Our credit experts can help you understand a variety of topics such as how to navigate your loans, credit cards, money management, and more. 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.

Alternatives To Credit Repair Companies

Request credit reports from the main three credit bureaus — Experian, Equifax and TransUnion — and verify that the information is accurate. Check for discrepancies with your name, address and other personal info, as well as with account details (like balances, credit limit and payment history) and anything sent to a collection agency. If you find any errors on your credit report, start a dispute as soon as possible.

Credit Saint offers three different plans, allowing you to select the one that best fits your credit repair needs. You’ll get a free consultation, where you can review your situation and discuss the pros and cons of the different plans. Credit repair companies will identify and challenge errors and problematic accounts. They may be able to get legitimate accounts removed from your record if the credit bureau is unable to verify the account information or the creditor does not provide it.

The time frame will vary based on your financial history, credit cards, loans, mortgage, debt, and other financial factors. All of our credit repair analysts are well-versed in the mortgage and underwriting requirements. We will work with you (the buyer), your lender, and the real estate professional involved in your purchase to ensure we are able to hit your closing date deadline with efficiency. Our process includes the creidt reporting agencies (CRA’s), creditors and third-party collection agencies who have reported erroneous information on your credit report. Going after the inaccurate information on all platforms helps create a permanent result.

Stay Well Below Your Credit Limits

It offers credit repair services, such as reviewing reports, identifying discrepancies, and processing documents. It also negotiates with credit bureaus and creditors to remove inaccuracies, including charge-offs, late payments, bankruptcies, and collections. Credit Glory helps clients improve their credit scores and take control of their finances. It also assists in dealing with fraudulent accounts due to identity theft. Credit Power LLC is a credit repair firm that works with clients in the Washington, D.C., metro area to improve their credit scores.

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. Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes.

Our company strives to work with our clients through many different outlets to help them improve their credit scores. Through our services, many of our clients go on to having perfect credit and are able to make better financial decisions. Lastly, The Credit People charges one of the lowest initial work fees.

Carefully review services offered and packages — if applicable — to find the best fit. The Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. Use Experian Boost® to get credit for the bills you already pay like utilities, mobile phone, video streaming services and now rent. Lexington Law has a deep and detailed information section on its website.

We trust them to provide the highest level of service complimentary to the service The Phenix Group provides to our consumers. Phenix Group is hands down the best credit repair company for anyone looking to improve their credit to buy a home, car, etc. As a lending professional, I can attest that they are head and shoulders above other credit restoration outfits.

I’ve compared companies based on their offerings, pricing, and reputation to help you get started. Some, like Credit Saint, offer several packages to choose from, while others, like Credit Glory, only have one package. It’s no secret, credit repair as it relates to home buying is our jam; but that doesn’t mean we can’t help the everyday consumer improve their credit score, too. Even if you may not currently be in any other category listed above, your credit is no less important.

Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service. Even some of the best credit repair service s charge a monthly subscription fee. Since credit repair is something you can do on your own for free, it’s important to determine whether you can afford the fee and if the services provided will be worth the cost.