Frequently Asked Questions

It all starts with a credit assessment, which you can get by visiting our contact page or calling us at (714) 941-6656. We're different from our competition in that every one of our clients receives individual attention from Pacific West Credit LLC. We formulate a customized plan of action based on your specific needs. No two clients are alike!

You are given the right under the Fair Credit Reporting Act (FCRA), including the right to challenge inaccurate, misleading and obsolete items appearing on your credit report. Pacific West Credit LLC uses every venue available to you under the law to help you assert these rights. We challenge damaging and questionable credit entries on behalf of our clients using proven and absolutely legal methods.

Although everyone's credit history is different, most people will see progress within the first 20-45 days of their membership. The majority of time is spent waiting for the credit bureaus to respond to requests. We take great effort in getting our disputes to the bureaus as fast as possible.

Yes. We know from experience that due to our one-on-one personal approach, our clients experience tremendous results. The ranges of success are as endless and unique as our clients. We partner with our clients, giving them every advantage they can have in the credit world. Achieving results requires that we work in partnership. Negative credit listings are deleted from people's credit reports each and every day!

Our Premium Credit Repair Plan is $119/month and includes everything you need: three-bureau reports and scores, credit bureau dispute services, creditor interventions, monthly inquiry disputes, debt validation letters, cease and desist letters, personal info correction, score tracker and builder tool, 24/7 client portal access, one-on-one consultations, and 45-day credit updates. The cost of credit repair is small compared to the cost of bad credit.

A credit score is a numerical ranking system that lenders use to determine how much of a credit risk you are. It's a numeric indication of how likely you are to repay debts such as loans or lines of credit. Credit scores also are designed to indicate your creditworthiness in comparison with other consumers. Credit scores are based on the data in your credit report and are generated by computers using artificial intelligence.

This happens occasionally either by accident or a creditor has eventually verified a particular item. This is what is known as a 'soft delete'. The FCRA (Fair Credit Reporting Act) has made it much more difficult for a creditor to replace an item once it has been removed. Pacific West Credit LLC will re-challenge the item with the full force of the prior removal in our favor.

It is not unusual to not be able to get an unsecured credit card with damaged credit. The accounts you may be approved for will typically have higher rates, low credit limits, and have higher than normal penalties and fees for things like late payments. Improving your credit score through our program will help you qualify for better credit products.

Yes! We are registered with the Department of Justice, licensed, and bonded. Unlike many credit repair companies, we operate completely legally and ethically. All our methods comply with the Fair Credit Reporting Act (FCRA) and other federal laws. We have been serving Orange County families since 2014 with complete transparency and legal compliance.

We're different from our competition in that every one of our clients receives individual attention from Pacific West Credit LLC. As a family-owned Orange County business, we provide personalized service that larger companies can't match. With Dean's expertise in the FICO® model and Kathryn's 30+ years in real estate, we understand exactly how credit impacts your ability to achieve homeownership and financial goals.

Credit repair is something you can do yourself, or you can hire a company to do it for you. If we feel that we can't help you in any way, we will let you know up front! However, most people find the process time-consuming and complex. Our expertise and experience allow us to navigate the system more effectively and achieve better results faster.

According to studies conducted by PIRG, 79% of reports contain errors. According to a recent study by the FTC, over 40 million Americans have mistakes on their reports! Mistakes cost people money, and we are here to help! These errors can range from simple inaccuracies to more serious issues that significantly impact your credit score.

Did you know that paying on older collections outside the statute of limitations renews the statute making the item collectible again? This is just one of the top ten mistakes consumers make when rebuilding their credit. Contact us to learn about all the common pitfalls and how to avoid them. Our education-focused approach helps you understand credit so you can maintain good scores long-term.

At Pacific West Credit LLC, we believe in full transparency and want you to monitor your progress while in our program. Many companies keep you in the dark while you're guessing your progress. We provide regular updates, 24/7 client portal access, and you can track your progress and stay up to date with your credit through email and text message updates.

While our main office is based in Orange, California, and we proudly serve surrounding cities including Santa Ana, Anaheim, Tustin, Garden Grove, Fullerton, and Irvine, we also work with clients throughout California and beyond. We offer in-person consultations for Orange County residents and phone/online consultations for clients outside our immediate area.