Credit Repair in Los Angeles
Los Angeles is an expensive place to live, and your credit shows up everywhere: rental applications, car loans, security deposits, cell phone plans, mortgage rates, even some job and insurance decisions. If errors on your credit report are holding you back, Ortarias Credit can help you find them, dispute them and build a stronger credit profile.
We work with clients across the city of Los Angeles and LA County, from Downtown, Koreatown, Echo Park and Boyle Heights to South LA, Inglewood, the Westside, Hollywood and the Eastside. Everything is done remotely by Google Meet, email and our secure client portal, so you never have to fight LA traffic for an appointment.
Credit challenges we see in Los Angeles
Renting in a competitive market. In LA, many landlords and property managers check credit as part of a rental application. A collection reported in error or an account that isn't yours can cost you an apartment you otherwise qualify for. Reviewing your reports before you start apartment hunting gives you time to dispute mistakes.
Getting ready to buy. With LA home prices, the interest rate on your mortgage matters, and your credit affects that rate. If buying is on your radar, read our guide to getting your credit ready to buy a home in Los Angeles.
Medical debt that shouldn't be there. California's SB 1061, effective January 1, 2025, generally bars medical debt from appearing on consumer credit reports. If you still see medical collections on your report, that's worth a closer look.
Identity theft and mixed files. In a city this size, mixed credit files (accounts belonging to someone with a similar name) and identity theft are common sources of errors. You can report identity theft at IdentityTheft.gov.
How we help Los Angeles clients
1. Free 15-minute consultation. Book a Google Meet call and send us your most recent credit report. You can get free weekly reports from all three bureaus at AnnualCreditReport.com.
2. Line-by-line review. We go through your Equifax, Experian and TransUnion reports together and identify items that may be inaccurate, incomplete, outdated or unverifiable.
3. Disputes and follow-up. For items that qualify, we help prepare and track disputes with the bureaus and the companies that reported them. Bureaus generally have 30 days to investigate, according to the CFPB.
4. Credit building plan. Practical steps on payment history, utilization and new credit, so your progress lasts.
What we will never do
We don't promise specific score increases, timelines or deletions, and we don't try to remove accurate negative information. No one can legally do that. You also have the right to dispute errors yourself, for free, and we're happy to show you how.
Free local resources for Angelenos
LA County residents can also get free financial coaching, credit counseling and credit-building help through the LA County Department of Consumer and Business Affairs (DCBA) Center for Financial Empowerment (dcba.lacounty.gov, 800-593-8222). We believe in using every good resource available.
Business owners in Los Angeles
Starting or growing a business in LA? We also provide business credit and funding guidance, from setting up your EIN and D-U-N-S number to choosing vendor accounts that report. See Business Credit Basics.
Book your free Los Angeles credit consultation
Talk with Angel Arias, founder of Ortarias Credit, in a free 15-minute Google Meet call. We'll review your report, answer your questions and lay out your options with no pressure.
Call or text 818-850-0023
Results vary by individual. No specific score increase, removal or timeline is guaranteed.