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Best Credit Repair Companies in Los Angeles, CA

Our Recommended Top 20

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Los Angeles 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.

2700Reviewed

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20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Los Angeles, CA

Expertise.com Rating

Why choose this provider?

Credit Saint provides credit repair and guidance to clients in Los Angeles. It evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These items may involve collections, judgments, charge-offs, and foreclosures. It counsels clients on the impact of credit scores on their financial activities and assists them in optimizing a positive report when paying bills or opening credit. Credit Saint, in operation for over a decade, also offers a credit monitoring system during its intervention.

  • Credit building
  • Credit Repair
  • Credit Restoration
  • Credit Audit
  • Money Back Guarantee

Los Angeles, CA

Expertise.com Rating

Review Sources

Yelp
4.2 (5)
Facebook
5.0 (4)

Why choose this provider?

Novo Credit Repair works with Los Angeles residents to enhance their credit profiles. The company's process begins with a thorough credit review, identifying negative entries and estimating possible score improvements. Its specialists create tailored action plans and use over 72 consumer credit laws to challenge adverse information with Equifax, Experian, and TransUnion. Novo Credit Repair addresses issues such as late payments, collections, and repossessions. The firm uses attorney-drafted correspondence instead of generic templates when communicating with creditors and government entities.

  • Credit Repair
  • Credit building
  • Credit Restoration
  • Credit Audit

Los Angeles, CA

Expertise.com Rating

Review Sources

Google
5.0 (38)
Facebook
5.0 (37)
Yelp
5.0 (6)

Why choose this provider?

Jenn Financial Solutions LLC helps improve people's credit throughout the Los Angeles metro. It offers personal credit management options, case analysis and advisory services, credit education, and custom credit challenges for individual cases. The company's board-certified consultants focus on credit laws and confirm if creditors adhere to the FCRA and the FDCPA. The firm was founded by Jennifer Nguyen, an experienced financial and banking professional who has worked with Vietnamese low-income communities.

  • Credit Audit
  • Credit Dispute
Lexington Law logo

Lexington LawExpertise.com

Los Angeles, CA
Free Credit Report Consultation

Expertise.com Rating

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

  • Consumer Credit Services
  • Credit Repair

937 S Alvarado St Ste 1E, Los Angeles, CA 90006

Expertise.com Rating

Review Sources

Google
4.3 (26)

Why choose this provider?

Credit Fix Now is a Los Angeles-based agency offering free credit repair services. Trained credit professionals assess clients' credit reports, create plans of action, challenge negative items, and offer resources on general financial wellness. Additionally, the agency consults with clients seeking information on the consequences of failing to pay debts, looking to make major purchases, and victims of identity theft. Founded in 2001, Credit Fix Now has successfully helped numerous clients with their credit issues.

22143 Cantlay Street, Canoga Park, CA 91303

Expertise.com Rating

Review Sources

Yelp
4.7 (15)
Google
5.0 (8)

Why choose this provider?

Apex Credit is a firm that serves clients in Los Angeles. For over 10 years, it has been offering personalized credit repair services to improve clients' credit scores. The firm's credit repair specialists are experienced in dealing with the three major credit agencies, namely Experian, Equifax, and Trans Union. They remove derogatory accounts on those three agencies, update clients' personal histories, negotiate on behalf of clients for any outstanding debts, and educate clients on long-term credit management strategies to maintain healthy credit scores.

  • Credit Audit

PO Box 32443, Los Angeles, CA 90032

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Christina Credit Repair Service caters to clients with debt and credit issues in Los Angeles. It helps clients repair their credit scores through credit education and correction. It covers different types of credits, such as consumer, mortgage, and business credit. It analyzes the client's current credit status and collaborates with creditors and credit bureaus to work on the negative items in the clients' credit report. One of the clients said that his credit score improved to 710 from 600 in just four months.

155 N Lake Ave 8th floor, Pasadena, CA 91101

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Serrano Financial is a full-service credit repair agency that aims to help clients in Los Angeles improve their credit scores and financial status. Founded in 2018, it provides personalized credit counseling services. It helps clients regain financial freedom by identifying and appealing unverifiable information in their credit histories, such as collections, charge-offs, repossessions, collections, and bankruptcies. The agency's founder, Derek Angelo Serrano, is a Series 7 financial advisor and a life and health insurance advisor.

  • Credit Audit

112 E. Amerige Avenue, Fullerton, CA 92832

Expertise.com Rating

Review Sources

Facebook
5.0 (11)

Why choose this provider?

007 Credit Agent has been providing complete credit repair and restoration services to Californians in Los Angeles area since 1989. It employs a client-focused approach to credit solutions and implements aggressive credit cleaning strategies designed to improve credit scores. Its financial experts are experienced in removing late payments, bankruptcies, charge-offs, student loans, and collections. They follow a simple four-step process: comprehensively analyze credit reports, work with credit bureaus and creditors regarding disputes, track progress, and ensure that clients attain their credit goals.

4311 Wilshire Blvd Ste 602, Los Angeles, CA 90010

Expertise.com Rating

Review Sources

Yelp
5.0 (173)
Facebook
5.0 (1)

Why choose this provider?

The Financial Counseling Center credit repair company in Los Angeles has been helping businesses and individuals to improve their credit scores for over 32 years. The firm conducts in-depth credit report evaluations and works to have foreclosures, tax issues, mortgage assistance, bankruptcies, student loans, and late payments removed from records. Its certified professionals assist with wage garnishments, judgments, charge-offs, loan modifications, and negotiations with unsecured creditors. Financial Counseling Center also offers debt counseling and credit education services.

Los Angeles, CA 90012

Expertise.com Rating

Review Sources

Google
4.8 (16)

Why choose this provider?

Credit Repair Los Angeles Raise UP is a credit repair company that has been improving people's credit scores since 2014. The company offers a free in-depth credit analysis to discover any erroneous information found on a client's credit report. On the client's behalf, its experienced advisers have custom dispute letters sent to the credit bureaus and creditors to get negative items corrected or deleted. Clients have 24/7 access to their accounts to receive live status updates.

2404 Wilshire Blvd, Los Angeles, CA 90057

Expertise.com Rating

Review Sources

Google
3.8 (6)

Why choose this provider?

Life Wisdom helps Los Angeles residents recover from their financial troubles by combining credit repair services and debt settlement solutions. Since 2004, it has been restoring clients' credit scores, giving them the chance to get approved for credit cards, auto loans, and home loans. It also creates debt settlement plans to help people rebuild their credits fast. Life Wisdom partners with SmartCredit, a credit monitoring company that offers interactive credit reports accessible through a mobile app.

  • Credit Monitoring
  • Credit Dispute

Los Angeles, CA 90067

Expertise.com Rating

Review Sources

Yelp
4.5 (20)

Why choose this provider?

THD Credit Consulting offers credit repair services in Los Angeles and nearby areas. Its credit consultants help clients rebuild their credit and raise their credit scores by removing inaccurate, misleading, or unverifiable information from their credit reports. They handle issues such as bankruptcies, charge-offs, tax liens, and judgments. The repair specialists assist in fixing credit card debt, home equity lines of credit, collection accounts, and charge-offs. Clients can also access education and credit improvement services.

601 South Figueroa Street, Suite 4050, Los Angeles, CA 90017

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

Los Angeles Credit Repair is a company that serves the Los Angeles area. The company offers assistance in improving credit scores to help their clients stabilize their financial status. It fulfills this aim by providing comprehensive education on how to raise the credit score, settle debts, rebuild debit, and deal with debt collectors. Los Angeles Credit Repair is among the first to provide proactive identity theft protection to its clients. It partners with FBI Law Enforcement Executive Development Association (FBI-LEEDA) to secure clients from identity theft.

  • Credit Dispute

12237 Wilshire Blvd, Los Angeles, CA 90025

Expertise.com Rating

Review Sources

Yelp
4.0 (49)
Facebook
5.0 (18)

Why choose this provider?

Founded in 2003, American Credit is a credit repair company in Los Angeles. Its analysts are experts in reviewing credit reports to identify and correct misleading information. They specialize in the pre-litigation process under the Fair Credit Reporting Act and can take legal action against creditors for reporting erroneous information to the credit bureaus. The staff offers clients insight on how to manage finances to prevent foreclosures, bankruptcy, and repossessions that negatively impact credit reports.

6060 Center Dr, Los Angeles, CA 90045

Expertise.com Rating

Why choose this provider?

UCES Protection Plan offers professional credit repair services in Los Angeles to help people rebuild their credit. Its credit experts use a proven system to have the credit bureaus eliminate any inaccurate, obsolete, or erroneous account entries. When necessary, its credit attorneys legally fight abusive debt collectors to achieve a quick and fair settlement. USES Protection Plan also offers a wide variety of educational services, credit tips, and resources to help clients maximize their credit score.

2399 East 27th Street, Long Beach, CA 90755

Expertise.com Rating

Why choose this provider?

Long Beach Credit Repair serves clients in Los Angeles and the surrounding areas. The company helps improve credit scores by removing inaccurate information, including bankruptcy, late payments, collections, and judgments. Clients also receive assistance on matters such as student loans, identity theft, and debt settlement. The credit restoration company's team of credit experts also educates clients on managing and maintaining their scores. Clients can access their accounts online 24/7 to check recent activity, messages and view the negative items removed from their credit reports.

  • Credit Audit
  • Credit Dispute
  • Unconditional Money Back Guarantee

7324 Southwest Fwy Ste 1471, Houston, TX 77074

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
4.3 (3)
Yelp
5.0 (1)

Why choose this provider?

Crofton Financial Group is a growing credit repair company that helps people in Los Angeles and surrounding areas reestablish their credit. Its credit experts analyze credit reports to uncover any inaccuracies and designs plans to raise clients' credit scores. The firm then sends personalized dispute letters to credit bureaus and creditors to have negative items removed. Crofton Financial Group also provides monthly credit progress updates, budget management services, and debt settlement negotiations with lenders.

250 E 1st St, Los Angeles, CA 90012

Expertise.com Rating

Why choose this provider?

Serving individuals in the Los Angeles metro, Comet Credit Repair is a company composed of locally residing specialists. They create customized credit repair service plans for their clients, which include evaluating their credit history and educating them about the steps they should take. The Comet Credit Repair team involves its customers in the whole process by giving them access to web-based software that allows them to check on their progress any time of the day.

450 N Brand Blvd Ste 600, Glendale, CA 91203

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Financial Credit Journey provides services to the people of Los Angeles. It specializes in credit restoration and debt negotiation, helping individuals achieve their financial goals. The company aims to help people improve their credit rankings and establish their financial future. Its program includes negotiating with credit bureaus and lenders on behalf of clients to dispute negative items on their credit reports. It also educates all its clients on how to maintain their scores. In addition, Financial Credit Journey offers student loan services.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Los Angeles, CAFree Credit Evaluation
Novo Credit Repair
Los Angeles, CAFree Credit Repair Consultation
Jenn Financial Solutions LLC
Los Angeles, CAFree consultation
Lexington Law
Los Angeles, CAFree Credit Report Consultation
Credit Fix Now
937 S Alvarado St Ste 1E, Los Angeles, CA 90006
Apex Credit
22143 Cantlay Street, Canoga Park, CA 91303
Christina Credit Repair Service
PO Box 32443, Los Angeles, CA 90032
Serrano Financial
155 N Lake Ave 8th floor, Pasadena, CA 91101
007 Credit Agent
112 E. Amerige Avenue, Fullerton, CA 92832
Financial Counseling Center
4311 Wilshire Blvd Ste 602, Los Angeles, CA 90010
Credit Repair Los Angeles Raise UP
Los Angeles, CA 90012
Life Wisdom
2404 Wilshire Blvd, Los Angeles, CA 90057
THD Credit Consulting
Los Angeles, CA 90067
Los Angeles Credit Repair
601 South Figueroa Street, Suite 4050, Los Angeles, CA 90017
American Credit
12237 Wilshire Blvd, Los Angeles, CA 90025
UCES Protection Plan
6060 Center Dr, Los Angeles, CA 90045
Long Beach Credit Repair
2399 East 27th Street, Long Beach, CA 90755
Crofton Financial Group
7324 Southwest Fwy Ste 1471, Houston, TX 77074
Comet Credit Repair
250 E 1st St, Los Angeles, CA 90012
Financial Credit Journey
450 N Brand Blvd Ste 600, Glendale, CA 91203

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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