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Best Credit Repair Companies in Ventura

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American Credit logo

American Credit

12237 Wilshire Blvd., Los Angeles, CA 90025
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  • Credit Dispute

American Credit is a veteran-owned and veteran-operated firm that has been helping Ventura residents with their credit repair needs for the past 14 years. Whether a client is trying to qualify for a home loan or needs a clean credit report for employment, the firm's credit specialists work with the three major credit bureaus to dispute the negative items on the credit reports. These negative items include late payments, charge-offs, tax liens, repossessions, and foreclosures.

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Apex Credit logo

Apex Credit

22143 Cantlay Street, Canoga Park, CA 91303
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  • Credit Audit

Apex Credit has been serving individuals and commercial clients in Ventura and nearby areas since 2004. It offers credit repair solutions to help improve FICO scores within 30-45 days. It assists in updating personal history with credit agencies and helps remove derogatory accounts with three major credit agencies, Equifax, Experian, and Trans Union. The company also handles the negotiation for any outstanding debts on behalf of the client. Apex Credit educates people about long-term credit management strategies.

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Driven Credit Solutions logo

Driven Credit Solutions

300 E. Canon Perdido St. Suite B2, Santa Barbara, CA 93101
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  • Credit Monitoring
  • Credit Audit

Driven Credit Solutions serves individuals and businesses in Ventura and the surrounding communities. The company analyzes the clients' detailed credit reports and looks for negative items like collections, tax liens, late payments, and repossessions. It also sends letters with goodwill intervention, validation requests, appeals, and disputes to the clients' creditors and major credit reporting agencies such as Experian, Equifax, and TransUnion. Driven Credit Solutions works with third parties in order to monitor the clients' credit restoration process.

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Optima Credit logo

Optima Credit

22801 Ventura Blvd, Ste 116, Woodland Hills, CA 91364
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  • Credit Dispute

Optima Credit provides its services to individuals and businesses in Ventura and the surrounding areas. The company offers lifetime credit score improvement by removing negative items from the client's credit report and repairing their credit history. It also performs a thorough examination of credit reports. Dan Glez, a credit repair and sales specialist, has been assisting clients in repairing personal and business credit for over five years. He uses his background in data management and real estate in serving his clients.

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Optimal Debt Solutions logo

Optimal Debt Solutions

Ventura, CA
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  • Credit Monitoring

Optimal Debt Solutions is a full-service credit and debt management company that serves the residents of Ventura and the surrounding areas. It provides credit management services, which include credit counseling and debt relief solutions. It helps clients negotiate and lower debts from department store cards, medical bills, payday loans, repossessions, and unsecured loans. Optimal Debt Solutions has been in operation for over a decade. The company has more than 200 debt specialists on its staff.

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Second Chance Credit Restoration logo

Second Chance Credit Restoration

14429 Ventura Blvd Suite 111, Sherman Oaks, CA 91423
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  • Credit Monitoring

Second Chance Credit Restoration serves clients in Ventura and nearby areas. It offers a wide range of services, from consultation and in-depth analysis to credit assessments. It communicates with credit bureaus to challenge negative report items and prepare the required documents. Some of the firm's clientele include mortgage and real estate professionals, attorneys, and auto dealers. It has a web portal where clients can monitor the progress of their files.

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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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