Credit Saint
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Improve your credit score! |
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Learn More (478) 845-6310 | Read More |
Sky Blue Credit Repair
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Charges $79 setup fee. Monthly fees start at $79. Typical customers see credit score improvement results within 30 days. Offers 90-day money-back guarantee. No cancellation charges. Available nationwide. |
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Learn More (888) 751-6072 | Read More |
The Credit People
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Offers repair services for bad credit. $79 per month. Could positively affect your credit score within 60 days. Employs certified representatives. Credit solutions available on the company’s website. |
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The Credit Pros
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Setup fees range from $19 to $149. Monthly fees from $19 to $119. No money-back guarantee. Cancel credit repair services any time. Available nationwide. |
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Learn More (844) 441-1397 | Read More |
Creditrepair.com
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Charges one-time $14.99 fee to pull credit reports. Monthly fee is $99.95. Average credit score improvement results within six months. No money-back guarantee. Cancel account anytime. Available nationwide. |
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Learn More (855) 579-9181 | Read More |
Lexington Law
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Innovative Credit Solutions
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Location
2105 24th St., Ste. 200
Bakersfield, CA 93301
(661) 369-8130
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Alliance Credit Repair
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Location
1523 Panama Ln., Ste. E-101
Bakersfield, CA 93307
(888) 370-0082
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Read More |
The average credit score in Bakersfield was 642 in 2017, placing it well below the national average FICO score of 704. If you have bad credit, you may have fewer options when applying for loans or credit cards. Having a high credit score has multiple benefits, including:
Because of the importance of your credit score when applying for loans, Bakersfield residents should look into credit repair months before applying for home mortgages and vehicles loans. While consumers have the right to review and dispute their credit reports, it can be a confusing and time-consuming process. Credit repair companies save customers hassle by doing the work for them.
Most credit repair companies in Bakersfield offer a free consultation to determine if credit repair can help improve your score. If you choose to work with a company, you will generally make monthly payments. While federal law prevents credit repair companies from charging an upfront fee, you may be required to pay the cost of requesting your credit report.
Credit repair companies first retrieve your credit report and then dispute incorrect information that negatively impacts your credit score. Some customers in Bakersfield see results in as soon as a month, but typical customers spend six months on credit restoration and see results within a year of beginning credit repair.
After you enroll in services, a credit restoration company might assign a specific representative or team to your case. Some companies provide general customer service. Many credit repair companies in Bakersfield also give clients access to online account tracking.
Credit repair companies must comply with the Credit Repair Organizations Act. Be sure to watch for red flags that a company may be a scam. These warning signs include:
Finally, check the Consumer Financial Protection Bureau to find any complaints against a company before signing up.
Credit Saint |
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Credit Saint assigns its customers a team of specialists to review and dispute negative, inaccurate credit report items. The company has a 90-day money-back guarantee and an A+ rating with the BBB. The company offers financial education, and customers in Bakersfield say they appreciate the company’s online tools. |
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Learn More (478) 845-6310 |
Sky Blue Credit Repair |
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Sky Blue Credit Repair offers a 90-day money-back guarantee and provides service online and by phone. The company’s website has a user-friendly interface that allows individuals to track their progress. Reviewers in Bakersfield appreciate the company’s excellent customer service and thorough explanations of the credit repair process. |
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Learn More (888) 751-6072 |
The Credit People |
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The Credit People has more than 15 years of experience in the credit repair industry. The company takes a personal approach to credit repair and provides an individual analysis of your credit report to find the best solution to raise your credit score. Bakersfield customers rate the company highly for its satisfaction guarantee and quick results. |
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The Credit Pros |
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The Credit Pros serves Bakersfield with online and telephone services and offers unlimited dispute letters as part of their service. The company provides easy-to-read credit reports and monitors your credit score at no additional charge. Bakersfield clients appreciate the understanding customer service agents, and many people report positive progress on their credit score. |
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Learn More (844) 441-1397 |
Creditrepair.com |
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Creditrepair.com offers a free credit consultation and score evaluation. The company provides a mobile app that allows you to track your progress 24/7. Reviews from Bakersfield customers are mixed, with some recommending the company and others encountering difficulty communicating with the company’s employees. |
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Learn More (855) 579-9181 |
Lexington Law |
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Lexington Law assigns attorneys and paralegals to your credit restoration case. The company offers three levels of service, and it removed more than 10 million negative items from its clients’ credit reports in 2017. Many Bakersfield customers rate the company highly for its knowledgeable and helpful paralegals. |
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Innovative Credit Solutions |
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Innovative Credit Solutions is a credit counseling service based in Bakersfield. The company’s counselors provide customized strategies to help you increase your credit score and specialize in repairing credit for people attempting to qualify for a home loan. Local customers rate the company highly for its professional approach and results. |
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Alliance Credit Repair |
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Alliance Credit Repair is a local Bakersfield company experienced with consumer, mortgage and business credit. The company offers a free consultation and credit analysis, and it provides 24/7 tracking so you can see updates to your credit score. Customers consistently gave the company high marks for excellent customer service. |
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