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Credit repair · Studio City, CA · Nationwide

Better Credit.
Better Life.

We are a top rated and fully bonded credit repair consulting company. We are extremely aggressive and also teach you how to maintain good credit. After reviewing your credit report, our Credit Consultants determine a customized fee based on your situation.

4.9★on Yelp · 243 reviews
2003certified since
Bondedfully bonded company
3California offices
Fix Your Credit

Expert Credit Consultants

Fix Your Credit Consulting’s experienced Credit Repair Consultants value having one on one relationships with their clients, and are determined to raise your credit score quickly.

Fix Your Credit Consulting’s main office is located in Studio City, CA with service nationwide. You can also visit a credit repair consultant at our other offices in San Francisco and San Diego, CA. Contact Fix Your Credit Consulting today!

The Fix Your Credit Consulting team of credit consultants
How we do it

The climb, step by step

Our credit repair company doesn’t just assist you through the entire credit repair process; we also provide important credit information.

Your credit journey
Free consultationStep 1 of 4
Illustrative
not a score
StartResults in as little as 35–45 days

Chart is an illustration of the process, not a measurement of any score. Individual results vary.

01

Free consultation

First we start with a free consultation and a general review of your credit scores from the three bureaus to determine the scope of the work needed and the fee to charge. In order to receive the free consultation you must provide us with your credit report. There are many sites that provide this service and we accept valid credit reports from any credit monitoring service.

From our How It Works page
02

A personalized plan

Each credit report has its own unique set of issues, so our Credit Repair Consultants work with you to create a customized plan of attack to achieve maximum results. Fees for our credit restoration services vary depending on how much work is involved. After reviewing your credit report, we determine a customized fee based on your situation and needs.

From our home + How It Works pages
03

We challenge the items

Fix Your Credit Consulting shall prepare challenges for items appearing on the customer’s credit reports to validate accounts are not inaccurate, incomplete, obsolete, or unverified as per the Fair Credit Reporting Act. Follow-up services will be fully performed by Fix Your Credit Consulting every 30 days not to exceed every 40 days.

From our Terms & Conditions, Exhibit A
04

Monitor credit 24/7

You will have 24/7 access to monitor your credit score and credit progress through the client portal. Once we begin, you can expect to see results in as little as 35 to 45 days. We do not stop until your scores improve.

From our home + How It Works pages
What we do

Three ways we help you move forward

Personalized

Personalized Plan

Each credit report has its own unique set of issues, so our Credit Repair Consultants work with you to create a customized plan of attack to achieve maximum results.

Our credit repair consultants will make a personalized plan
24/7 access

Monitor Credit 24/7

You will have 24/7 access to monitor your credit score and credit progress through the client portal.

Monitor your credit 24/7
Reviews

We have over 200 Reviews!

Yelp
4.9
★★★★★
Based on 243 Reviews
Fix Your Credit Consulting - Credit Repair in Los Angeles, San Diego, San Francisco
Watch: Fix Your Credit Consulting
★★★★★

Let me start my review by saying - if in doubt, don't be! Fix your credit is hands down a life line of a new life. In this economy we all are struggling to...

Liandra S.· Yelp, 2026
★★★★★

Sandra was extremely insightful- she does not try to upsell her services and will keep you honest on the best approach forward. She procures solutions based...

Alex· Yelp, 2026
★★★★★

Great service, handling all items that they said they would. Will use again in the future if we need it!

Miguel J.· Yelp, 2026
★★★★★

Great service and consulting! I worked with Sandra and Jeff; they're both friendly, punctual and knowledgable. Thank you!

BG S.· Yelp, 2026
★★★★★

They did great work, highly recommend - handled some items on credit report and cleaned a bunch of stuff up.

Jim H.· Yelp, 2026
★★★★★

They are the best of the best!!! They are knowledgeable great customer service and they go above and beyond. Sandra helped me increase my credit score...

Jose V.· Yelp, 2026
★★★★★

I would highly recommend Fix Your Credit Consulting. Sandra and her team go above and beyond to provide amazing results. She believes in educating her...

Elias E.· Yelp, 2025
★★★★★

Highly Recommend! Raquel Yearwood is awesome. She immediately took my call, asked me to send her some info, and within an hour, she had a full snapshot of...

Jacqui B.· Yelp, 2025
★★★★★

Sandra is absolutely amazing! This business really helped me get back in my feet and did amazing work fixing my credit. They took me from horrible credit to...

Sam J.· Yelp, 2025
★★★★★

My financial advisor recommended Sandra and Jeff to me so I can fix my credit profile. Credit is so essential to our everyday life. Within one month, my...

Deanna P.· Yelp, 2025
★★★★★

Sandra was most helpful and knowledgeable!!!!Services are very affordable! This company will not take your money unless they can truly help you with their...

Linda F.· Yelp, 2025
★★★★★

The best customer service I have ever dealt with. To begin with, I did have 2 negatives on my report, but the enrollment counselor explained why I didn't...

Gregg S.· Yelp, 2025

Excerpts as published on Yelp. Individual results vary.

Sandra Ruiz, CEO of Fix Your Credit Consulting
Sandra RuizCEO
About Fix Your Credit Consulting

Certified credit repair professionals since 2003

Our credit repair experts at Fix Your Credit Consulting have been certified credit repair professionals since 2003. Prior to starting Fix Your Credit Consulting, CEO – Sandra Ruiz was a mortgage broker and saw firsthand how bad credit was affecting her clients. In order to help them qualify for home loans, she began working to repair their credit and, within a few months, she was able to increase their scores to the point that they qualified for great rates for the homes they wished to purchase or refinance.

Our goal is to help you raise your credit score, so you can start living the life you deserve.
Read our story →
FAQs

Frequently Asked Questions

What is credit?
Credit is when one party (the lender or creditor) gives money to another party (the debtor) who is then expected to pay it back at a later date, usually with a set amount of interest added to it. This often takes the form of credit cards or loans.
What is a credit score?
A credit score is a number used to measure how trustworthy you are in regards to paying back money you have borrowed (credit). It is expressed as a number between 300 and 850, with higher being better. Potential creditors will use this number to gauge whether they can trust you with a new credit card or loan.
What factors influence your credit score?
Your credit score is determined by a number of factors, including but not limited to: payment history and card balances, age of credit, variety of accounts, and available credit.
Why do I have three different credit scores?
There are three different credit bureaus (Equifax, Experian, TransUnion) that use different equations to determine your credit score. You can find all of these scores on your credit report.
What is a credit report?
Your credit report is a summary of your credit history and includes factors such as lines of credit or loans you have been given (both paid off and still open), details on whether you have been late paying off said loans or if you paid them on time, bankruptcies, a list of creditors who have asked to look at your credit report–these are known as inquiries–and personal information such as your name (or names you have had in the past), current and past addresses, and your birth date.
Where can I view my credit report?
There are plenty of websites that can provide you with your credit report, though those services usually require a small fee. However, the three bureaus are required by law to provide you with one free credit report a year which you can get from this website: https://www.annualcreditreport.com/index.action
Free consultation

Get started today!

  • FREE Consultation
  • FREE Credit Report Summary
  • FREE Credit Repair Recommendation

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