1. Home
  2. Credit Repair

Best Credit Repair Companies in Santa Barbara, CA

Jan. 24, 2020, 1:18 a.m.

Hiring a credit repair company to improve your credit score has numerous benefits, including lower interest rates on your mortgage, easier approval on new lines of credit and better results on a potential employer’s credit check. Our partners at We researched the best credit repair in Santa Barbara to help you get your credit history back on track.

×
#1
MOST POPULAR
Credit Saint

Sign up & save!

VISIT WEBSITE
CALL CREDIT SAINT
(478) 845-6310
Sponsored Ad
#1 MOST POPULAR
Credit Saint
Credit Saint
Features
  • Available in Santa Barbara
  • 90-day guarantee
  • A+ BBB rating
  • Full credit restoration
Read More
VISIT WEBSITE
CALL CREDIT SAINT
(478) 845-6310
Sponsored  Ad
#2
Lexington Law
Lexington Law
Features
  • Available in Santa Barbara
  • 3 service repair options
  • Services start at $89.95
  • 24/7 online monitoring
Read More
#3
The Credit People
The Credit People
Features
  • Available in Santa Barbara
  • 32% avg. increase in credit score
  • Creditor interventions
  • Debt & inquiry validations
Read More
VISIT WEBSITE
CALL THE CREDIT PEOPLE
(877) 696-3650
Sponsored  Ad
#4
Creditrepair.com
Creditrepair.com
Features
  • Available in Santa Barbara
  • Starts at $99.95/month
  • 24/7 monitoring & alerts
  • Partner with all bureaus
Read More
#5
Sky Blue Credit Repair
Sky Blue Credit Repair
Features
  • Available in Santa Barbara
  • Negotiation guidance
  • 90-day guarantee
  • 15 disputes every 35 days
Read More
VISIT WEBSITE
CALL SKY BLUE CREDIT REPAIR
(888) 751-6072
Sponsored  Ad
#6
The Credit Pros
The Credit Pros
Features
  • Available in Santa Barbara
  • Free consultation
  • Credit advice
  • Easy-to-read reports
Read More
VISIT WEBSITE
CALL THE CREDIT PROS
(844) 441-1397
Sponsored  Ad

The need for credit repair in Santa Barbara

skyline

The average credit score in California hovers around 680, slightly above the rest of the country. However, the Bureau of Economic Analysis estimates that living in Santa Barbara is 9.5% more expensive than the national average cost of living, and these added living expenses make it easy to rack up bad marks on your credit report.

Having bad credit in Santa Barbara could affect the results of a rental application, a bank’s loan approval or even an employer’s hiring decision. That’s why it’s important to take action to improve a poor credit score.

Raising your credit score helps you:

  • Qualify for credit cards
  • Get lower interest rates
  • Avoid needing a cosigner

Types of credit repair services

Credit repair companies in Santa Barbara dispute inaccuracies on your credit report and work with creditors to remove negative marks, like late payments, if they are false or unverifiable. They also offer credit counseling and advice on how to add positive information to your credit reports.

The credit bureaus have to respond to disputes within 30 days, so credit repair in Santa Barbara generally takes three to six months to resolve disputes on your credit report. However, actually raising your credit score can take years, depending on your financial history.

While you’re working with a credit repair company in Santa Barbara, take additional steps to improve your credit score such as paying your bills on time, avoiding late payments and monitoring your credit report.

How much does credit repair cost?

Prices vary between credit repair companies in Santa Barbara, but expect to pay about $70 - $120 a month for credit repair services. Some credit repair companies may charge you a fee for accessing your credit report as well.

Consider taking advantage of any additional services your credit repair company offers as well, such as credit monitoring or identity theft protection.

How to avoid credit repair scams

Be wary of credit repair scams in Santa Barbara that prey on people desperate to repair their credit score. When you work with a credit repair company, you’re entrusting them with your personal and financial data, so it’s crucial you select a company you trust. Here are some things to keep in mind as you make your selection:

  • If a company offers a free consultation, use that as an opportunity to get a feel for how they do business.
  • Make sure any potential credit repair company has years of experience and consistent reviews from happy customers.
  • Find a credit repair company that offers a money-back guarantee.
  • If your credit repair company offers credit counseling, make sure they’re on the Department of Justice’s list of approved credit counseling agencies.

California’s Credit Services Act sets standards and regulations for credit repair companies, which it refers to as credit services organizations. This law requires CSOs to register with the California Department of Justice and obtain a $100,000 bond. It also forbids CSOs in Santa Barbara from:

  • Lying to you
  • Removing accurate information from your credit report
  • Creating a new credit record for you
  • Charging you for services upfront

Under the U.S. Credit Repair Organizations Act, legitimate credit repair companies must provide a written contract with a three-day cancellation policy as well.

Use these policies as a litmus test for credit repair scams. Any credit repair company in Santa Barbara that doesn’t abide by these regulations isn’t worth trusting with your credit score.

Credit Saint

Credit Saint

CALL CREDIT SAINT

(478) 845-6310 VISIT CREDIT SAINT

Credit Saint is BBB accredited and prides itself on how fast it removes negative items from clients’ credit reports. Credit Saint lets customers choose from three levels of service and offers a 90-day, money-back guarantee as well. Customers praise the company for its honest service.

Sponsored Ad

Lexington Law

Lexington Law

With over 25 years of experience, Lexington Law has helped thousands of clients remove derogatory marks from their credit reports. Staffed by licensed attorneys in every state, Lexington Law strives to work efficiently, with clients reporting an average of 10.4 items erased within the first four months. Customer reviews are enthusiastic about how Lexington Law helped them.

Sponsored Ad

The Credit People

The Credit People

CALL THE CREDIT PEOPLE

(877) 696-3650 VISIT THE CREDIT PEOPLE

The Credit People has removed over 1.4 million issues from its customers’ credit reports and estimates a 53 - 187 point improvement on clients’ credit scores. This company also provides customers with 24/7 access to their credit reports and its fully-trained staff. Reviews recommend the company for its impactful results.

Sponsored Ad

Creditrepair.com

Creditrepair.com

CreditRepair.com aims to offer more than short-term solutions for its clients. Instead, this tax repair company provides long-term financial counseling so clients can improve their credit and keep it that way. Reviewers from California applaud CreditRepair.com for raising their credit scores.

Sponsored Ad

Sky Blue Credit Repair

Sky Blue Credit Repair

CALL SKY BLUE CREDIT REPAIR

(888) 751-6072 VISIT SKY BLUE CREDIT REPAIR

In business since 1989, Sky Blue Credit Repair treats each client as an individual and offers detail-oriented credit repair services along with free consultations. According to online reviews, Sky Blue impressed California customers with its trustworthiness.

Sponsored Ad

The Credit Pros

The Credit Pros

CALL THE CREDIT PROS

(844) 441-1397 VISIT THE CREDIT PROS

With over 15 years of experience, The Credit Pros works quickly to remove bad marks from clients’ credit reports and improve their credit scores. Customers in California appreciated having the company’s experience and dedication on their side.

Sponsored Ad
Advertising Disclosure: Learn more.

The information on our website is general in nature and is intended for informational purposes only; it is not legal, health, investment or tax advice. ConsumerAffairs.com makes no representation as to the accuracy of the information provided and assumes no liability for any damages or loss arising from its use. We may receive advertising revenue from some partners. See our FAQs for more information. At ConsumerAffairs we take privacy seriously, please refer to our Privacy Policy to learn more about how we keep you protected. You’re responsible for yourself so please remember that your use of this site constitutes acceptance of our Terms of Use. Copyright © 2020 Consumers Unified LLC. All Rights Reserved. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission.