Personal Information
Names, addresses and identity information that may affect how accounts are connected to your file.
Credit Repair, Credit Analysis, and Credit Optimization in Los Angeles, CA
Your Past Financial And Credit MistakesShouldn’t Hold You Back!!
Imagine What It Would Feel Like To Have A
Stronger Credit Profile & Be Credit Approval Ready.
Reporting AccuracyPersonalized StrategyEnglish & Spanish
FEATURED IN
START WITH YOUR GOAL
What Are You Working Toward?
Better credit means more when it’s tied to a real goal. Tell us where you want to go, and we’ll show you what your credit profile may need first.
Buy A Home Or Refinance
Get your credit ready before the lender reviews it, and walk into your next mortgage conversation better prepared.
Buy Or Finance A Car
Know what lenders may see before you walk into the dealership, and prepare your profile before you apply.
Build Credit With An ITIN
Your ITIN can be the starting point for a U.S. credit profile. See what is reported and build from there.
Better Cards. Higher Limit Potential. More Rewards.
Build a stronger profile before your next application, so you’re in a better position for the cards and rewards you want.
Business Credit + Funding Preparation
Prepare your personal and business credit before seeking funding, and learn what lenders may review first.
I Just Want Better Credit
Not sure where to start? Find out what is affecting your profile and what deserves attention first.
NOT SURE WHERE TO START?
Start with a free credit analysis. We’ll show you which parts of your profile deserve attention first.
THE COMPLETE PROFILE
Your Score Is Only Part Of The Story.
The number matters, but lenders see much more than a score. We look at the information behind it to understand what strengthens your profile and what needs attention.
Credit Score
- Payment history
- Credit utilization
- Balances
- Account age
- Account mix
- Recent inquiries
- New accounts
What May Be Holding Your Credit Back?
Late payments, collections, charge-offs, high balances and repossessions can affect more than your score. They may also shape approvals, limits and rates.
Credit repair starts with what is actually being reported. When information may be inaccurate, incomplete, outdated or unverifiable, we address it through the appropriate process.
Accurate, current negative information generally cannot be removed simply because it hurts your credit.
What We Analyze
Charge-Offs
Balances, dates, account status and reporting consistency.
Collections
Ownership, balances, dates and reporting details.
Hard Inquiries
Recent inquiries, dates and known applications.
Late Payments
Payment history, dates and account status.
Student Loans
Payment status, balances and servicing information.
Repossessions
Dates, account status and remaining reported balances.
Medical Bills
Collection reporting and current bureau treatment of medical debt.
Child Support
Reported balances, arrears and payment updates where applicable.
Bankruptcies
Chapter 7, 11 and 13 filing information, dates and related account reporting.
Closed & Transferred Accounts
Account history, transfers, ownership and reported balances.
Other Reporting Issues
Duplicates, mixed files and relevant secondary reporting, such as LexisNexis and Innovis.
Don’t Just Chase A Credit Score!Build A Strong And Optimized Credit Profile.
A score is one snapshot. Lenders also weigh your banking history, the credit you can be compared to, and what your reports show about how you have handled credit over time. That record is what builds trust.
Better credit decisions start with knowing what is actually on your reports.
What A Stronger Profile Usually Includes
- Installment Loans
- Diverse Cards With Higher Limits
- Older Average Account Age
- Low To No Inquiries
- No Negative Information
- No Late Payments
- Personal Information Optimized
THE 700 CREDITO METHOD
A Clearer Path Forward.
Analyze
Understand your reports, credit profile and goal.
Onboard
Choose the right program and know what to expect before work begins.
Correct
Address eligible reporting issues with an individualized strategy.
Build
Strengthen positive credit history and healthier habits.
Optimize
Align your credit profile with the goal you’re working toward.
Prepare
Review progress and next steps before applying. No fixed outcome or completion date.
Approval-Ready means better prepared, not guaranteed approval. Lenders make the final decision.
MORE THAN GENERIC DISPUTES.
Why 700 Credito?
A Strategy Built Around You
Your reports, goals and circumstances shape the approach. No one-size-fits-all template.
Individual Review
Each reporting concern is looked at on its own, with a strategy chosen for that situation.
Beyond The Big Three
When relevant, we also review secondary consumer reporting agencies such as LexisNexis and Innovis.
Clear Progress Updates
See what happened, which responses came back and what happens next.
English + Spanish
Guidance for consumers, homebuyers, entrepreneurs and ITIN holders in the language that works for you.
Education Beyond The Dispute
Understand how payments, balances and account choices affect your profile beyond the dispute process.
Clarity Before Commitment.
Your first conversation is about your reports, your goals and whether our program makes sense for you. Expect realistic expectations, plain answers and a straight explanation of what happens next.
CLIENT FEEDBACK
Hear It From Our Clients.
Read client feedback directly on the original platforms. Individual experiences and results vary.
OUR COMMITMENT TO YOU
120-Day Money-Back Guarantee
If no negative items are removed within 120 days, our money-back guarantee applies, subject to the eligibility requirements and terms of your agreement.
START WITH CLARITY.
Know Where You Stand Before You Decide What To Do Next.
Your free credit analysis shows what may need attention, which options may fit your goals and what a realistic first step looks like.
- Understand your credit profile
- Identify what deserves attention
- Leave with a clearer next step
ABOUT 700 CREDITO · OUR STORY
OUR STORYWe’ve Been In Your Shoes. That’s Why We Built Something Different.
Credit problems can make old decisions feel like they still control what comes next. We know what it is like to need help, trust the wrong people and still be left without answers.
That experience pushed us to learn the credit system and build a different kind of service, centered on education, communication and a strategy people can actually follow.
700CreditScores.com DBA 700 Credito is where our work began. 700 Credito brings that experience to Los Angeles with a name and approach built for the community we serve.
Our goal is bigger than chasing a number. We want you to understand your credit, strengthen your profile and make your next financial move with confidence.
Los Angeles · City view. Photo by Venti Views / Unsplash
FREQUENTLY ASKED QUESTIONS
Good Questions. Straight Answers.
It’s a detailed review of your credit reports to identify inaccurate, incomplete, outdated or unverifiable reporting and understand what may be affecting your profile. This detailed approach is sometimes called a forensic credit analysis.
We start with a credit review, complete enrollment, develop a strategy for your profile, and review updates and bureau responses with you. Any reporting concerns are addressed based on your individual circumstances.
Timing depends on your credit profile, the issues involved and responses from the credit bureaus or information providers. There is no guaranteed completion date or result.
No. Scores and results vary by individual. We do not guarantee a score increase, financing approval or a specific outcome.
Accurate, current negative information generally cannot be removed simply because it is unfavorable. Our focus is inaccurate, incomplete, outdated or unverifiable reporting, subject to applicable law.
Yes. We offer ITIN credit repair, credit analysis, education and credit-building guidance. An ITIN does not automatically qualify you for credit or financing.
Yes. We offer support in English and Spanish. Select your preferred language above and request a consultation in that language.
We help review credit reports and reporting concerns before mortgage applications or refinancing. Lenders determine qualification, rates and terms; we do not guarantee approval.
BEFORE YOUR ANALYSIS
Your Credit Report. A Deeper Analysis.
Create a SmartCredit account so our team can perform an in-depth forensic credit analysis of your accounts, balances and reporting details, not just your score.
SmartCredit access is required for our standard full-report analysis.
700 Credito may receive compensation if you sign up for SmartCredit through our link. SmartCredit and 700 Credito are separate companies.
YOUR NEXT MOVE STARTS HERE
Your Past Doesn’t Have To Decide What Comes Next.
Start with a free credit analysis and get a clear picture of where you stand, what may need attention and where to begin.
REQUEST MY FREE CREDIT ANALYSIS
No pressure. Clear information. A plan built around your goals.