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Zenith Financial Group DBA Credit Repair Experts is a credit restoration company that works with clients to improve credit profiles by challenging questionable, inaccurate, outdated, misleading and or unverifiable data on consumer credit reports.

What We Do? We understand the unforeseen can happen. We believe everyone deserves a second chance and our credit experts are here to help you. We work with you to help you attain the highest best credit possible...and give you the knowledge to keep it that way. Your "best interest" is our goal.

First, we work together to review your credit report line by line, to identify items that are potentially reporting incorrectly, items that are outdated, unverifiable, misleading, or questionable. We assist in the correspondence needed to interact with the major credit bureaus and your creditors to remove or correct these questionable negative items from your credit report.

Next, we work with you on creating an action plan for things you can do to maximize your credit profile; simple adjustments to the way accounts are being reported can have a massive impact on your overall credit grade, and profile. We educate you every step of the way so you know how you can continue to manage your credit long after your time with us. We even provide you with the tools to properly budget your lifestyle.

During this entire process, you are able to login to your file 24/7 to view recent activity, messages from our staff, and to see what negative items have been corrected from your report. The most important part is that everything we do to raise your score is 100% legal and governed under the Credit Repair Organizations Act. Our clients have the opportunity to save hundreds of thousands on their mortgage, credit card bills or even their car insurance. Call us at 1 (818) 200-0000 for a free consultation...you have nothing to lose!

  • Collections
  • Late Payments
  • Identity Theft
  • Liens
  • Bankruptcies
  • Duplicates
  • Repossessions

Reduce the Amount of Debt You Owe

This is easier said than done, but reducing the amount that you owe is going to be a far more satisfying achievement than improving your credit score. The first thing you need to do is stop using your credit cards. Use your credit report to make a list of all of your accounts and then go online or check recent statements to determine how much you owe on each account and what interest rate they are charging you. Come up with a payment plan that puts most of your available budget for debt payments towards the highest interest cards first, while maintaining minimum payments on your other accounts.

  • Junk Debt Buyers
  • Short Sale/Foreclosure
  • Incorrect Personal Info
  • Inflated/Expired Debts
  • Outdated Information
  • Debt Management/CCCS
  • Ex-Husband/Ex-Wife

Setup Payment Reminders

Making your credit payments on time is one of the biggest contributing factors to your credit scores. Some banks offer payment reminders through their online banking portals that can send you an email or text message reminding you when a payment is due.

You could also consider enrolling in automatic payments through your credit card and loan providers to have payments automatically debited from your bank account, but this only makes the minimum payment on your credit cards and does not help instill a sense of money management.

  • Chex Systems
  • No Credit Score
  • Security Clearance
  • Excessive Inquiries
  • Mixed Credit Files
  • Judgments
  • Charge-Offs

Check Your Credit Report

Credit score repair begins with your credit report.

If you haven't already, request a free copy of your credit report and check it for errors.

Your credit report contains the data used to calculate your score and it may contain errors. In particular, check to make sure that there are no late payments incorrectly listed for any of your accounts and that the amounts owed for each of your open accounts is correct.

If you find errors on any of your reports, dispute them with the credit bureau.