Expertise.com

2024

Last updated:

Best Credit Repair Companies in Thousand Oaks

Our Recommended Top 5

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 Thousand Oaks 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.

95Reviewed

59Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
21550 West Oxnard Street, Los Angeles, CA 91367
  • Debt Consolidation
  • Credit Monitoring

Why choose this provider?

Located in California, Unlimited Credit Repair is a credit restoration agency serving families and individuals in Thousand Oaks. Its mission is to help clients stay on top of their credit and make well-informed financial decisions to secure a financially empowered future for their families. Additionally, its credit specialists are esteemed for their expertise and conscientious work process. They conduct meticulous report investigations, carry out persistent dispute negotiations, and create customized credit improvement strategies to ensure that their clients receive comprehensive services.

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 (83)

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

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

Why choose this provider?

Credit Wellness Center serves Thousand Oaks individuals and families who need to repair or enhance their credit score for mortgage purposes or lower loan interest rates. The company extends credit report analysis, dispute letter preparation and filing, and credit standing consultation. The firm is committed to providing a client with a designated specialist who is available for a one-on-one discussion about credit status. The team also offers maintenance and monitoring for clients needing follow-up credit services.

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.
4.8
Google
4.8 / 5 (41)

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

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

Why choose this provider?

Advanced Credit Network Inc. is a company of financial experts providing comprehensive credit restoration services to Thousand Oaks. To improve credit scores, its credit repair services include analyzing credit reports and removing or questioning negative items that affect one's credit by writing dispute letters to the credit bureaus and the clients' creditors. This is done by case analysts and creditors assigned to each client. Additionally, Advanced Credit Network Inc. provides tips on how to maintain good credit scores.

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

Website
26565 Agoura Road, Calabasas, CA 91302
  • Credit Monitoring
  • Credit Dispute

Why choose this provider?

Conquer Credit Management is a credit repair company that serves individuals in Thousand Oaks and its neighboring communities. The business was founded in 1991 and it has been assisting its clients in repairing their credit rating through personalized analysis and consultation, which is followed by credit restoration and education. Aside from credit repair and counseling, Conquer Credit Management also handles identity theft and fraud remediation, fraud alert removal and placement, debt management and negotiations, and student loan rehabilitation.

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
Yelp
5.0 / 5 (16)
Facebook
5.0 / 5 (2)
Google
5.0 / 5 (1)

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

Website
15720 Ventura Boulevard, Los Angeles, CA 91436
  • Credit Audit

Why choose this provider?

Incorporated in 2015, Zenith Financial Group is a credit repair firm located in Thousand Oaks. Mani Hatami, the company founder, is a Senior U.S. Board Certified Credit Consultant. The credit repair firm has helped rectify hundreds of consumer and business debt-related issues through the Fair Credit Reporting Act. Comprised of board certified consultants, Zenith Financial Group offers credit restoration and upgrade. Moreover, the company continues to improve lives by imparting financial literacy to the community through Persian media.

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.
3.0
Google
3.0 / 5 (200)

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

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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