Zenith Financial Group helps people in Los Angeles understand their credit reports, identify and dispute inaccurate or unverifiable items, and build stronger credit habits. Based in Encino, we have served the Persian-speaking community since 2015, with support in English and Persian.
What Is Credit Repair?
Credit repair is the process of reviewing your credit reports from Equifax, Experian, and TransUnion and challenging information that is inaccurate, incomplete, outdated, or cannot be verified. Under the Fair Credit Reporting Act, you have the right to dispute these items, and the credit bureaus must investigate.
You can dispute items on your own at no cost. Many people choose to work with a team because reading reports, preparing documentation, and following up with bureaus and creditors takes time and know-how. Our guides on how to read your credit report and how to dispute errors on your credit report explain the basics.
How Zenith Can Help
- Credit report review: we go through your reports with you and explain each account, inquiry, and notation in plain language.
- Finding potential inaccuracies: we help identify items that may be incorrect, duplicated, outdated, or not yours.
- Dispute support: we help prepare and follow up on disputes with the credit bureaus and, where appropriate, the companies that reported the information.
- Credit-building guidance: we talk through habits that support a healthier profile over time, such as on-time payments and lower balances.
- Support in English and Persian: ask your questions in the language you are most comfortable with.
Our Process
- Start a conversation. Tell us about your questions and the goals you have in mind, such as renting an apartment, buying a car, or qualifying for a mortgage.
- Understand your options. We review your situation together and discuss relevant considerations, limitations, fees, and possible next steps.
- Choose your way forward. You decide whether and how to proceed, with a clearer understanding of the process.
What Credit Repair Can and Cannot Do
Honest expectations matter. Credit repair can help correct information that is inaccurate or cannot be verified. It cannot legally remove accurate, timely, and verifiable negative information, and no one can guarantee a specific score or timeline. Outcomes depend on your individual reports, how bureaus and creditors respond, and your credit habits going forward.
Be cautious of any company that promises to erase accurate information, guarantees a score, or suggests creating a new credit identity. Those practices can be illegal.
Who We Work With
- People who found errors or unfamiliar accounts on their credit reports
- Families preparing to rent, buy a home, or finance a car
- Newcomers learning how the U.S. credit system works (see how to build credit as a new immigrant)
- Anyone rebuilding after a financial setback
Why Clients Choose Zenith
- Serving the Iranian and Persian-speaking community since 2015
- More than 8,000 cases closed
- Rated 4.6 out of 5 from 132 Google reviews (checked October 2026)
- Founder Mani Hatami is the author of several books on credit and hosts weekly Persian-language radio programs on personal finance
Recommended Reading
Credit 101: 101 Secrets to Improve Your Credit Score
A Persian-language book of short, practical lessons on credit reports, card balances, inquiries, and everyday habits that support a stronger credit profile.
Credit First, Success Next: Build the Foundation of Your American Dream
An English-language guide to credit reports and scores, building credit from the start, and recovering from financial setbacks.
Frequently Asked Questions
How long does credit repair take?
Credit bureaus generally have about 30 days to investigate a dispute, but the full process depends on how many items are involved and how bureaus and creditors respond. No specific timeline can be guaranteed.
Can credit repair remove late payments or collections?
Only if the information is inaccurate, incomplete, or cannot be verified. Accurate negative information can generally remain on your report for up to seven years.
Do you offer credit repair in Persian?
Yes. Our team speaks English and Persian, so you can discuss your credit in whichever language you prefer.
What should I bring to a first conversation?
Bring your questions and your goals. Ask our team which documents are needed and how to share them securely. Please do not send sensitive financial or identity details through unsecured channels.
Talk With Our Team
Ready to make sense of your credit? Contact us, call (818) 200-0000, or chat on WhatsApp.
Zenith Financial Group
15720 Ventura Blvd, Suite 612, Encino, CA 91436
Monday–Friday, 9:30 AM–6:30 PM
This page is for general information and is not legal or financial advice. Services, eligibility, fees, and outcomes vary. Discuss the scope and terms with Zenith before engaging any service. Zenith does not promise a particular credit score, removal of any item, or financial outcome.