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Best Credit Repair Companies in Simi Valley

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Advanced Credit Network Inc. logo

Advanced Credit Network Inc.

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

Advanced Credit Network, Inc., is a Woodland Hills-based credit restoration business that serves clients throughout Simi Valley and the neighboring communities. Its team is composed of financial and credit restoration specialists with years of experience in the industry. It offers various credit services, including credit report analysis, personalized dispute program options, and custom dispute letters to creditors and credit bureaus. Its team also provides clients with updated information on their case status. The team at Advanced Credit Network caters to both English-speaking and Spanish-speaking clients.

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Credit Wellness Center logo

Credit Wellness Center

1464 Madera Road, Simi Valley, CA 93065
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  • Credit Audit
  • Credit Dispute

Credit Wellness Center is a Simi Valley-based credit repair company providing credit report analyses and helping clients challenge possibly mistaken items on their credit reports. These items include late payments, repossessions, bankruptcies, and tax liens. Clients who use the company's services are given access to an online portal that allows them to monitor the case progress 24/7. Credit Wellness Center partners with professionals such as mortgage brokers, attorneys, and tax professionals to help credit-challenged clients.

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Enrich Financial logo

Enrich Financial

18653 Ventura Boulevard, Los Angeles, CA 91356
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  • Credit Dispute

Enrich Financial is a credit repair company serving Simi Valley and its surrounding communities. Its team of credit specialists reviews its clients' credit histories and procures personalized approaches to fix their credit issues. They are experienced in removing derogatory accounts such as collection, bankruptcies, and tax liens and negotiating outstanding debts on behalf of their clients. The company also provides other financial services, including insurance, estate planning, and investments. Over its 17 years in the business, it has achieved an average of 60 in credit score increases.

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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 is a consulting company that provides credit repair solutions in Simi Valley to help residents get approved for home and car loans. It delivers customized advice on maintaining good credit scores, improving credit standing with creditors and loan officers, and handling dispute collection accounts and bankruptcies. Get Good Credit has over a decade of experience in credit repair and consultation. In addition, it has helped thousands of clients repair their credit from damaging information like tax liens and negative payment history.

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Lil Credit Repair logo

Lil Credit Repair

19725 Sherman Way, Los Angeles, CA 91306
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  • Credit Monitoring

Lil Credit Repair is a company near Simi Valley that offers credit restoration services. It works to identify and remove negative credit report items, such as charge-offs, collections, and personal loans, to help its clients increase their credit ratings and achieve their home or auto ownership goals. Its credit repair specialist conducts consultations to educate clients about the process, deals directly with creditors and credit bureaus to challenge questionable items, and provides credit counseling assistance.

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Unlimited Credit Repair logo

Unlimited Credit Repair

21550 West Oxnard Street, Woodland Hills, CA 91367
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  • Debt Consolidation

Unlimited Credit Repair is a credit counseling company serving individuals in Simi Valley. It assists clients in restoring their credit by focusing on lowering interest rates on loans and credit cards while also getting approved for higher limits with banks. The company also works on removing negative information on the client's credit history, such as bankruptcies and late payments. Additionally, Unlimited Credit Repair helps build the client's business credit profile so they can borrow money to be used on purchasing products or services.

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Zenith Credit Repair logo

Zenith Credit Repair

15720 Ventura Boulevard, Los Angeles, CA 91436
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  • Credit Dispute

Zenith Financial Group DBA Credit Repair Experts is a credit restoration company to improve clients' credit profiles. They offer services to Simi Valley and nearby areas. Zenith fixes questionable, inaccurate, outdated, misleading, and unverifiable data on consumer credit reports by directly dealing with credit providers. Customers attest that Zenith is attentive to customer queries, listens to concerns, gives customized options, and helps consolidate debts so that customers could manage the situation in a better way, such as one monthly payment.

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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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