We are not a debt consolidation agency; we are a credit repair company. While some credit repair agencies may handle debt consolidation, our company focuses on credit services rather than debt consolidation. Paying debts off, credit cards, or other debts, on your credit report does NOT guarantee the account will then be deleted or removed from your credit history. Our credit score specialists can help you create a healthy, handcuff-free financial future. By evaluating your credit, we are able to unmask the specific items that are damaging your credit score.

Ultimately, the art of credit repair lies not in paying for shortcuts but in understanding the system, asserting your legal rights, and taking control of your financial future. Since you can dispute errors for free, paying a third party often provides little more than convenience. However, some consumers may choose to hire a company if they are overwhelmed or prefer professional assistance. A legitimate credit repair company will be transparent, follow legal guidelines, and never ask you to break the law.

More From Credit Score

This is called a hard inquiry and can briefly lower your credit score by a few points. If you truly need new credit—such as a debt consolidation loan—don’t apply until you find loans you’re likely to qualify for. We also considered any additional features these credit repair companies provide, such as credit monitoring and identity theft protection services. Check out our guides to the best credit monitoring and best identity theft protection services. There is no accreditation specific to the credit repair industry, so we emphasized reviews from sources like the BBB, Trustpilot, and the CFPB’s complaint database.

Why Do You Need Credit Repair?

Second, keep your credit card balances low–use less than 30% (ideally 10%) of your credit limit on any credit cards you have. Even if you don’t use the credit card, having a longer credit history can help boost your score and improve your credit report card. The free report from the credit bureaus is a credit repair guide to help you evaluate where you are at and identify areas of improvement. creditrepair can also get a free credit consultation and advice from credit services on how to better manage your money and maintain a good credit score. 007 Credit Agent provides financial advice to individuals and businesses in the San Diego area. It helps clients restore credit scores, handling issues concerning past dues, high-interest accounts, credit card limits, and errors in credit reports.

Acquiring all three reports gives you a comprehensive view of your credit history. With so many credit repair companies out there, picking the right one can feel overwhelming. Make sure any company you consider offers a free credit consultation and report analysis.

In the past, it seems this company has limited disputes to 15 a month—five for each of the major credit bureaus. To help you find a reputable credit repair service, we’ve researched over a dozen companies, analyzing their services provided, pricing, transparency, time it takes to see results, and company reputation. Their fees are subject to change, but all figures on our list are current as of July 22, 2024.

How Much Do They Charge?

If you’re asking yourself, “Who can fix my credit now in Los Angeles?”, you’re investing not just your money, but also your time. We honor this by ensuring our team is the very best in the industry. Credit repair involves enhancing your creditworthiness, usually by identifying inaccuracies in your credit history and disputing them with credit reporting agencies. If your report is accurate, other strategies such as consistently paying your bills on time and reducing your overall debt can also improve your credit score.