Call Now to check Your
Credit Score for FREE!
With a simple, stress-free approach we specialize in removing inaccurate unverifiable information that only an experienced team can, we change hundreds of lives every single year helping you achieve your credit score goals!Call Now (888) 762-2515
According to a recent study, more than 80% of consumers have errors on their credit reports. We challenge those errors along with any other inaccurate, incomplete, outdated, and unverifiable information saving you time money and frustration.
Who Are We?
Southern California Credit is proud to be a consistently highly ranked credit repair team who specialize in improving credit ratings for hundreds of people every year.
Our mission is to give people a fair chance at financial freedom and it starts here! Don’t allow inaccurate information on your credit limit your options in life. And because 79% of all reports contain incorrect information, it’s a problem that’s likely holding you back in life right now. We’ve developed a unique credit repair program that allows you to get expert help, graduate with a 700+ score, and move on with your life. We feel it’s the least we can do.Schedule Consultation
“As our client, you’ll get the expert helping hand that allows you to take your life in an exciting new direction.”
Schedule A Call
Schedule your FREE consultation call and get a copy of your credit record.
Call Our Office
Enroll in our program during your call, and get started simply by providing your ID and proof of address.
Call Now (888) 762-2515
Here’s what we
can help with:
- Identity Theft & Fraud
- Inaccurate Personal Information
- Unauthorized Access
- Medical Collections
- Child Support
- Issues With Late Payments
- Repossessions & Foreclosures
- Tax Liens & Bankruptcies
- Collection Accounts
- Time-Consuming Charge Offs
- Complex Judgements
- And More...
Know Your Credit Factors
FICO Scores are calculated using many different pieces of credit data in your credit report. This data is grouped into five categories: payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and credit mix (10%).
Your Payment History
Lenders need to know if you’ve paid your previous credit accounts on time so they can asses the risk of lending to you. This will have the single biggest impact on your FICO Score.
The Amount You Owe
Just because you borrow money doesn’t mean your FICO drop, but if the lenders think you’re overextended then it will count against you. Living within your means make a big difference.
Credit History Length
The longer your credit history generally the higher your FICO Scores. But as this only makes up 15%, This along with the golden rule that will secure you the credit score you want.
Your Credit Mix
Every FICO Score will consider the sources of your credit. Mortgages, credit cards, loans, and other lending arrangements all play a part in this part of your score.
10% Your Access To New Credit
If you’ve recently opened a number of credit accounts it may be a sign that you’re a higher risk borrower. Take this into account when deciding to borrow.
Here’s how we can help:
What’s covered by the audit fee
- Credit Monitoring
- 3 x Comprehensive Bureau Reports
- Score Builder & Tracker
- Powerful Money Manager
- Unlimited Disputes & Monthly Updates
- Results In Just 30-45 Days
- Affordable Monthly Payments (No Contracts)
- $1M of Fraud Protection
And for that added peace of mind we also offer a full guarantee for all of our services.Schedule Consultation
FAQs: Everything you need to know
Keep your balances as low as possible, and pay on time then you will give yourself the best possible chance of success.
The credit bureaus take up to 30 days to process disputes and issues raised, which means you will start to see results in as little as 30-45 days. The longer you remain in our credit repair program, the more results you will see.
This will depend on the current state of your credit history, but we always go the extra mile to ensure you see results quick. The typical timeframe to graduate is 3-9 months, it is based your individual circumstances and we are more than happy to ensure you get the fastest results as possible.
You will be charged an audit fee when you sign up, followed by a monthly fee 30 days later. If you decide to cancel, a balancing payment will be requested to cover our work. We only invoice once the work has been done.
Yes, you can. We simply ask for cancellation in writing to be sent to our office before the 1st day of the next billing month.