Best Credit Repair in Sacramento, CA

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by Kathryn Parkman ConsumerAffairs Research Team

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.

Top 11 Sacramento Credit Repair Companies

Sky Blue Credit Repair
Read 78 Reviews

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.

toll freenumber(844) 729-7792 Visit Website
Credit Saint
Read 47 Reviews

Charges initial work fee from $99 to $195. Monthly fees range from $79.99 to $119.99. Provides a 90-day money-back guarantee. Refunds limited to payments made for 90 days of service only. Available nationwide.

toll freenumber(844) 598-8459 Visit Website
Lexington Law
Read 1,510 Reviews

Provides free consultation and credit reports. Monthly fees range from $89.85 to $129.95. Customers see results within six months. No money-back guarantee. Cancel services anytime. Not available in Oregon or North Carolina.

toll freenumber(855) 464-9621 Visit Website
Read 28 Reviews

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.

toll freenumber(844) 211-7298 Visit Website
The Credit Pros
Read 34 Reviews

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.

toll freenumber(844) 335-5496 Visit Website
Allstates Credit Repair
Read Expert Review

Offers a money-back guarantee if their services do not remove 25% of the negatives in your report. Averages 60 - 100-point increases seen in as little as 35 days.

Blue Water Credit
Read Expert Review

Offers credit repair services starting at $149 per month. Packages include a $249 set-up fee for individuals and $399 for couples. Services include weekly consultations, personalized service and a dedicated case manager.

CRE Credit Repair Services of Sacramento
Read Expert Review

Offers a 7-stage program to remove as many negatives as possible from credit reports effectively. Guarantees the highest level of security and privacy for your information.

Credit Connectors
Read Expert Review

Provides affordable, effective credit repair services. Results include removing a client’s 120-day late mortgage payment and state tax liens.

Freeman Credit Counseling
Read Expert Review

Offers free consultations, analyses and recommendations. Provides plans that include a 100% money-back guarantee and 24/7 access. Plans start at $59 per month.

Sacramento Credit Repair
Read Expert Review

Averages 40% removal of negative items and a 70-point increase for customers. Offers 24/7 online access to progress and information to keep customers in the loop at all times.

sacramento skyline

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 complaints 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.
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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:
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:
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:
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:
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:
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:
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Profile picture of Kathryn Parkman
Kathryn Parkman ConsumerAffairs Research Team

As a member of the ConsumerAffairs Research Team, Kathryn Parkman believes everyone deserves easy access to accurate and comprehensive information on products and businesses before they make a purchase, which is why she spends hours researching companies and industries for ConsumerAffairs. She believes conscious consumption is everyone's responsibility and that all content deserves integrity.

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