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Best Credit Repair Companies in Pasadena

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Comet Credit Repair logo

Comet Credit Repair

250 East 1st Street, Los Angeles, CA 90012
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  • Credit Audit

Comet Credit Repair is a locally owned and staffed business that serves the Pasadena area. Its team of credit repair specialists aids in improving clients' credit scores by reviewing their credit history and working with creditors to remove negative items and address report errors. Within three to six months, they are able to help raise clients' scores by 60-100 points on average. Clients can monitor their score progress through Comet Credit Repair's web-based system.

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Credit Boss logo

Credit Boss

600 Wilshire Boulevard, Los Angeles, CA 90017
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  • Credit Dispute

Credit Boss is a credit repair company that offers personalized assistance to individuals and businesses in the community of Pasadena and its surrounding areas. Aside from credit repair services, the company also provides auto credit plans, employment verification, and apartment lease credit plans. It addresses various credit problems ranging from inaccurate student loans to bankruptcies and charge-offs. In addition, Credit Boss has a team of paralegals and attorneys that thoroughly analyzes and reviews the customer's credit reports and develops credit repair strategies.

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Credit Repair logo

Credit Repair

Pasadena, CA
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  • Debt Consolidation
  • Credit Dispute

Credit Repair assists Pasadena customers who need to repair or raise their credit standing for various purposes, primarily loan approvals. It also helps customers obtain better credit scores for lower credit card rates, lower refinancing interest rates, or approval for a home a car purchase. It verifies customers' credit reports that contain certain mistakes such as late payments, foreclosures, bankruptcies, collections, medical bills, and repositions. It helps challenge wrongful reports to repair a client's credit score.

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Credit Repair Bank logo

Credit Repair Bank

3680 Wilshire Boulevard, Los Angeles, CA 90010
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  • Credit Dispute

Credit Repair Bank provides financial solutions for residents in Pasadena. The company specializes in credit repair and restoration which involves reviewing clients' credit scores and reports along with creating personalized credit rebuilding plans. Its team of credit repair specialists monitors clients' credit along the repair process, and they also help clients apply for loans. They offer non-binding services, allowing clients to cancel without acquiring penalties. Credit Repair Bank has completed nearly 2,000 cases to date.

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Get Good Credit logo

Get Good Credit

4741 Laurel Canyon Boulevard, Los Angeles, CA 91607
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  • Credit Monitoring

Get Good Credit operates in Los Angeles and its neighboring communities, including Pasadena. Its credit consultants analyze a client's financial documents to find and dispute negative accounts and inquiries. They also work to educate the client on ways to maintain a good credit score. Moreover, the company's website has informative resources that discuss credit-related topics such as what factors affect FICO scores. Founder and CEO Sandra Ruiz has previous experience working in the mortgage industry.

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Serrano Financial logo

Serrano Financial

155 N Lake Ave f8, Pasadena, CA 91101
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  • Credit Dispute

Serrano Financial is a Pasadena-based business that has been in operation since 2018. Included in its line of services are credit consulting and repair which involves learning about clients' specific objectives and needs, developing strategies with an aim to achieve clients' financial goals, and removing items such as late payments, bankruptcies, and identity theft issues. Serrano Financial, which serves clients in adherence with the Credit Repair Organizations Act, also offers financial planning and life insurance.

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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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