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Best Credit Repair Companies in Oxnard, CA

Our Recommended Top 6

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 Oxnard 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.



6Top Picks

Learn about our selection process.


featured provider = Featured Provider

Oxnard, CA Rating

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

  • Money Back Guarantee
  • Credit building
  • Credit Audit
  • Credit Restoration
  • Credit Repair
Lexington Law logo


Oxnard, CA
Free Credit Report Consultation 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

21550 West Oxnard Street, Los Angeles, CA 91367
Website Rating

Review Sources

5.0 (37)
1.0 (1)

Why choose this provider?

Unlimited Credit Repair is a credit repair service provider helping clients in Oxnard achieve financial peace of mind. Clients who are looking to obtain low interest rates on credit cards and loans, get approved for higher limits, and build up their business credit report can turn to the company for assistance. Its financial counselors meet with clients for an initial consultation that involves credit report analysis. Once reporting violations have been identified, its team pursues credit bureaus and collection agencies to get negative records removed.

22709 Victory Boulevard, West Hills, CA 91307 Rating

Review Sources

4.5 (16)
5.0 (8)

Why choose this provider?

Fast Credit Repair Company is an honest, reliable, and affordable company that helps customers raise their credit scores and get back on their feet financially. With over 10 years of experience, FCRC cleans up errors on customers’ credit scores through a guided process to improve credit ratings quickly. Improved credit score leads to thousands of dollars in savings on interest payments, and will enable customers to qualify big-ticket loans such as homes, cars, and liberating income opportunities.

  • Credit Monitoring

2901 Sycamore Ave, Oxnard, CA 91214 Rating

Review Sources

4.0 (70)
5.0 (7)

Why choose this provider?

740plus Credit Score Repair is a company that has been serving Oxnard and surrounding communities since 2010. It conducts personalized consultations and gives credit rebuilding advice to clients who are looking to repair their credit history. The services are available for different purposes such as vehicle repossession, student loan debt, and identity theft and ID fraud. The company's founder, Dave Schram, began his career as a mortgage loan officer in 1998. He authored a book about how credit works, which he promoted in radio stations nationwide.

  • Debt Consolidation

18653 Ventura Boulevard, Tarzana, CA 91356 Rating

Review Sources

4.0 (538)
4.0 (323)
4.0 (200)

Why choose this provider?

Enrich Financial (EF) provides access to the resources for credit clients in Oxnard with services and consulting in five languages. EF utilizes all laws to fix clients’ credit issues legally. It provides full credit analysis, free consulting to increase client’s credit score, and decrease debts. EF provides a step-by-step service using the best CRM system and qualified credit repair specialists to answer questions. It helps people deal with their financial issues from estate planning, insurance, investments, to taxes using total wealth management.

  • Debt Consolidation
  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Oxnard, CAFree Credit Evaluation
Lexington Law
Oxnard, CAFree Credit Report Consultation
Unlimited Credit Repair
21550 West Oxnard Street, Los Angeles, CA 91367
Fast Credit Repair Company
22709 Victory Boulevard, West Hills, CA 91307
740Plus Credit Score Repair
2901 Sycamore Ave, Oxnard, CA 91214
Enrich Financial
18653 Ventura Boulevard, Tarzana, CA 91356


  • 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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