Best Credit Repair Companies in Torrance

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Credit Saint logo
FEATURED
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Free Credit Evaluation

Credit Saint

Torrance, CA
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Business Description

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

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 (5763)

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

Price: Free Credit Evaluation

Clear Cents Credit logo
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Clear Cents Credit

21515 Hawthorne Boulevard, Torrance, CA 90503
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  • Credit Monitoring
  • Credit Audit

Business Description

Clear Cents Credit is a credit repair agency that helps individuals and families in Torrance improve their credit scores. Its credit restoration program begins with an initial consultation to assess clients' credit goals. The agency assists in filing disputes for unverified, inaccurate, and outdated information, such as incorrect names, unauthorized inquiries, collection accounts, medical bills, and charge offs. The company's financial specialists are board-certified credit score consultants capable of answering a range of credit questions.

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 (3)

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
Credit Girl Pluss logo
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Credit Girl Pluss

14023 Crenshaw Boulevard, Hawthorne, CA 90250
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  • Credit Monitoring

Business Description

Credit Girl Pluss is a local credit repair and restoration firm that serves individuals in Torrance and the surrounding areas. Its credit counselors assist clients in improving their credit scores by legally disputing and challenging inaccurate, erroneous, and obsolete information from credit profiles. After scores have improved, the firm continues to monitor and update clients to be more empowered to maintain their good credit standing. This company was established in 2003 and offers an online portal where clients can track their credit score's progress.

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
Google
4.0 / 5 (37)
Facebook
4.0 / 5 (14)
Yelp
4.0 / 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
Credit Repair Bank logo
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Credit Repair Bank

3680 Wilshire Boulevard, Los Angeles, CA 90010
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  • Debt Consolidation
  • Credit Monitoring

Business Description

Credit Repair Bank is a credit repair firm that serves customers in Torrance, Los Angeles, and nearby areas. The agency comprises a team of credit repair professionals who understand the process of credit score rebuilding. The team can file disputes for inaccurate, unfair, and negative data on clients' credit reports. In addition, they also perform round-the-clock credit monitoring and offer recommendations on how to increase credit scores. Credit consultation is available seven days a week.

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.
4.7
Google
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
JAIN Credit logo
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JAIN Credit

708 South Prospect Avenue, Redondo Beach, CA 90277
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  • Debt Consolidation
  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Business Description

JAIN Credit is a financial management company serving the needs of clients in Torrance. The firm guides clients throughout the entire credit restoration process. Its credit specialists conduct an in-depth analysis of clients' credit history and current financial situation. The team also employs legal tactics based on consumer protection rights to remove all types of negative items from credit reports. These include charge-offs, collections, foreclosures, bankruptcies, late payments, and other derogatory records. The company has been serving customers for over 10 years.

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
Tier One Credit logo
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Tier One Credit

22519 Hawthorne Boulevard, Torrance, CA 90505
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  • Credit Dispute

Business Description

Tier One Credit is a consumer credit firm that uses a lawyer-based system to repair customers' credits in Torrance and the surrounding areas. The company is composed of a team of credit lawyers who are well-versed with the Fair Debt Collection Practices Act and Fair Credit Reporting Act to perform credit repair services. These include client's credit review, removal of negative items from the credit report, credit coaching and training, and, when needed, lawsuit filings to creditors.

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 (66)

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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