Need help improving your credit?

California's Best Credit Restoration

Since 2002

Experienced, Certified Professionals

Our staff is made up of experienced and highly competent professionals who are trained to provide immediate, quality care in credit restoration services.

We can remove:

  • Late Payments
  • Collections
  • Charge Offs
  • Identity Theft
  • Inquiries
  • Fraud
  • Incorrect Personal Information
  • Closed Accounts
  • Negative Settlements

Our Locations

(805) 240-2655
309 South A Street
Oxnard, CA 93030
(661) 631-0280
131 Chester Ave,
Bakersfield, CA 93301

It’s not easy having poor credit. You may struggle to get a credit card, qualify for a home loan or rent an apartment. The good news is that you don’t have to be stuck with an unimpressive credit report. There are many ways to boost your score and become a more qualified applicant. CreditRepairByLawyers has a highly qualified and competent team of professionals who can repair your credit in as little as 3 months.

What Our Credit Repair Lawyers in Oxnard and Bakersfield Can Do for You

CreditRepairByLawyers offers credit repair services to those who want to boost their credit score. When you purchase our services, you will receive personalized attention from our professionals who are trained in credit restoration services. Everything we do is honest and transparent.

Below are the steps our credit repair experts in Oxnard and Bakersfield will follow when working with you.

  • Obtain your credit report. We start the process by obtaining your credit report from the three major credit bureaus: Equifax, Experian and TransUnion.
  • Review your report for derogatory remarks. Our team will review your credit report and look for derogatory remarks (negative information). These marks can come from anything, such as paying a loan late or missing a mortgage payment.
  • Create a plan to dispute errors. Some errors can be disputed on your behalf, especially if the information is not valid. To do this, our staff may request information from the creditors, send dispute letters or write cease-and-desist letters.
  • Negotiate on your behalf. For derogatory marks that can’t be removed, our team will negotiate with the creditors. Our Oxnard and Bakersfield credit repair specialists are often successful in settling these accounts and having the marks removed.

Once we complete our process, your credit score will improve. Be patient, as the credit bureau has 30 days after receiving the dispute to investigate all information. We typically tell clients to give us 3-6 months to complete our services, though rebuilding your credit will take longer.

 

What Information Can Our Credit Repair Lawyers Dispute?

Our credit repair lawyers in Oxnard and Bakersfield can remove anything that shouldn’t be on your report, such as credit report errors, past financial mistakes and outdated information. The Fair Credit Reporting Act defines the type of information that can stay on your report and for how long, usually 7 years. However, unless you dispute the mark and communicate with the creditors, negative information may stay on your report longer.

Here are some of the things that our credit repair professionals can remove from your credit report:

  • Late payments
  • Collections
  • Charge offs
  • Identity theft
  • Inquiries
  • Fraud
  • Incorrect personal information
  • Closed accounts and negative settlements

Importance of Rebuilding Your Credit

Our process is effective and continues to improve the lives of our clients. Whether it’s one error or many, our credit repair lawyers in Oxnard and Bakersfield are patient and diligent. They write the appropriate letters, make the proper phone calls and negotiate with the right people.

Meanwhile, you can focus on rebuilding your credit, which is an important part of the credit repair process. To have negative information removed from your credit report is a step in the right direction, but you also need to work on rebuilding your credit. Here are a few tips to do this.

  • Pay bills on time. Always pay your bills on time. If you have a habit of forgetting to make your payments, set up autopay.
  • Keep balances low. Keep your balances low - aim for about 30% credit utilization. To lower your percentage, pay down your balances.
  • Get a secured credit card. If your credit cards were closed, open a secured credit card. This card is backed by upfront cash.
  • Avoid closing accounts. If you do have credit cards, keep the accounts open. Longer credit history leads to better scores.
  • Practice smart financial habits. Live within your means and build up an emergency fund. This reduces your reliance on credit.

Why Choose Our Credit Repair Lawyers in Oxnard and Bakersfield

CreditRepairByLawyers is committed to helping our clients improve their credit scores and become more qualified applicants. Within a few months, many of our clients are able to do things they weren’t able to do before, such as qualify for a car loan or get a credit card. We are transparent in everything we do and maintain excellent communication throughout the process.

Credit repair services pop up everywhere, but some close just as quickly as they start. Don’t fall for any scams! CreditRepairByLawyers has been in business since 2002, and we have hundreds of satisfied clients. We also offer free, no obligation consultations, so call us anytime to discuss your needs for credit repair in Oxnard and Bakersfield. We look forward to helping you achieve your financial goals.

 

What our clients said about us?


This is one of those rare businesses that promises exactly what they say. I had a serious delinquent on my credit report - partly my fault and partly the auto company's fault - that severely damaged my perfect credit score. A few months afterward, credit error gone!

— Melissa

I saw lots of good reviews online and decided to choose them to fix my credit. I want to say thanks. Very patient and helpful. Always reachable and answered all the questions that I have as best as they can.

— Jose

I have worked with the team for years and they are the best credit repair company hands down. I refer all of my clients to them and I have never had anyone unhappy or complain about their services. The most common response is thanks so much for referring me!

— Daniel