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    Fix Your Credit Consulting

    4.9 (242 reviews)
    Open 9:30 am - 6:00 pm

    By appointment only

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    Response time

    10 minutes

    Response rate

    100%

    Services - Fix Your Credit Consulting

    Debt management

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    2 months ago

    Great service, handling all items that they said they would. Will use again in the future if we need it!

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    6 months ago

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    1 year ago

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    11 months ago

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    9 months ago

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    11 months ago

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    2 years ago

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    4 years ago

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    5 years ago

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    3 years ago

    Business owner information

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    Sandra R.

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    4 years ago

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    6 years ago

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    4 years ago

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    7 years ago

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    7 years ago

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    9 years ago

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    5 years ago

    Good for easy items like credit inquiries. Not so good for hard to remove items.

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    Page 1 of 7

    Ask the Community - Fix Your Credit Consulting

    Do you advise on debt consolidation?

    Hey Jody, debt consolidation is not something that is in our area of expertise. But we can review credit reports and see what we could advise you to make sure you can get back on track after consolidation.

    Tengo bancarrota en nov2023 , ustedes que pueden hacer al respecto de bancarrotas?

    Es muy temprano para hacer algo tiene que tener como 7 anos antes que nosotros podemos quitar eso. Mientra tanto abre secured credit cards para reglar el credito de nuevo.

    Hello my husband and I are trying to purchase a home ASAP and I qualify for the first time home buyer program but he doesn't because what ever scoring system they look at has him at a 580 and they said he needs a 620. Can you help in a short time?

    Hi Sabrina yes it is possible give me a call 818-330-4023. Thank you, Sandra

    Hi, how long after a surrender repo can you remove the repossession from your credit?

    It depends on whether you pay balance owed or not but usually it has to be more than 4 yrs from surrender date of you don’t pay it. If you pay if sometimes sooner depending… 

    Are you able to get child support off my credit history and recent inquiries?

    Hello, Justin. Thanks for reaching out! We can remove inquiries off Experian and Equifax. For Child Support lates, unless there is some sort of fraud or ID Theft involved, it's unlikely that they would get removed.

    I have no collections and 3 late payments, can you help me? My score will not go over 650

    Thank you for reaching out to us, we will be closed until January 3. Please provide your contact information so that we can contact you once we reopen and discuss your credit score and how you can raise it above 650!

    Is there anything that can be done about defaulted student loan debt (from a credit report perspective)?

    Hey Lilly! Thanks for reaching out. For the purposes of credit repair, negative student loan items… 

    Is getting my credit clean also mean deletions that can never be seen again?

    Yes that is correct, if they pull your report anything that was removed cannot be seen again. Unless a creditor you defaulted with pulls it sometimes it is still seen in their internal database if it has been less than 7 years since you defaulted.

    Don’t See Your Question? Ask Away!

    Review Highlights - Fix Your Credit Consulting

    In the consultation, Sandra will looked at your credit profile to tell you if she can help you or not.

    Mentioned in 100 reviews

    Read more highlights

    Speedy Credit Repair - Speedy Credit Repair Inc.

    Speedy Credit Repair

    (99 reviews)

    I urge everyone to please do NOT go through with Speedy Credit Repair…read more They are scammers. Do not believe the fake reviews. We enrolled with them for 6 months. We understand coming into this it's a possibly our credit issue may not be fixed. We know this will take time. But one thing this company lacks is integrity. They are not true to their word. If you say something such as "I will call you back", please carry out your promise. All I asked for was communication. During this entire process, I only spoke with Chris 2 times. I called, no one answered I texted, no one answered You email Chris, no response He has an assistant Laurie who will respond to emails. She mentioned in my last email " Yes, Chris knows you are expecting a call" guess what? He never called me back!!! Chris said he will contact his lawyer associate and stated " I will call you back and give you an update" guess what? He never called back. They have you enrolled in a credit monitoring program which you have an additional fee. They probably get some sort of incentive. I can go on and on... there's has been so many occasions. Honestly, don't waste your time and money!!!!!!

    Before I hired this company, Mr. Chris L. gave me a call fairly quickly when I requested a free…read moreconsultation. Phone call nearly lasted an hour, explains to me his story, how everyone has slip ups with credit, how he knows how to repair credit ethically and properly. Gave me his story how he initiated his company, when I asked to proceed he asked for a $200 fee up front and after that $199 a month for 6 month contract. He also sent me documents to sign, nearly a dozen, all stating ways for him to stay covered from legal troubles and so I don't ask for a refund and it's a non refundable deposit. I was not asking for a miracle with my credit score, I was aware how I messed up my credit but I didn't know how to tackle it to get it better, Mr. Chris highly recommended not to worry that he will help me that that's why I hired him, he'll tackle these companies to try and get rid of them from my credit score, 3 months pass by and I ask for a update of how the situation is going, no response. I called and emailed his assistant Laurie, no response, when I did get a response it was for me to set up an appointment, in which I did, come to the date of? No call, no text no email. 2.5 more months passed by, I reached out again, Mr. Chris said, "I'll call you in a bit" ....... No call no text. I reached out to assistant...... no call no text no email. Come to 3 days before contract is up, $1,200 later, I ask for another update, well I never received one before but you know what i mean, Mr. Chris told me that he wants to talk to me and give me a refresh on my credit score, and discuss next steps, told him great I'm available anytime to just give me a call. Never heard from him again. In summary, did they help my credit score? No. Did they remove anything from my credit report? Yes, 2 things that were $50 each additional cost, so total price : $1,300. Before they take your money Mr. Chris is so talkative and transparent and communicative , after though? No a single word, no communication, out of the work they did, hardly any, hardly any improvement was made but that's why they send a lot of documentation for you to sign so you don't later on try and get your money back for not being satisfied.

    Second Chance Financial

    Second Chance Financial

    (195 reviews)

    would like to take a moment to write an honest, sincere, and genuine review about Second Chance…read moreFinancial. Back in 1998, when I was trying to purchase a house, I needed help repairing and improving my credit. That's when I met an incredible team at Second Chance Financial -- John, Karen, and Wayne. From the very beginning, they treated me with kindness, honesty, professionalism, and genuine care. Thanks to their help and guidance, I was able to buy my home back in 1998. Now, 28 years later, I find myself reaching out to them again for assistance, and to my surprise and gratitude, Karen and Wayne are still there. That alone says so much about the dignity, integrity, and stability of this company. It shows not only how they value their clients, but also how they treat and respect their employees. What always made them different is that they never treated me like "just another client." Over the years, they would occasionally call simply to check on me and see how I was doing. That level of humanity and compassion is very rare today. If anyone needs honest and trustworthy help with their credit, I truly recommend Second Chance Financial. These are good people who genuinely care about helping others rebuild and move forward in life. Thank you, Karen. Thank you, Wayne. And may God bless the memory of John, who is no longer with us. Your kindness and help will never be forgotten.

    I had the BEST experience with Karen Molina! So kind, so patient with me and responded to any of my…read moreconcerns, questions right away!!! Very sweet!!! My credit score went up tremendously thanks to Karen and the Second Chance team!!! Amazing to work with you!!! Highly recommend!

    Fix Your Credit Consulting - financialadvising - Updated July 2026

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