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Best Credit Repair Companies in Simi Valley, CA

Our Recommended Top 8

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 Simi Valley 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.



8Top Picks

Learn about our selection process.


featured provider = Featured Provider

Simi Valley, CA Rating

Review Sources

2.5 (25)

Why choose this provider?

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.

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


Simi Valley, CA
Free Credit Report Consultation Rating

Review Sources

4.3 (2911)

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, Woodland Hills, CA 91367
Website Rating

Review Sources

5.0 (83)

Why choose this provider?

Unlimited Credit Repair is a credit counseling company serving individuals in Simi Valley. It assists clients in restoring their credit by focusing on lowering interest rates on loans and credit cards while also getting approved for higher limits with banks. The company also works on removing negative information on the client's credit history, such as bankruptcies and late payments. Additionally, Unlimited Credit Repair helps build the client's business credit profile so they can borrow money to be used on purchasing products or services.

  • Debt Consolidation

4741 Laurel Canyon Boulevard, Los Angeles, CA 91607 Rating

Review Sources

5.0 (198)
4.0 (7)
5.0 (2)

Why choose this provider?

Get Good Credit is a consulting company that provides credit repair solutions in Simi Valley to help residents get approved for home and car loans. It delivers customized advice on maintaining good credit scores, improving credit standing with creditors and loan officers, and handling dispute collection accounts and bankruptcies. Get Good Credit has over a decade of experience in credit repair and consultation. In addition, it has helped thousands of clients repair their credit from damaging information like tax liens and negative payment history.

  • Credit Monitoring

15720 Ventura Boulevard, Los Angeles, CA 91436 Rating

Review Sources

3.0 (200)
5.0 (53)

Why choose this provider?

Zenith Financial Group DBA Credit Repair Experts is a credit restoration company to improve clients' credit profiles. They offer services to Simi Valley and nearby areas. Zenith fixes questionable, inaccurate, outdated, misleading, and unverifiable data on consumer credit reports by directly dealing with credit providers. Customers attest that Zenith is attentive to customer queries, listens to concerns, gives customized options, and helps consolidate debts so that customers could manage the situation in a better way, such as one monthly payment.

  • Credit Dispute

18653 Ventura Boulevard, Los Angeles, CA 91356 Rating

Review Sources

4.4 (900)
3.9 (321)
3.8 (200)

Why choose this provider?

Enrich Financial is a credit repair company serving Simi Valley and its surrounding communities. Its team of credit specialists reviews its clients' credit histories and procures personalized approaches to fix their credit issues. They are experienced in removing derogatory accounts such as collection, bankruptcies, and tax liens and negotiating outstanding debts on behalf of their clients. The company also provides other financial services, including insurance, estate planning, and investments. Over its 17 years in the business, it has achieved an average of 60 in credit score increases.

  • Credit Dispute

6303 Owensmouth Avenue, Los Angeles, CA 91367 Rating

Review Sources

5.0 (1)

Why choose this provider?

Advanced Credit Network, Inc., is a Woodland Hills-based credit restoration business that serves clients throughout Simi Valley and the neighboring communities. Its team is composed of financial and credit restoration specialists with years of experience in the industry. It offers various credit services, including credit report analysis, personalized dispute program options, and custom dispute letters to creditors and credit bureaus. Its team also provides clients with updated information on their case status. The team at Advanced Credit Network caters to both English-speaking and Spanish-speaking clients.

  • Credit Monitoring

1464 Madera Road, Simi Valley, CA 93065 Rating

Review Sources

5.0 (35)

Why choose this provider?

Credit Wellness Center is a Simi Valley-based credit repair company providing credit report analyses and helping clients challenge possibly mistaken items on their credit reports. These items include late payments, repossessions, bankruptcies, and tax liens. Clients who use the company's services are given access to an online portal that allows them to monitor the case progress 24/7. Credit Wellness Center partners with professionals such as mortgage brokers, attorneys, and tax professionals to help credit-challenged clients.

  • Credit Audit
  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Simi Valley, CAFree Credit Evaluation
Lexington Law
Simi Valley, CAFree Credit Report Consultation
Unlimited Credit Repair
21550 West Oxnard Street, Woodland Hills, CA 91367
Get Good Credit
4741 Laurel Canyon Boulevard, Los Angeles, CA 91607
Zenith Credit Repair
15720 Ventura Boulevard, Los Angeles, CA 91436
Enrich Financial
18653 Ventura Boulevard, Los Angeles, CA 91356
Advanced Credit Network Inc.
6303 Owensmouth Avenue, Los Angeles, CA 91367
Credit Wellness Center
1464 Madera Road, Simi Valley, CA 93065


  • 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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