Accredited Partner
Credit Saint
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Accredited Partner
Sky Blue Credit Repair
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Sky Blue Credit Repair is a credit repair and restoration company. Their counselors are paid by salary, not commission. The firm offers help to individuals and families looking to clean up their credit histories and learn how to improve their financial lives and offers faster disputes than other companies with a rate of 15 items every 35 days. |
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Accredited Partner
The Credit People
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Raise your credit score in as little as 60 days by working directly with the credit experts at The Credit People. Your credit expert will develop a credit improvement strategy that includes challenging and removing questionable items from your credit report. |
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Creditrepair.com
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CreditRepair.com goes beyond one-time credit repair to help clients achieve lifetime credit success. They do more than remove negative items from a credit report |
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Accredited Partner
The Credit Pros
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The Credit Pros is a national credit repair company dedicated to helping clients remove inaccurate information from their credit reports. |
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Lexington Law
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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:
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.
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.
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:
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:
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.
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Credit Saint |
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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. |
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Learn More (478) 845-6310 |
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Sky Blue Credit Repair |
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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. |
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Learn More (888) 751-6072 |
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The Credit People |
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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. |
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Creditrepair.com |
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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. |
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The Credit Pros |
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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. |
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Lexington Law |
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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. |
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