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Best Credit Repair in Los Angeles, CA

It's hard to get a good apartment in LA with bad credit. Credit repair services in Los Angeles can remove negative marks from your credit report by disputing inaccurate information with the credit bureaus. California has the third-highest incidents of identity theft in the country, so credit repair firms are popular across the state.

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by Kathryn Parkman ConsumerAffairs Research Team

Discover the right credit repair company for you

We'll match you with the right company that knows what you need.

LabelCompany nameLogoContactSummary
Best Overall(478) 845-6310 Get a Free Quote Visit website
LabelCompany nameLogoContactSummary
Runner-up(888) 751-6072 Visit website

Top 14 Los Angeles Credit Repair Companies

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Sky Blue Credit Repair
Read 80 Reviews

Charges $79 setup fee. Monthly fees start at $79. Typical customers see credit score improvement results within 30 days. Offers 90-day money-back guarantee. No cancellation charges. Available nationwide.

Visit Website Toll free number (844) 729-7792
Lexington Law
Read 1,538 Reviews

Provides free consultation and credit reports. Monthly fees range from $89.85 to $129.95. Customers see results within six months. No money-back guarantee. Cancel services anytime. Not available in Oregon or North Carolina.

Credit Saint
Read 48 Reviews

Charges initial work fee from $99 to $195. Monthly fees range from $79.99 to $119.99. Provides a 90-day money-back guarantee. Refunds limited to payments made for 90 days of service only. Available nationwide.

Visit Website Toll free number (844) 598-8459
CreditRepair.com
Read 28 Reviews

Charges one-time $14.99 fee to pull credit reports. Monthly fee is $99.95. Average credit score improvement results within six months. No money-back guarantee. Cancel account anytime. Available nationwide.

The Credit Pros
Read 36 Reviews

Setup fees range from $19 to $149. Monthly fees from $19 to $119. No money-back guarantee. Cancel credit repair services any time. Available nationwide.

Visit Website Toll free number (844) 335-5496
740 Plus
Read Expert Review

Provides free initial consultation. Specializes in third-part collection agencies, vehicle repossessions and judgments. Charges monthly or upfront fees based on your credit.

American Credit Repair Los Angeles
Read Expert Review

Offers a free consultation with no obligation to use their services. Averages a 100 point increase in credit scores. Clients typically see results with 60 - 90 days.

Christina Credit Repair Service
Read Expert Review

Offers free consultations. Charges an $80 monthly service charge. Cancel at any time. Provides a 90-day money-back guarantee.

Comet Credit Repair
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Provides a 6-month money-back guarantee. Access to software that allows you to track the progress of your case in real-time. Averages 60 - 100-points improvements in as little as 35 days.

Enrich Financial
Read Expert Review

Offers free consultations and customized plans. Specializes in late payments, collections, charge-offs, bankruptcies, inquiries and foreclosures. Access your account 24/7.

Future Credit Fix
Read Expert Review

Provides free consultation. Analyzes your credit report for any inaccuracies and disputes them with the credit bureau on your behalf. Charges for month-to-month services.

Hollywood Credit Repair
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Offers a discount on initial sign up fee when you enroll online. Charges customized fees based on services requested. Specializes in the pre-litigation process for credit repair solutions.

Imax Credit Repair Firm
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Provides comprehensive credit repair programs. Includes personal credit coaching, credit score improvement plans and future mortgage and loan approval. Clients typically see results within 45 days.

Infinite Financial Firm
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Provides personalized, one-on-one service. Removes on average 7% of negative items from each client’s credit history. See results within 45 days.

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Credit repair services in Los Angeles

The average credit score
in California is 680.

Getting an excellent apartment or a new car on your terms can be difficult if you have bad credit. However, credit repair services in Los Angeles remove incorrect information from your credit report, possibly increasing your score. LA credit repair services can also help you improve your credit by examining the key factors influencing your credit score and making suggestions to help you raise your score.

The company of your choice examines your credit reports and then dispute negative information with the credit bureaus. If the claim is unverifiable, then the bureau has to remove the information. This process can be especially useful if your credit score has been compromised because of identity theft.

Credit repair regulations in Los Angeles

Federal regulations make it illegal credit repair businesses to make false claims or ask you to be dishonest with lenders. Moreover, under California law, each company must file an application with the state’s Attorney General office to receive a registration certificate. You can request to view this certificate through California’s Department of Justice.

The credit services organization must also obtain a $100,000 surety bond and keep this bond in effect for up to two years after discontinuing service in California. This bond protects you if the organization doesn’t comply with state or federal laws.

Los Angeles credit repair FAQ

Is credit repair legal in California?
Yes, credit repair is legal under California law. However, firms must abide by the laws outlined under the California civil code.
How much does credit repair cost in Los Angeles?
On average, credit repair services cost about $99 per month in Los Angeles. Your costs are dependant upon the firm and services.
What was the Credit Services Act of 1984?
Enacted by the California legislature, the Credit Services Act of 1984 protects consumers by prohibiting credit repair companies from engaging in deceptive practices.
How can you tell if a Los Angeles credit repair company is a scam?
Los Angeles credit repair companies that ask you to provide false information to lenders on the basis of obtaining new loans to improve credit scores is a red flag. Other red flags include a company asking you to agree to their services without a written contract or if they haven’t filed their business with California.
How can I get a free credit report in California?
Everyone in California can get a free credit report annually.

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    Los Angeles credit repair company information

    Future Credit Fix

    Future Credit Fix's services start with free, personal consultation then a deep dive of your credit histories. From there, it develops an action plan that helps you see how the company can improve your score and how long it might take. Ask about the company's personalized consultations with a certified FICO credit professional. Future Credit bills on a month-to-month basis and results are seen in as little as 30 days.

    • Service areas: LA metro area
    • Address: 5455 Wilshire Blvd. 8th Floor Suite 804, Los Angeles, CA 90035
    • Phone: (855) 424-9344
    • Hours: M - F: 8am - 5pm
    • Website: futurecreditfix.com
    740 Plus

    740 Plus provides credit repair and debt settlement services. Along with disputing incorrect information, it can negotiate with your creditors to settle your balances for a reasonable amount. The company provides services for credit card debt, vehicle repossessions, judgments and more. 740 Plus is Attorney General registered and bonded and the only federally compliant firm in the state of California.

    • Service areas: LA metro area
    • Address: 2901 Sycamore Avenue, Glendale, CA 91214,USA
    • Phone: (818) 813-8230
    • Hours: M - F: 9am - 7pm; Sat - Sun: 10am - 3pm
    • Website: 740plus.com
    Christina Credit Repair Service

    Christina Credit Repair Services offer a wide range of services, including a credit score evaluation, credit repair services, credit solution advice and strategies for dealing with debt collectors. Services start at $80 a month, the company provides a 90-day money-back guarantee and you can cancel anytime.

    • Service areas: LA metro area
    • Address: P.O. Box 32443, Los Angeles, CA 90032
    • Phone: (323) 422-5653
    • Hours: M - F: 9am - 7pm
    • Website: christinacreditrepair.com
    Imax Credit Repair Firm

    Imax Credit Repair disputes incorrect information with the credit bureaus, including filing lawsuits when necessary to have the item removed. Clients also have access to a credit coach, who’ll help you take steps to improve your score. Credit repair plans start at $849, there are no upfront fees and you are only charged if there are results.

    • Service areas: LA metro area
    • Address: 8939 S Sepulveda Blvd., Suite 102, Los Angeles, CA 90045
    • Phone: (866) 611-4629
    • Hours: M - Sun: 7am - 10pm
    • Website: imaxcredit.com
    American Credit Repair Los Angeles

    American Credit Repair specializes in helping you attain your financial goals, such as buying a home or getting a credit card. Upon consultation, it investigates your credit reports to see which factors influence your score and develop strategies to help you improve it. This company provides a comprehensive analysis of your credit issue and promises results in as little as 60 days.

    • Service areas: LA metro
    • Address: 12337 Wilshire Blvd., Los Angeles, CA 90025
    • Phone: (310) 829-9900
    • Hours: M - F: 9am - 6pm
    • Website: americancredit.com
    Hollywood Credit Repair

    Hollywood Credit Repair offers 50% off the initial sign up fee on their website. Upon consultation, it investigates your credit reports to see which factors influence your score and develop strategies to help you improve it. During this time, the company discusses with you their customized fee for your case.

    • Service areas: LA metro area
    • Address: 1722 Westwood Blvd. #200, Los Angeles, CA 90024
    • Phone: (888) 688-0481
    • Hours: M - F: 9am - 7pm; Sat - Sun: 12pm - 5pm
    • Website: hollywood-credit-repair-debt-consolidation.business.site
    Comet Credit Repair

    Comet Credit Repair provides free consultations when it examines your situation and present solutions most applicable to you. These solutions include disputing incorrect information with the credit bureaus, suggesting behaviors to improve your score and monitoring your progress through their software. The company provides a 100% money-back guarantee if they do not remove a minimum of 25% of the negatives from your report.

    • Service areas: LA metro area
    • Address: 250 E 1st St. #403, Los Angeles, CA 90012
    • Phone: (213) 207-6023
    • Hours: By appointment
    • Website: losangeles-creditrepair.net
    Infinite Financial Firm

    Infinite Financial Firm offers offer a three-step plan to improve your score. It starts by inspecting your credit reports then contact the credit bureaus to dispute incorrect information. On average, its clients experience 7% of the negative items on their reports removed every month. The company states its credit repair techniques have a 100% success rate.

    • Service areas: LA metro
    • Address: 1722 Westwood Blvd. #200, Los Angeles, CA 90024
    • Phone: (888) 688-0481
    • Hours: M - F: 10am - 7pm; Sat - Sun: 12pm - 8pm
    • Website: infinitefirm.com
    Enrich Financial

    Enrich Financial works with you to improve your financial health by disputing incorrect or unverifiable items on your credit reports. It offers counseling services on building an emergency fund, managing debt and more. The company provides services to remove late payments, collections, charge-offs, bankruptcies, inquiries, foreclosures and other issues outlined on their website.

    • Service areas: LA metro
    • Address: 18653 Ventura Blvd. #107, Tarzana, CA 91356
    • Phone: (800) 610-4575
    • Hours: M - F: 9am - 9pm
    • Website: enrichfin.com
    by Kathryn Parkman ConsumerAffairs Research Team

    As a member of the ConsumerAffairs Research Team, Kathryn Parkman believes everyone deserves easy access to accurate and comprehensive information on products and businesses before they make a purchase, which is why she spends hours researching companies and industries for ConsumerAffairs. She believes conscious consumption is everyone's responsibility and that all content deserves integrity.

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