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Best Credit Repair in Sacramento, CA

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Written by Kathryn Parkman

Having bad credit can limit your purchasing power and ability to obtain a loan at an affordable price. Plus, your interest rates are higher — making the purchases you can make much more expensive. Sacramento residents can hire a professional to help raise their credit score and get their finances back on track.

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Top 11 Sacramento Credit Repair Companies

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    Credit repair services in Sacramento

    When looking to hire a Sacramento credit repair company, it’s crucial that you understand the laws governing the industry. Only then can you be sure that you’re working with a company that is reputable and safeguards your money and assets. For instance, one of these safeguards includes providing a clear and detailed sheet outlining all costs and possible services that may be required over a given period of time.

    Sacramento credit repair laws

    California has some of the strictest legislation when it comes to regulating credit repair companies. Federal regulations also require that all companies act with honesty, transparency and in their client’s best interests. All California credit repair companies must register with the state and follow the following rules:

    • Require no upfront payments
    • Perform credit repair services within six months
    • Make no grand statements about services or outcomes
    • Maintain a $100,000 surety bond to protect customers’ assets and investments

    Credit repair FAQ

    Is credit repair legal in California?
    Yes, credit repair is legal in California. However, there are regulations that all California credit repair companies must follow to operate legally.
    How much does credit repair cost in Sacramento?
    Most credit repair companies charge between $60 - $100 per month of services. How much you’ll end up paying depends on the severity of your case and how long it takes to resolve.
    How common are credit repair scams in Sacramento?
    Unfortunately, credit repair scams are common in Sacramento. With hundreds of credit repair companies in California, there are many opportunities for scams in the state. Since 2018, the number of issues regarding credit repair scams has risen 43%.
    Do you need a license to do credit repair in Sacramento?
    Yes, all California credit repair companies must obtain a license from the Department of Justice and renew it every single year.
    What are the different types of credit repair services in Sacramento?
    Local credit repair services include investigating your case, finding errors on your report and negotiating with federal and reporting bureaus to have these items removed. Typically, these things can be done by the consumer, but it’s faster and more effective to have them handled by a professional.

    Not sure how to choose?

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      Sacramento credit repair company information

      Sacramento Credit Repair

      Sacramento Credit Repair offers legal and ethical credit repair services. With its 24/7 online portal, customers are always in the loop in regards to their credit repair situation. Sacramento Credit Repair averages 40% removal of negative items and a 70-point increase for customers and reviews back this up.

      • Service areas: Sacramento and surrounding areas
      • Address: 333 University Ave., Ste 200, Sacramento, CA 95825
      • Phone: (916) 546-1392
      • Hours: By appointment
      • Website: sacramentocreditrepair.com
      Freeman Credit Counseling

      Freeman Credit Counseling offers free consultations, analyses and recommendations for all customers looking for reputable credit services. Fees start at $59 per month and include 24/7 access to customer portal and updates and helpful service. Plans also include a 100% money-back guarantee and no long-binding contracts that keep you paying for months after service.

      • Service areas: Sacramento and surrounding areas
      • Address: 8031 Fruitridge Road, Sacramento, CA 95820
      • Phone: (916) 465-3200
      • Hours: M - F: 10:30am - 5:30pm
      • Website: freemancredit.com
      Blue Water Credit

      Blue Water Credit provides personalized credit repair plans to help clients resolve issues faster and with more efficiency. Its team offers a risk-free, no-hassle consultation, plus debt settlement services to help customers find their specific solution with ease. Its credit repair services start at $149.

      • Service areas: Sacramento, Elk Grove, Citrus Heights, Davis, Folsom, Rancho Cordova, Rocklin, Woodland, Yuba City, Auburn, Galt, Grass Valley, Lincoln, Marysville, Placerville, South Lake Tahoe and Truckee
      • Address: 300 Harding Blvd, Suite 206, Roseville, CA 95678
      • Phone: (916) 315-9190
      • Hours: M - F: 9am - 5pm
      • Website: bluewatercredit.com
      CRE Credit Repair Services of Sacramento

      CRE Credit Services has experience dealing with all types of credit issues in Sacramento. Its team is fully registered and bonded. Services include a money-back guarantee to protect customers from scams. Expert credit repair specialists provide free consultations and world-class service that’s hard to beat.

      • Service areas: Sacramento and surrounding areas
      • Address: 980 9th St., Sacramento, CA 95814
      • Phone: (888) 799-7267
      • Hours: M - F: 9am - 5pm
      • Website: crecreditservices.com
      Credit Connectors

      Credit Connectors offers personalized approaches to credit repair. Its team is licensed, bonded and registered, and offers a free consultation on services. Credit Connectors shows real results online to give customers an idea of how effective and impactful their services can be. Reviews indicate the team is helpful, understanding and compassionate.

      • Service areas: Sacramento and surrounding areas
      • Address: 2210 Watt Ave., Sacramento, CA 95825
      • Phone: (916) 226-1077
      • Hours: M -F: 10am - 6pm; Sat: 9am - 1pm
      • Website: creditconnectors.com
      Allstates Credit Repair

      Allstates Credit Repair offers a money-back guarantee on its services if they can’t remove at least 25% of negative marks that they work on — meaning your money and credit is protected, and they’re working hard on your behalf at all times. Its team averages a 60-100 point increase for clients, who see improvements in as little as 35 days. Customers are eligible for a free consultation on services to learn what Allstates can do for them.

      • Service areas: Sacramento and surrounding areas
      • Address: 770 L St #900, Sacramento, CA 95814
      • Phone: (916) 209-0851
      • Hours: M - Sat: 10am - 11pm
      • Website: sacramento-creditrepair.net