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Find the Best Credit Repair Companies in Santa Barbara, CA

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. We researched the best credit repair in Santa Barbara to help you get your credit history back on track.

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Compare Top Credit Repair Companies

Credit Saint
Overall satisfaction rating
  • Available in Santa Barbara
  • 90-day guarantee
  • A+ BBB rating
  • Full credit restoration

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Learn More (478) 845-6310 Read More
Sky Blue Credit Repair
Overall satisfaction rating
  • Available in Santa Barbara
  • Negotiation guidance
  • 90-day guarantee
  • 15 disputes every 35 days

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.

Learn More (888) 751-6072 Read More
The Credit People
Overall satisfaction rating
  • Available in Santa Barbara
  • 32% avg. increase in credit score
  • Creditor interventions
  • Debt & inquiry validations

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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Overall satisfaction rating
  • Available in Santa Barbara
  • Starts at $99.95/month
  • 24/7 monitoring & alerts
  • Partner with all bureaus

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.

Learn More (833) 334-6899 Read More
The Credit Pros
Overall satisfaction rating
  • Available in Santa Barbara
  • Free consultation
  • Credit advice
  • Easy-to-read reports

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.

Learn More (844) 441-1397 Read More
Lexington Law
  • Available in Santa Barbara
  • 3 service repair options
  • Services start at $89.95
  • 24/7 online monitoring
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The need for credit repair in Santa Barbara


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 Repair Company Reviews

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.

Credit Saint Learn More (478) 845-6310

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.

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

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.

The Credit People


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.

Creditrepair.com Learn More (833) 334-6899

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.

The Credit Pros Learn More (844) 441-1397

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.

Lexington Law