Best Credit Repair Companies in Oxnard

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Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

Oxnard, CA

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (380)

Price: Free Credit Report Consultation

740Plus Credit Score Repair logo
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740Plus Credit Score Repair

2901 Sycamore Ave, Oxnard, CA 91214
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  • Debt Consolidation

Business Description

740plus Credit Score Repair is a company that has been serving Oxnard and surrounding communities since 2010. It conducts personalized consultations and gives credit rebuilding advice to clients who are looking to repair their credit history. The services are available for different purposes such as vehicle repossession, student loan debt, and identity theft and ID fraud. The company's founder, Dave Schram, began his career as a mortgage loan officer in 1998. He authored a book about how credit works, which he promoted in radio stations nationwide.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.0 / 5 (70)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Advanced Credit Network Inc. logo
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Advanced Credit Network Inc.

6303 Owensmouth Avenue, Los Angeles, CA 91367
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  • Credit Monitoring

Business Description

Advanced Credit Network Inc. is a credit restoration company focused on helping clients in Oxnard manage their credit standing. Its team of certified professionals helps clients by evaluating their credit scores and asserting their legal rights based on their situation. Advanced Credit Network's experience covers consumer, mortgage, and business credit. Its services also include providing constant case updates to clients. In addition, the company partners with professionals from different industries that depend on clients with good credit scores through a referral program.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
Enrich Financial logo
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Enrich Financial

18653 Ventura Boulevard, Tarzana, CA 91356
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  • Debt Consolidation
  • Credit Dispute

Business Description

Enrich Financial (EF) provides access to the resources for credit clients in Oxnard with services and consulting in five languages. EF utilizes all laws to fix clients’ credit issues legally. It provides full credit analysis, free consulting to increase client’s credit score, and decrease debts. EF provides a step-by-step service using the best CRM system and qualified credit repair specialists to answer questions. It helps people deal with their financial issues from estate planning, insurance, investments, to taxes using total wealth management.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.0 / 5 (538)
Google
4.0 / 5 (323)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Fast Credit Repair Company logo
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Fast Credit Repair Company

22709 Victory Boulevard, West Hills, CA 91307
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  • Credit Monitoring

Business Description

Fast Credit Repair Company is an honest, reliable, and affordable company that helps customers raise their credit scores and get back on their feet financially. With over 10 years of experience, FCRC cleans up errors on customers’ credit scores through a guided process to improve credit ratings quickly. Improved credit score leads to thousands of dollars in savings on interest payments, and will enable customers to qualify big-ticket loans such as homes, cars, and liberating income opportunities.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Unlimited Credit Repair logo
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Unlimited Credit Repair

21550 West Oxnard Street, Los Angeles, CA 91367
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Business Description

Unlimited Credit Repair is a credit repair service provider helping clients in Oxnard achieve financial peace of mind. Clients who are looking to obtain low interest rates on credit cards and loans, get approved for higher limits, and build up their business credit report can turn to the company for assistance. Its financial counselors meet with clients for an initial consultation that involves credit report analysis. Once reporting violations have been identified, its team pursues credit bureaus and collection agencies to get negative records removed.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (37)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

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.

How do you repair credit after identity theft?

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.

Is credit repair legal?

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.

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