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Best Credit Repair Companies in Torrance, CA

Our Recommended Top 5

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 Torrance 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.



5Top Picks

Learn about our selection process.


featured provider = Featured Provider

Torrance, CA Rating

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


Torrance, 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

708 South Prospect Avenue, Redondo Beach, CA 90277 Rating

Why choose this provider?

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.

  • Debt Consolidation
  • Credit Monitoring
  • Credit Audit

3680 Wilshire Boulevard, Los Angeles, CA 90010 Rating

Review Sources

5.0 (5)

Why choose this provider?

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.

  • Debt Consolidation
  • Credit Monitoring

22519 Hawthorne Boulevard, Torrance, CA 90505 Rating

Review Sources

5.0 (66)
5.0 (1)

Why choose this provider?

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.

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Torrance, CAFree Credit Evaluation
Lexington Law
Torrance, CAFree Credit Report Consultation
JAIN Credit
708 South Prospect Avenue, Redondo Beach, CA 90277
Credit Repair Bank
3680 Wilshire Boulevard, Los Angeles, CA 90010
Tier One Credit
22519 Hawthorne Boulevard, Torrance, CA 90505


  • 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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