Expertise.com

2024

Last updated:

Best Credit Repair Companies in Hawthorne, CA

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Hawthorne Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

67Reviewed

42Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider
Lexington Law logo

Lexington LawExpertise.com

Hawthorne, CA
Free Credit Report Consultation

Expertise.com Rating

Review Sources

Facebook
4.3 (2911)

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

  • Credit Repair
  • Consumer Credit Services

Hawthorne, CA

Expertise.com Rating

Why choose this provider?

Need help contacting a Credit Repair Company in Hawthorne? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

15720 Ventura Blvd, Ste 612, Encino, CA 91436

Expertise.com Rating

Review Sources

Facebook
4.9 (338)
Google
4.0 (223)

Why choose this provider?

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.

  • Credit Monitoring
  • Credit Audit

1204 W Gardena Blvd Ste E, Gardena, CA 90247

Expertise.com Rating

Review Sources

Google
5.0 (27)
Facebook
5.0 (6)
Yelp
5.0 (4)

Why choose this provider?

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.

  • Credit Dispute

450 N Brand Blvd STE 600,, Glendale, CA 91203

Expertise.com Rating

Review Sources

Google
5.0 (4)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

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.

  • Credit Monitoring

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

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

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.

  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Lexington Law
Free Credit Report Consultation
Zenith Financial Group Inc.
15720 Ventura Blvd, Ste 612, Encino, CA 91436
DLBLF Financial Counseling
1204 W Gardena Blvd Ste E, Gardena, CA 90247
AM Credit Club
450 N Brand Blvd STE 600,, Glendale, CA 91203
Elite Financial Care
1968 S. Coast Hwy. Suite #503, Laguna Beach, CA 92651

FAQs

  • How long does a repo stay on your credit report?

    A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

  • Do credit repair companies work?

    Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

  • How long does it take to repair credit?

    Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

    • Inaccurate late payment: 30-45 days
    • Inaccurate missed payment: 30-45 days
    • Numerous issues from multiple creditors: A few months
    • Fraud or identity theft: Several months to a year or more
    • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process
  • Can I repair my own credit?

    Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

  • Can credit repair companies remove charge offs?

    Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

  • Can credit repair companies remove bankruptcies?

    A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

  • Can a credit repair company remove late payments?

    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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