My husband and I have had the opportunity to utilize Bill Ipsan's services regarding credit reports and concerns involving fraudulent activity and the misuse of our personal information. From the very beginning, Bill provided us with a tremendous sense of ease and comfort during what could have been a very stressful situation. His knowledge, professionalism, and expertise are truly exceptional. If you have concerns about your credit, identity theft, fraudulent activity, or your personal information, don't think twice--call Bill Ipsan! You will be in excellent hands. We highly recommend his services! read more

I am sharing my experience to help others make informed decisions before engaging Bill Ipsan or Ipsan West. Over several years, I paid for credit-related services and repeatedly requested documentation showing that Mr. Ipsan and his company are properly registered as a Credit Services Organization (CSO) with the California Department of Justice, as required under the California Credit Services Act (Civil Code §1789.10 et seq.). Despite multiple written requests, no CSO registration or surety bond information has ever been provided, and the DOJ confirmed that neither Bill Ipsan nor Ipsan West appears on the state's CSO registry. Based on my review of California law and my own experience, I observed several potential compliance issues, including: * Advance fees collected before full performance (Cal. Civ. Code §1789.13(a)); * Missing disclosure of the surety's name, address, and the buyer's bond-claim rights (§§1789.14-1789.15); * Failure to complete services within 180 days of contract execution and no valid justification for delay (§1789.15(a)); * No agent for service of process identified in the contract (§1789.16(a)(4)); * Marketing and contracting for "credit services" while unregistered (§§1789.13(j), 1789.25). I have provided this information to the District Attorney and Attorney General for review. My goal is not personal -- only to document my experience and encourage others to verify registration, bonding, and performance timelines before engaging any credit-service provider. read more

Ipsan West - All of the companies registered under Ipsan West. None are registered. This has been confirmed by the DOJ. CSO.Registration@doj.ca.gov - Financial Advising Near Me - San Diego, California

To say Ipsan West had been a blessing to family and myself would be a injustice to the amount of fortitude, valor and integral service. To keep this review concise I will confess that because of their service I was able to get a loan for the wedding ceremony for myself and now wife. And then again to be bless with another loan to be used for our IVF and had enough left over to be shelter is from the government shut down. Good bless and thank you to all the associates at Ipsan West. And look forward with working with you for business credit read more

My good friends from Ipsan west are amazing! I went from a low 600 score up to a 705 score within 9 months. They are a great team with a positive attitude. I'd give them a six star if possible. read more

Ipsan West worked with me to help me with my finances and credit to build, repair, and take care of my mess from not understanding what I was doing. Bill and his team are amazing. They helped me through every process. It has been worth every bit of my time, money, and helped me build my Credit Scoore and tought me the importance of Fico Score. And Credit Grade, Debt percentage and how they work as well as Debt to Income. They worked with some of my passed Banks, Cards & Credit Unions and was able to help me reclaim my Financial Freedom and get me on a track that I fell more confidant in my trace. Bill has been super helpful. And had grate advice for every question I brought and helped me walk through each hurdle im super greatful. I know some accounts were much harder then others. They never took some but not others. They did a great consolation and gave me a game plan and worked with me to get on a good track. I would recommend there help to anyone in need and tell them do it exactly as he lays it out. So they get the best results they can for you. It's not there first Case. Im greatful for that advice. Bill has always been prompt to return calls and staff was professional and kind. " Always" The team that worked with me was straightforward and helpfull. If you are on the face asking for help I would say its one of the best decisions I made to getting back on trace. My advice with be call them and let them give you a plan and hear them out and give it some though. I am greatfull I did. read more

Ipsan West - Financial Advising Near Me - San Diego, California

I have been a client of Bill and his team for a couple years and it's been a series of peaks and valleys with regards to my personal and financial life. And throughout this time, Bill and his team have been great active listeners showing top-tier empathy and in no way ever tried to rush the process beyond what I was capable of doing. Now that it is 2025 things are doing better both health wise and financial wise. And today I have taken the first step towards repairing my credit with Bill and his team. I am a retired combat veteran and currently a Nurse. I highly recommend this company. read more

These guys are worth there weight in gold. They got rid of a stupid collection in 2 hours for 1/2 the price of the original debt. They saved me over 2k a month on my new mortgage. There work got my rate down and my credit score way up. Very fast. Thanks Bill.. read more

Bill has provided me with occasional consultation and advice regarding my issue and has always been available for discussion, but yet surprisingly has never charged me a dime. He is cordial, attentive, nonjudgmental, and an overall easy person to talk regarding your situation. His fee is reasonable if I ever decide to use his service. He gives sound advice and never pushes his service down your throat. That is the type of customer service you can come to expect from Ipsan West & Co. I will definitely keep his name in mind and would recommend him to anyone without hesitation. read more

Ipsan West did an amazing job for me! Bill and his team were seemless. They took the time to walk me through my credit issues and did exactly what was promised. After about 6 months my scores went up to more than 720!!! I saw this other guy had a beef on a review, but for me they were awesome. They removed lates and collections, some open and some already paid through the pandemic. That hurt me a lot but I am back on track thanks to Bill and his team. Thanks for my new life! read more

Ipsan West - My new scores!! - Financial Advising Near Me - San Diego, California

This is an update to my review I posted on 08/08/2024. I sent Bill my money on 09/06/2023 and after months of requesting my money back. I finally received it on 08/30/2024. read more

Bill is amazing on what he does to repair credit. I've used Bill for almost 12-13 years. He helped us get out of a bad credit situation and got our credit score to good standing. We were able to purchase a new home because of his help. I recently had a minor issue during the COVID years. He has successfully repaired that issue and my credit score is over 800. I've been able to open several credit cards and receive amazing car financing. I recently got approved for a Chase Sapphire Preferred card with a credit limit of $24k. All this was possible with Bill by our side. Thank you Bill! read more

Ipsanwest Credit Repair is the BEST!!! I have worked with many credit repair agency's in the past. I have never had one that took the time to constantly keep in touch with me and update me like Ipsan/Bill Ipsan. I have used Bill Ipsan 3 times now in the past 14+ years, unfortunately because I had a few problems (like most people do in these times) and Bill at Ipsan West have been there for me each time and produced R*E*S*U*L*T*S each time! Ipsan West is quick, efficient, knowledgeable, and very affordable. I have had many other credit agencies quote me pricing for credit repair in the past before Ipsan West, and none have come close to the pricing that Ipsan West has given me. Bill Ipsan has continually, produced, produced, time after time. And this is not just for me. I work in the mortgage industry and anytime my clients have credit issues, Bill gets the call, and Bill Ipsan has produced time and time again. With no exaggerations, I have referred over 2 dozen client to Ipsan West and all have been satisfied with his work and the outcomes of their process and finished credit ratings. Keep up the great work Bill. read more

Bill was quick to reply with all the information I needed, and he was beyond helpful he even gave me extra pointers to help me raise my credit score! Thanks Bill! read more

After four years of not knowing where to go or who to turn to, I confided with a friend who had experienced similar difficulties with credit. He recommended Ipsan West. If it hadn't been for the referral from this trusted friend, I might have been leery about using someone 500 miles away. Our conversations were all via phone and email. Being unfamiliar with the process, I didn't realize how much was actually being done on my behalf. Bill Ipsan and his amazing team worked diligently behind the scenes to clean up my messy credit history. I stopped receiving daily phone calls from creditors and threatening letters in the mail. Bottom line, in less than four months, my credit score went from the mid-400s to 700! I'll continue to work with Bill, as I still have unfinished business. But, he's also someone that I, myself, wouldn't hesitate to recommend to anyone who'd like to clean up their credit. I couldn't thank the Ipsan Team enough, as I now see daylight after a pretty dark couple of years. read more

Ipsan West credit is the only company I would trust with my credit. I saw a huge difference with my credit within the first 6months I worked with them. Bill explains everything that he will do and gives you a timeline. He gives you updates and is easy to call with questions. read more

Bill has been very thorough and thoughtful during the entire process of helping me clear something that went to collections several years ago. I am very grateful and I recommend his services to anyone wanting to improve their credit score. read more

I have used his services personally and in very short order was able to enable us to purchase our home. We then sold it for a profit. So I could then draw a straight line from our credit to our profit and Bill and his team are definitely a major reason for it all going down. I have forwarded his contact many, many times. Not once have I had someone tell me they were unhappy. He is also hands down trust-worthy. I had deposited money in the trust account and without me even being aware, he was so honest that he returned the money since he did not use it. Truthfully, I would not have known if he needed it or not. I took him at his word and it was worth it. read more

I highly recommend Ipsan West! Bill is the best in the industry! He has assisted us twice now and delivered excellent service! He's professional, knowledgeable, super friendly, and transparent. read more

Ipsan West was an amazing company to deal with. They were very prompt in their response. Mr. Ibsen answered all my questions and gave me sound advice that prevented me from spending hundreds of dollars on something I didn't need as it relates to credit repair. I would recommend them wholeheartedly! read more

Bill Ipsan is the best credit repair buisness I've ever found. In the past I tried others and only found disappointing results. Bill is the best! I can't say enough or thank Bill enough for helping me straighten out my credit.. THANKYOU BILL read more

I had reached out to get some help, and what I needed was simple enough for them to give me instruction on how to accomplish what I needed without charging me a consultation. Prime example of offering value with their service and truly having a servants heart. read more

I have work with Bill and Ipsan West group now for going on 7 years, I got to say couldn't ask for better group people to help take care Financial, derogatory credit, debt collectors and credit rebuilding. Bill hands down the best I have ever worked with. I have recommended him to family and friends with great response them and relive from debt collectors. I will continue to recommend the Ipsan West family to everyone. read more

The absolute best. Helped me get my credit in order by getting me on a consistent payment plan to pay down old debts and got a bunch of negative things removed. Have seen a significant and consistent increase in my score. Bill and his team are amazing! I can't recommend them enough! read more

Life has dealt me a rough road to credit not by my own doing, and through all my struggle and trial and tribulations I found Ipsan, and thank God I did! I am so immensely grateful for Ipsan and the entire staff to help me to get my credit from way below Zero up to an incredible height! Thank you and much gratitude for all the work and help and advise you have given me to enter back into the world! xox read more

I can not Thank Mr. Ipsan and his team enough. They worked so hard in getting my credit back in check. All the time and effort that his office staff and himself put into my particular situation..I will forever be grateful. Thank you again. read more

Bill was extremely helpful. He helped me clean up my credit and taught me a few tips along the way that are still helping me maintain a good score today. His prices are reasonable and worth every penny. I have referred friends to him that he is also helping. He is so committed to his clients. Thank you Bill! read more

I have used Bill Ipsan for my friends & clients since I first got into real estate about 14 years ago. The only results I have seen from his work have been stellar. From big score jumps to the moderate ones we needed to get a refi and/or purchase done, he has made happen. He is always upfront with my clients, and is realistic in what to expect as far as job and price. In the subjective business that he's in, Bill provides surety and hard work every time. After being in real estate for 14 years, he is still my only go-to professional for credit repair. read more

To state that Bill Ipsan and his team did excellent work on our credit repair would be an understatement. They went right to work on our behalf with all three credit bureaus, correcting errors, removing false and out of date records, and updating information. Our credit scores went up significantly. We can't thank Ipsan West enough for helping us repair our credit so we could buy our dream home. We would recommend them to anyone without hesitation. read more

Bill Ipsan is a true professional. I have referred my clients to him for the past 15 years and will continue to do so in the years to come. He is worth the time and investment and will make a huge difference in your credit and finances. read more

Bill is an expert in credit repair. He has helped my uncle and I. My score has increased over 150 points in a couple months! I highly recommend his services. read more

There are areas of life where it's worth every penny to pay someone to do something unpleasant, so you don't have to -- and "credit repair" is one of those areas. Bill and his team are outstanding. His fees are reasonable and easy to understand. His responsiveness is remarkable -- over a four-month period I ALWAYS had my call or email responded to promptly, typically within a few hours (or less). I held up my end of the bargain, which amounted to scanning and emailing my credit reports as soon as I got them, and in exchange I saw my credit score improve by 70 points. And after the education I got from Bill about how credit scoring works, I am clear on how to take my credit to 800 and beyond. If you've been dreading getting your credit report cleaned up, I have good news: Bill is ready to take it on for you. read more

I really can't thank Bill enough. He is the reason why I was able to purchase my first home!!! He helped us every step of the way on optimizing our credit situation and gave us a great education on certain tips and tricks. I strongly encourage everyone to connect with Bill and his team to help you out on your credit score!!! He is fair and offers great payment plans too! Thank you again for the help sir. You are a life saver!!! read more

I initially connected with Bill around mid 2004. I have a mortgage background and have personally used Ipsan West for my own personal credit profile and shared him with friends and clients. From the very beginning to present day, Bill has been a consummate professional. His knowledge of the credit industry far exceeds what others claim to know. He doesn't make promises which no one should but he gives you his ultimate commitment that he will use every legal avenue to resolve your credit issues. You need to understand that these credit reporting bureaus have no interest in keeping your credit profile accurate despite being held to parameters mandated by the CFPB. They just report information, they don't verify it when it is initially reported. They only are held to standard of re-verifying that information when compelled to do it. As far as I'm concerned Bill is an Avenger (Financial Avenger) he will fight to insure that reporting is fair and accurate. His experience has helped so many people. We also need to make sure we compensate him fairly for the work he has done and continues to do. So please don't negotiate your fees. Give him and his team time to do their job. Don't worry your in good hands with Bill. Thank you Bill. You need to add him to your network of Avengers, those that have your best interest in mind and are loyal. read more

Bill Ipsan and his team are extremely knowledgeable, helpful and professional. Their advice has empowered me to make positive changes in my finances. If you need help negotiating your bills, understanding your credit or upgrading your credit, I highly recommend working with Bill and IpsanWest. read more