Credit Repair Companies in Los Angeles

Top Credit Repair in
Los Angeles

On average, residents of Los Angeles have an estimated VantageScore of 675. With the maximum credit score at 850, there is a lot of room for improvement. Repair services can help challenge negative items in reports, and today’s review focuses on credit repair companies in Los Angeles.

What should you focus on when choosing a credit repair company? The biggest strength of a great company is its credit repair specialists who prepare the custom disputes and recommend other ways of boosting credit scores. There’s a need to use technology throughout the process. While the company may not use electronic disputing, it should at least provide a way to track the progress of cases through an online portal.

Reputation

The reputation tells us whether customers can trust the brand to deliver on its core mandate.

Industry Expertise & Reliability

Our experts analyze metrics about the number of disputes filed and consider the complaints brought by customers.

Technology & Tools

We check if the brands have modern websites, functional user portals, and mobile apps.

Range of Features

Our experts consider whether the firm offers creditor interventions, debt validation, report tracking, etc.

Affordability

The firm should not be charging above industry rates, and packages must be affordable for all customers.

Best Credit Repair Companies in Los Angeles

Out of the many companies that offer credit repair in Los Angeles, the following services met our strict qualification criteria for quality and safe services:

Credit Saint

Best for reliable & trusted services
Credit Saint Sign up
Highlights
  • BBB accredited with no outstanding claims
  • Customized arguments
  • Credit rebuilding guidance
  • Unmatched 90-day Money Back Protection
  • Free credit consultation
Score
4.5
  • Trust5
  • Technology4
  • Affordability4
  • Features5
  • Total Score4.5
Score
4.5
  • Market Experience: 17 years
  • Service Guarantee: Yes
  • Free Consultation: Yes
  • BBB Rating: A
  • Costs: $79.99 - $119.99
  • Main Office: Oakland, NJ
Pros
  • Free credit evaluation
  • Score tracker and analysis in the lowest package
  • Good market reputation
  • Custom arguments and comprehensive reporting
Cons
  • High initial work fee (from $99 to $195 as per package)
  • Lacks a mobile app

Started in 2004 and accredited since 2007, Credit Saint is one of the most reliable credit repair companies in Los Angeles. They are based in Oakland, New Jersey, but the customer representatives go out of their way to deliver excellent services during phone conversations with clients.

Packages are moderately priced and range from $79.99 per month to $119.99. The service has a 4.4 out of 5 ratings on its Google reviews page, with most people mentioning the remarkable dedication of the support team.

CreditFirm.net

Highlights
Score
0
  • Trust
  • Technology
  • Affordability
  • Features
  • Total Score0
Score
0
  • Market Experience: 23 years
  • Service Guarantee: No
  • Free Consultation: Yes
  • BBB Rating: C-
  • Costs: $49.99
  • Main Office: Corpus Christi, TX
Pros
  • Long market experience
  • Access to credit consultants & attorneys
  • Free credit repair action plan
  • Low monthly fees
Cons
  • Poor Trustpilot Rating
  • No service guarantee

The attorney-founded repair agency offers affordable credit repair services in Los Angeles, as they are only charging $49.99 per month. CreditFirm.net boasts over 24 years of experience and promises customers “honest value” and a fantastic customer experience.

Personal credit consultants are available to guide customers through the case. They are also on standby in case of any service inquiries before signing up. While they require customers to send them their credit report copies, they can also facilitate obtaining the files.

The Credit Pros

Best value
The Credit Pros Sign up
Highlights
  • Team of FICO© certified experts
  • Advanced AI-driven credit monitoring and management system
  • Good extras: Identity theft protection, bill reminders, etc
  • Unlimited disputes
  • Amazing value
Score
4
  • Trust3
  • Technology4
  • Affordability5
  • Features4
  • Total Score4
Score
4
  • Market Experience: 12 years
  • Service Guarantee: No
  • Free Consultation: Yes
  • BBB Rating: B+
  • Costs: $69 - $149
  • Main Office: Newark, NJ
Pros
  • Lots of positive feedback from early users
  • FICO certified experts driven
  • Tailored & personalized services tailored
  • An advanced credit monitoring system
Cons
  • No service guarantee
  • No mobile app monitoring

BBB accredited and led by the charismatic repair expert Jason M. Kaplan, The Credit Pros has quickly become one of the most preferred services for credit repair in Los Angeles.

Certified FICO professionals oversee each client account. They are responsible for coming up with dispute strategies and go a step further to provide quality education. They can also help on other fronts, such as asking for Goodwill deletions or sending cease and desist letters to aggressive debt collectors. Packages range from $69 to $149.

American Credit Repair Centers

American Credit Repair Centers

A customer described the company as “competent and resourceful.” They are a Los Angeles credit repair firm with offices at Wilshire Boulevard.

The cost of the service may depend on the severity of the credit report errors. There is an initial work fee of $225. For unsuccessful challenges, they offer a reprocess program, where they rechallenge the credit bureaus. New customers get free reports from their partner, SmartCredit®.

Sky Blue Credit Repair

Best money-back guarantee & features
sky blue credit repair Sign up
Highlights
  • No obligation 90-day money-back guarantee
  • Many extra repair services at no cost
  • Friendly & locally-based customer support
  • Intuitive credit repair system
  • Simple pricing
Score
4.3
  • Trust5
  • Technology2
  • Affordability5
  • Features5
  • Total Score4.3
Score
4.3
  • Market Experience: 32 years
  • Service Guarantee: Yes
  • Free Consultation: Yes
  • BBB Rating: A+
  • Costs: $79
  • Main Office: Boca Raton, Florida
Pros
  • Pro analysis to find hard-to-spot credit disputes
  • Customized dispute letters
  • No questions asked, money-back promise
  • Plenty of extra services
  • Straightforward pricing one package
Cons
  • Disputes limited to 15 per month
  • Don’t credit monitoring services

Some of the best credit repair companies in Los Angeles claim to offer refund policies, but they are often subject to many requirements and restrictions. Sky Blue provides what they call a “clear guarantee.” It means customers get their money back if they’re not satisfied for any reason. They don’t have waiting periods or non-performance events. Did we mention that they offer one package at only $79 per month?

Pyramid Credit Repair

Highlights
Score
0
  • Trust
  • Technology
  • Affordability
  • Features
  • Total Score0
Score
0
  • Market Experience: 5 years
  • Service Guarantee: Yes
  • Free Consultation: Yes
  • BBB Rating: Not Accredited
  • Costs: $99
  • Main Office: New York, NY
Pros
  • Personal case managers
  • Personalized custom disputes
  • Very flexible billings with pause & postpone
  • No contracts, pay-as-you-go
Cons
  • Lacks free educational & credit tools
  • Not as popular

The national firm has an affiliate branch in Downtown LA, but their Yelp Page is not claimed. They have been in the industry since 2011, and past customers readily recommend the firm in reviews. There’s only one package at $99 per month with the ability to cancel anytime. Customers receive a personalized game plan and work with individual reps. While they run multiple offices, most of the services are offered online.

The Credit People

Best affordability
The Credit People Sign up
Highlights
  • Lowest first work fee & one package pricing
  • Money-back guarantee
  • Trusted by over 100,000 users
  • Unlimited disputes
  • Results in just 60 days
Score
4.3
  • Trust5
  • Technology3
  • Affordability5
  • Features4
  • Total Score4.3
Score
4.3
  • Market Experience: 20 years
  • Service Guarantee: Yes
  • Free Consultation: Yes
  • BBB Rating: C+
  • Costs: $79
  • Main Office: Cottonwood Heights, UT
Pros
  • Lowest first work fee
  • One package pricing with a low setup fee
  • Free score and progress reporting
  • Pursues other avenues of improving credit
  • Unlimited disputes
Cons
  • No mobile app
  • Not BBB accredited

On average, customers signing up to the service see an improvement of 53 to 187 points. The Credit People has managed about 1.5 million negative entry removals since they started operating in 2001. Currently, they gain about 3,000 customers every month and have expanded to ensure that each customer gets the individual help they deserve. There is only one cost at $79 per month paired with a meager setup fee of just $19.

Credit Repair Services in LA

Understandably, you want to choose the best provider for credit repair in Los Angeles CA. And this process can be a bit challenging and full of worries. For instance, many people ask: is it necessary to hire lawyers? Well, no, as long as the advisor knows how to find and challenge errors. Here are more tips that will come in handy when selecting a company.

Of course, these factors were considered when coming up with our list of reputable firms serving Los Angeles residents. They will also help you avoid credit repair scams.

FAQ

Credit fixing services are legal in California, and businesses based in the state have to obtain a registration certificate. The Department of Justice provides it to bonded companies. The services must follow the provisions of the CROA, which prohibits upfront fees and false claims.

It costs anywhere from $50 to $150 per month to repair credit scores through a professional service. Some companies charge for each deletion, and others offer flat-rate membership plans.

Watch out for other telltale signs of a scammy service, such as:

  • Services claiming to remove legitimate and verifiable information;
  • Companies that advise you to use false information when challenging errors;
  • Getting charged an upfront fee when you sign up;
  • A website or representative making false and unverifiable claims;
  • Companies that encourage you to acquire a new EIN.

Going over reviews is another way to choose a trusted credit repair specialist in Los Angeles.

Need help choosing a credit repair company in Los Angeles?