Eliminate negative items on all 3 credit bureaus. Receive a plan tailored to life in LA, supported by our team of credit experts and trusted by clients across Los Angeles County and the nation.
Get StartedIf you’re reading this, you are probably feeling like this:
You get denied a rental in a market where landlords have dozens of applicants and credit is an easy way to cut that pile.
You work in entertainment, freelance, hospitality or the gig economy, and an uneven income has pushed out late payments or collections on your report.
You have collections, charge-offs, repossessions or medical bills on your report that you think are wrong or shouldn’t be there anymore.
One bad month of high rent, car payments and insurance turned into a credit problem that’s still haunting you.
You tried to dispute items yourself, but the process was prolonged, and nothing got fixed.
Our experts will work to dispute any unfair, inaccurate or unverifiable items on your credit report with the credit bureaus and creditors on your behalf.
We pull your entire credit report from all three bureaus and look for errors, duplicate accounts and stale items.
We dispute things like charge-offs, repossessions, medical collections and delinquent debts.
As your agent, we take care of the letters and hold music so that you can focus on auditions, shifts, clients and deadlines.
We translate your report into plain English so you can see what’s helping, what’s hurting and what to do next.
Whether it’s a lease for a competitive neighbourhood, a reliable car, or funding for your own venture, we help you get there.
We discuss your situation and goals via phone, email or video and determine what is holding your score back.
We pull your reports from the three major credit bureaus and highlight any items that are inaccurate, outdated or unverified.
We put together a plan for you based on your report, whether that’s a specific cleanup or full credit building and funding support.
Our team disputes flagged items with the bureaus and creditors and monitors each case to resolution.
We help you rebuild a positive credit history and keep in touch as your Client Success Manager (on applicable support plans).
If your pay varies, we help you develop habits and a strategy that will survive the slow months.
No silence until the end of the process, only regular updates and direct contact.
We don’t just remove negative items. Our services include credit-building support and (for eligible clients) help in securing personal funding of $50K+ or business funding of $100K+, which can help many of the independent creators and entrepreneurs in LA.
Splitting a lease or saving for a home together? Our couple packages let you work with your partner to rebuild as a team, and at a better overall price than individual packages.
Your case is handled by a full in-house team of dispute specialists, client success reps and a strategy team led by the founder, not some overworked agent.
We assist Los Angeles clients in making their finances simpler with the resources and education they need to access cash and build robust financial habits free of stress or confusion.
Integrity, Education and Real Results in every client interaction.
Financials was founded by a financial educator who’s all about clarity and simplicity, not the same old tactics.
Our team includes a dispute team lead, client success reps and dedicated disputers who work on your case every day.
Following the Credit Repair Organisations Act (CROA) with clear contracts, your right to cancel within 3 business days, no false promises.
There’s a plan for every step, from targeted credit repair to support for personal and business funding.
|
Plan |
Starting At |
Best For |
|
City of Angels Plan |
$550 (Reg. $1,000) |
Removing negative items across all 3 bureaus |
|
Oasis Plan |
$1,560 |
Credit repair + credit-building + funding guidance up to $50K |
|
Empire Plan |
$2,560 |
Personal + business credit, LLC setup, funding up to $100K |
|
Guardian Sweep |
$3,000 |
Aggressive dispute campaigns for severe derogatory items |
|
Ascend Mentorship |
$5,000 |
1-on-1 mentorship, credit + business strategy, funding up to $150K |
|
Dynasty VIP |
$7,500 |
White-glove service for entrepreneurs scaling wealth |
Book your free consultation and get clear steps on how to repair your credit report and reach your financial objectives.
Yes. Income gaps, not bad habits, often hurt the credit of freelancers and gig workers—dispute inaccurate items to build a steadier payment strategy and strengthen your applications. Our Empire Plan also covers business credit and funding support.
That helps. While you may be able to improve your report by removing inaccurate negative items, landlords also look at your income, rental history and other factors.
If any credit repair company promises you a score, that’s illegal, and you should stay away. What we can promise is a solid dispute process and ongoing support.
No. We are a 100% remote process, so no matter where you are in LA County, you’ll get the same support via phone, email or video.