San Diego
  • $99/month for individuals
  • Personal planning
  • Easy-to-read reports

The Credit Pros is a national credit repair company dedicated to helping clients remove inaccurate information from their credit reports.

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Lexington Law
Overall satisfaction rating
  • Credit education
  • Several repair options
  • Starting at $89.95/month
  • Available in San Diego

Lexington Law is a credit repair and credit education firm that helps people all over the United States find affordable and legal ways to dispute credit inaccuracies and repair bad credit. They are staffed with attorneys and paralegals trained in credit law and consumer protection statutes.

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Benefits of credit repair in San Diego

San Diego skyline

The average credit score in San Diego is 694, slightly higher than the national average of 675 and California’s average of 680.

For consumers considering an investment that requires a loan, credit score improvement can result in lower interest rates and higher credit lines. In San Diego’s competitive housing market, being better qualified for a mortgage can make a difference.

For those with past financial difficulties, credit repair might help regain creditworthiness. Credit repair services can help you dispute unverified items on your report relating to:

  • Foreclosures
  • Identity theft
  • Late payments
  • Bankruptcies
  • Charge-offs

Consumers have the right to review information in their credit reports. You can obtain one free copy of your credit report per year. If you find inaccurate information, you have the right to challenge it. You can write to the credit bureaus yourself, but a credit repair company can challenge reporting agencies on your behalf, for a fee.

How to get credit repair services in San Diego

The process typically begins with a free consultation, which some companies offer online. Depending on the level of service, the credit repair company will contact credit bureaus and collections agencies to dispute accounts that you think are inaccurate.

Make sure you understand your responsibilities if you enter into an agreement with a credit services organization. Most credit repair services in San Diego charge a monthly fee. Various levels of service, with accompanying fees, are suggested for different financial situations. Some services have a work start or enrollment charge.

Many credit repair companies offer online monitoring and send you reports in the mail. Cases are commonly handled by a team of representatives. Depending on your current credit score and other issues, the process can take from 45 days to six months. Building good credit history takes several months to a year.

A reputable credit services organization (CSO) will follow the laws set by the California Credit Services Act and the Credit Repair Organizations Act. CSOs must register with the California Department of Justice and file a surety bond with the California Secretary of State. The Better Business Bureau provides information for California consumers considering credit repair in San Diego.

The City of San Diego offers advice for spotting scams. Some warning signs that a company is not following the law:

  • Charging advance fees
  • Offering to remove negative yet accurate information
  • Suggesting that you obtain a “credit protection number”
  • Using an employee identification number to create a new credit record
  • Advertising a “quick fix” for credit problems

San Diego Credit Repair Reviews

Accredited Partner

Credit Saint

Credit Saint sets themselves apart by assigning a specialist to call you each month to discuss your case. Based in New Jersey, this company has many positive reviews with improved credit and great customer service. They offer a 90-day money-back guarantee.

Credit Saint Learn More (478) 845-6310
Accredited Partner

Sky Blue Credit Repair

Sky Blue Credit Repair, based in Florida, has been in business since 1989. The company offers a couple’s discount. The majority of San Diego reviewers experienced real results and friendly, responsive customer service.

Sky Blue Credit Repair Learn More (888) 751-6072
Accredited Partner

The Credit People

At The Credit People, certified and trained representatives make unique plans for every situation. With their Unbeatable Satisfaction Guarantee and low monthly pricing, customers with low credit can afford to improve. Customers describe the customer service representatives as accessible and informative.

The Credit People
Accredited Partner

The Credit Pros

The Credit Pros has offices in New Jersey. Reviews are mixed. Some report progress on scores while others are frustrated with mediocre customer service. For San Diego’s many Spanish-speaking residents, Credit Pros offers free consultations in Spanish.

The Credit Pros

Lexington Law

Lexington Law employs lawyers and paralegals, and trains representatives in consumer law and advocacy. San Diego clients will appreciate that this firm has offices in Southern California. While some said their credit scores improved, many reviewers reported that customer service was unresponsive or difficult to reach. San Diego military families should ask for the military discount.

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