Best Credit Repair Companies in Hawthorne

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AM Credit Club logo

AM Credit Club

450 N Brand Blvd STE 600,, Glendale, CA 91203
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  • Credit Monitoring

AM Credit Club is a company that serves the Hawthorne area. It offers consultation and credit restoration services to help consumers attain financial stability. It conducts reviews of its clients’ reports to identify derogatory marks such as bankruptcies, charge-offs, collections, inquiries, late payments, and tax liens and challenges their validity with relevant agencies to have them corrected or deleted. The company also assists in establishing business credits and adding authorized users to increase FICO scores.

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DLBLF Financial Counseling logo

DLBLF Financial Counseling

1204 W Gardena Blvd Ste E, Gardena, CA 90247
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  • Credit Dispute

DLBLF Financial Counseling is a minority-owned business that serves clients in the Hawthorne metro and the surrounding communities. It provides credit repair services, including requesting reports from TransUnion, Equifax, and Experian. It also prepares documents to dispute inaccuracies in clients' credit reports. It helps in removing negative items, such as bankruptcies, collections, charge-offs, credit card debts, late payments, and student loans. The company is a member of the Gardena Valley Chamber of Commerce.

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Elite Financial Care logo

Elite Financial Care

1968 S. Coast Hwy. Suite #503, Laguna Beach, CA 92651
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  • Credit Audit

Elite Financial Care assists individuals and families in Hawthorne with credit repair solutions. It conducts credit analyses to review the credit scores and look into the accounts. It files disputes for negative items on reports, including repossessions, past delinquencies, missed payments, charge-offs, bankruptcies, and foreclosures. Elite Financial Care monitors clients' credit and offers monthly progress updates, coaching calls, and specialist support. It educates clients about building credit and savings and setting up spending budgets.

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Zenith Financial Group Inc. logo

Zenith Financial Group Inc.

15720 Ventura Blvd, Ste 612, Encino, CA 91436
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  • Credit Monitoring
  • Credit Audit

Zenith Financial Group Inc. offers several solutions to help clients in Hawthorne fix their low credit scores. Through consultation, its staff members assess the financial circumstances of individuals and present them with possible solutions. They take the lead in corresponding with bureaus and other institutions to correct or validate items that impact consumers' scores. They negotiate with creditors and lenders to make payments manageable for debtors by reducing debt interests. Founder Mani Hatami is a board-certified debt settlement and credit repair specialist.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Q: Is credit repair legal?

A: Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

Q: Can a credit repair company remove late payments?

A: Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

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