Credit Repair in Los Angeles

Fix Your Credit Consulting is a credit repair consulting company with an office at 4741 Laurel Canyon Blvd, Ste 205, in Valley Village. We work with people across Los Angeles, in person at the office or by phone if you would rather skip the drive.

What credit repair is, and what it is not

Credit repair means reviewing your credit reports from Equifax, Experian and TransUnion, finding information that is inaccurate, incomplete or cannot be verified, and disputing it with the bureaus and with the companies that reported it. It does not erase debts you owe, and no one can lawfully remove information that is accurate, current and verifiable. If a company in Los Angeles tells you otherwise, read how to choose a credit consultant in Los Angeles before you sign anything.

Credit repair companies are covered by the federal Credit Repair Organizations Act and, in California, by the state Credit Services Act. Both require a written contract and give you a window to cancel after you sign.

Where we are in Los Angeles

The office is on Laurel Canyon Blvd between the 101 (Ventura Freeway) and Riverside Drive, about a mile north of Ventura Blvd. By road that is roughly 12 miles from Downtown LA, 5 miles from the Van Nuys Civic Center and 6 miles from downtown Burbank. Los Angeles is a big city and the drive is not always worth it, so the same consultation is available by phone.

If you live close by, we have separate pages for Valley Village, Studio City and North Hollywood, and a service area page that covers the rest of the San Fernando Valley and greater LA.

What a first consultation covers

The consultation is free:

• You provide a current credit report. We accept valid reports from any credit monitoring service.
• A consultant goes through a general review of your scores and reports from the three bureaus with you.
• You hear what the scope of work looks like and what the fee would be. Fees are customized, because they depend on how much work your report needs.
• You decide in your own time. Our how it works page has the details, including the cancellation policy.

What the team reviews on a three-bureau report

Each bureau keeps its own file on you, so the same account can look different in three places. A review compares them line by line and looks for things like:

• Names, addresses or employers that are not yours, which can point to a mixed file or identity theft
• Accounts you do not recognize, or accounts listed more than once
• Late payments, balances, credit limits or account statuses that do not match your records
• One debt reported by more than one collection agency
• Negative items that are older than the law allows them to be reported
• Hard inquiries you did not authorize

You can dispute errors yourself at no cost

You do not need to hire anyone to fix an error. Federal law gives you the right to dispute inaccurate information directly with each credit bureau for free, and you can get your reports at AnnualCreditReport.com. The Consumer Financial Protection Bureau and the Federal Trade Commission both publish step-by-step instructions, and so does our guide to disputing errors on your credit report. People hire a consultant to save time and stay organized, not because the right belongs to the company.

Buying a home in Los Angeles

If a mortgage is the reason you are looking at your credit, start with credit help for buying a home in Los Angeles.

Questions about credit repair in Los Angeles

Do I have to come to the office?

No. Consultations are available by phone, so you can work with us from anywhere in Los Angeles. If you prefer to meet in person, the office is at 4741 Laurel Canyon Blvd, Ste 205, in Valley Village. Book a time first so a consultant is ready for you.

How much does credit repair cost in Los Angeles?

The consultation is free. After reviewing your credit report we set a customized fee based on how much work is involved, so there is no single price. Services are month to month and billed in arrears, and federal law does not allow a credit repair company to charge for a service before it has been performed.

Can you remove accurate negative items from my credit report?

No. Neither you nor any credit repair company has the right to have accurate, current and verifiable information removed. What can be disputed is information that is inaccurate, incomplete or cannot be verified.

Who will I be working with?

Fix Your Credit Consulting is led by CEO Sandra Ruiz. Clients mention Sandra, Jeff and Mia by name in their reviews, which you can read on our reviews page.

Visit or call

Prefer to start online? Book a free consultation or send us your info and we will reach out.

Last updated November 4, 2026.

Next steps

• Credit repair near me: our service area
• Credit repair in Valley Village
• Credit repair in Studio City
• Credit repair in North Hollywood
• Debt relief vs. credit repair
• How our process works
• Client reviews
• Contact our team