Take Control of Your Credit.
Build Your Financial Future.

Professional credit repair services that help you understand, improve, and protect your credit—backed by real experts and transparent processes.

Licensed & Compliant
$99/Month, No Hidden Fees
15+ Years Experience
Get Started Now View Pricing
No Setup Fees
Cancel Anytime
90-Day Guarantee
Professional working on credit repair with charts showing score improvement
15000

Happy Clients

50000

Items Removed

100

Avg. Point Increase*

15

Years Experience

Our Credit Repair Services

Everything you need to improve your credit, all in one place.

Trusted by thousands nationwide

Better Business Bureau Accredited Google Verified Business Yelp Reviewed Business
Credit investigation process showing analysis and dispute workflow

Credit Report Analysis & Dispute

We review your credit reports from all three bureaus and identify items that may be inaccurate, outdated, or unverifiable—then we challenge them on your behalf.

  • Full 3-bureau credit report pull
  • Line-by-line accuracy review
  • Professional dispute letters
  • Direct communication with bureaus

Credit Monitoring & Score Tracking

Stay informed with real-time updates to your credit reports and scores. Track your progress as we work, and see exactly what's changing and when.

  • 24/7 online dashboard access
  • Real-time credit alerts
  • Monthly score updates
  • Progress tracking tools

Personalized Action Plans

Every credit situation is unique. We create a customized strategy based on your goals—whether you're buying a home, financing a car, or rebuilding from financial hardship.

  • One-on-one credit consultation
  • Goal-based repair strategy
  • Timeline and milestone planning
  • Ongoing expert guidance

Financial Education & Support

Credit repair is just the beginning. We provide the knowledge and tools you need to maintain healthy credit long after our work is done.

  • Credit-building resources
  • Debt management guidance
  • Financial wellness tips
  • Ongoing educational content
OUR PROCESS

Transform Your Credit in 4 Simple Steps

Our proven methodology has helped thousands improve their credit scores. Here's exactly how we do it.

01

Free Consultation Call

Connect with our credit experts for a no-obligation 15-minute consultation. We'll discuss your situation and create a custom plan.

  • No credit card required
  • Expert guidance
  • Quick & easy
02

Deep Credit Analysis

We pull your credit reports from all three bureaus and conduct a thorough analysis of every item affecting your score.

  • All 3 bureaus
  • Dispute roadmap
  • Priority ranking
03

Strategic Disputes Filed

We file compliant dispute letters to challenge inaccuracies directly with credit bureaus and creditors on your behalf.

  • Legally compliant
  • Ongoing disputes
  • Full follow-up
04

Monitor & Celebrate

Track your progress in our secure client portal and watch your credit score improve month after month with real results.

  • Monthly updates
  • Score tracking
  • Results proof
100

Average Points Improvement

90

Typical Timeline for Results

100

Money-Back Guarantee

Simple, Transparent Pricing

Choose the plan that fits your credit repair needs. All plans include our 90-day money-back guarantee.

Plan A

Negative Items

$99 / month
  • Personalized Credit Repair Plan
  • Challenges to 3 Credit Bureaus
  • Creditor Intervention Letters
  • Score Tracking
  • Challenge Hard Inquiries
  • Email & Phone Support
  • Online Customer Portal
  • 90-Day Money-Back Guarantee
  • Cancel Anytime
Choose Plan A
Most Popular

Plan B

Negative Items + Inquiries

$159 / month
  • Personalized Credit Repair Plan
  • Challenges to 3 Credit Bureaus
  • Creditor Intervention Letters
  • Score Tracking
  • Challenge Hard Inquiries
  • Email & Phone Support
  • Online Customer Portal
  • 90-Day Money-Back Guarantee
  • Cancel Anytime
Choose Plan B

Plan C

Premium Service

$199 / month
  • Personalized Credit Repair Plan
  • Challenges to 3 Credit Bureaus
  • Creditor Intervention Letters
  • Score Tracking
  • Challenge Hard Inquiries
  • Email & Phone Support
  • Online Customer Portal
  • 90-Day Money-Back Guarantee
  • Cancel Anytime
Choose Plan C

90-Day Money-Back Guarantee

We're confident in our service. If you're not satisfied within the first 90 days, we'll refund your money—no questions asked.

TESTIMONIALS

Real People, Real Results

Here's what our clients are saying about their experience

"I was nervous about using a credit repair company, but Credit Monkey made everything so clear and easy. They explained every step, answered all my questions, and actually got several items removed from my reports."

Jennifer K.

Phoenix, AZ

"After my divorce, my credit was a mess. Credit Monkey helped me understand what was actually hurting my score and worked with the bureaus on my behalf. Within a few months, I saw real improvement."

Marcus T.

Atlanta, GA

"I'd tried fixing my credit on my own for over a year and got nowhere. Credit Monkey knew exactly what to do and handled everything for me. I love being able to log in and see the progress anytime."

Sarah M.

Denver, CO

Frequently Asked Questions

Get answers to common questions about our credit repair services

Most clients see initial results within 45-60 days. However, the timeline varies based on your unique credit situation. Complex cases with multiple negative items may take 3-6 months for optimal results.

Plan A includes personalized credit repair, challenges to all 3 credit bureaus, creditor intervention letters, score tracking, hard inquiry disputes, email & phone support, online portal access, 90-day money-back guarantee, and the ability to cancel anytime.

Yes, you have the legal right to dispute items yourself. However, our team has 15+ years of experience, knows exactly what language to use, which laws to cite, and how to navigate the complex dispute process efficiently.

We offer a 90-day money-back guarantee. If you're not satisfied with our service within the first 90 days, we'll refund your money—no questions asked. Plus, you can cancel anytime with no penalties.

Credit Monkey can challenge collections, charge-offs, late payments, repossessions, medical debt, unauthorized hard inquiries, identity theft accounts, duplicate entries, and mixed-file errors — any item that is inaccurate, outdated, incomplete, or unverifiable under the Fair Credit Reporting Act (FCRA).

Yes. Credit Monkey serves California consumers across all 58 counties, with dedicated local service pages for Los Angeles, San Diego, Sacramento, San Francisco, Fresno, Oakland, San Jose, Long Beach, Anaheim, and Riverside. Our services are remote and fully digital — no office visit required.

Credit Monkey plans start at $99/month with no setup fees, no hidden charges, and no long-term contracts. Plan B is $159/month and Plan C (premium) is $199/month. All plans include a 90-day money-back guarantee and the ability to cancel at any time. View full pricing details.

Credit Monkey offers comparable dispute services to national brands like Lexington Law and Credit Saint, but at more competitive pricing ($99–$199/month vs. higher rates from competitors), with no forced upsells and transparent month-to-month billing. See our detailed comparison with Lexington Law or compare us to Credit Saint.
CALIFORNIA CREDIT REPAIR

Trusted Credit Repair Across California

Credit Monkey serves consumers in all 58 California counties — from Los Angeles to Sacramento — with fully remote, CROA-compliant credit repair services.

Credit Repair Los Angeles

Serving LA County including Hollywood, Glendale, Pasadena, Santa Monica, and the San Fernando Valley. Common issues: medical collections, auto-loan denials, identity theft.

Learn more

Credit Repair San Diego

Serving San Diego County including Chula Vista, El Cajon, and Escondido. Common issues: military credit errors, rental denials, charge-offs, and student loan reporting.

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Credit Repair San Francisco

Serving SF, Oakland, San Jose, and the Bay Area. High cost-of-living means credit health directly impacts housing access, tech employment screenings, and refinancing.

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Credit Repair Sacramento

Serving Sacramento County and surrounding areas. State government employees, real estate buyers, and small business owners all benefit from a clean credit report.

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Credit Repair Fresno

Serving Fresno and the Central Valley. Agricultural and seasonal work income patterns often create credit report complexities that our experts understand and address.

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All California Locations

View our full California credit repair coverage including Anaheim, Oakland, Long Beach, Riverside, and more.

View all CA cities

Why California Consumers Choose Credit Monkey

California has some of the most complex credit challenges in the country — high housing costs, medical debt from the state's large uninsured population, entertainment-industry income volatility, and one of the highest rates of identity theft. Credit Monkey's team understands California's specific credit landscape, from CCPA consumer protections to CalCivil Code dispute rights.

FCRA & CROA compliant process
California Consumer Privacy Act (CCPA) aware
All 3 bureaus: Equifax, Experian, TransUnion
100% remote — no office visit needed
California Credit Repair Free Consultation

Ready to Take Control of Your Credit?

Choose your plan and start your credit repair journey today. 90-day money-back guarantee included.

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Fill out the form and our credit experts will contact you within 24 hours.

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