Credit Repair Services | Premium Capital California
Premier Credit Repair Experts

Understand your score.
Then let us fix it.

We specialize in disputing inaccurate collections, charge-offs, late payments and unverifiable items on your credit report. Individual results vary based on your unique credit situation.

Get Free Consultation → See How It Works
Our Track Record
13+
Years Experience
15k+
Reports Reviewed
90-Day
Guarantee
4.9★
Client Rating
13+
Years Experience
15,200+
Reports Reviewed
98%
Client Satisfaction
90-Day
Money Back Guarantee
Who We Work With

Bureaus, Banks & Furnishers We Challenge

We dispute directly with all three credit bureaus and the original furnishers — including the banks and collectors below.

TransUnion
Experian
Equifax
Chase
Wells Fargo
Bank of America
Capital One
Portfolio Recovery
Midland Credit Mgmt
USAA
Navy Federal
CFPB
Navy Federal CU
TransUnion
Experian
Equifax
Chase
Wells Fargo
Bank of America
Capital One
Portfolio Recovery
Midland Credit Mgmt
USAA
Navy Federal
CFPB
Navy Federal CU
Understand Your Score

What's Really Hurting Your Credit Score?

Your credit score is calculated from 5 key factors. Negative items in any of these categories can significantly drag down your score. We identify exactly what's hurting you and build a personalized strategy to fix it.

Get Your Free Credit Analysis →
35%
Payment History
Late payments, collections, and charge-offs — the single biggest factor
30%
Credit Utilization
How much of your available credit limit you're currently using
15%
Length of History
Age of your oldest and newest accounts — older is always better
10%
New Credit
Recent hard inquiries and new account openings affect your score
10%
Credit Mix
Blend of credit cards, loans, and other account types you carry
Survivor Guide

How Long Do Negative Items Stay on Your Report?

Person reviewing credit report documents
⏱ Bankruptcy stays the longest — 7 to 10 years on your report
Unpaid debts sold to collection agencies remain for 7 years from the original delinquency date. Even paid collections can hurt your score — we challenge accuracy and verifiability, not just balance status.
A single 30-day late payment can weigh on your score and stays on your report for up to 7 years. We push furnishers to verify every data field under Metro 2 standards.
When a lender writes off your debt as a loss it stays for 7 years. Paying it off doesn't remove it — just changes the status. We check the tradeline for inaccurate or unverifiable reporting and challenge what doesn't hold up.
Vehicle or property repossessions stay for 7 years from the first missed payment. The repo and any resulting deficiency balance both report separately — and both are challengeable.
Chapter 7 stays for 10 years. Chapter 13 stays for 7 years from the filing date. Individual accounts included in the bankruptcy are separately and independently disputable.
Each hard credit pull from a loan or card application stays for 2 years. Unauthorized or improperly obtained inquiries are disputable — we include them in every round at no extra charge.

Not sure what's on your report? Let's find out.

Get a free, no-obligation credit consultation. We'll review your report, identify inaccurate or unverifiable items, and walk you through your options — no charge, no commitment.

Get Your Free Analysis Now →
Simple Process

3 Steps to Managing Your Credit

A clear, documented process. We do the work, and you can see every step in your portal.

01
Choose Your Plan
Select from Gold, Platinum, or Black Badge options. No setup fees, no contracts. Plans start at $109/audit. Cancel anytime.
02
We Challenge What Doesn't Hold Up
We review your reports line by line and challenge items that are inaccurate or unverifiable with all three bureaus and the original furnishers, every round.
03
Track Your Progress
Follow every letter and every update 24/7 in your personal client portal. Full transparency from day one.
Why Clients Choose Us

Credit Management You Can Follow

Premium Capital California has spent 13+ years helping clients manage and restore their credit, with 15,200+ reports reviewed. Individual results vary.

Individual results vary. Premium Capital California does not guarantee any specific score change or item removal.

13+ years in credit management
4.9 star client rating
98% client satisfaction
15,200+ reports reviewed

These are unedited reviews from our Google Business Profile. Each one describes one client’s experience, not a typical result. Credit bureaus and creditors decide what stays on a report, so Premium Capital California doesn’t promise any score, removal or timeline.

Transparent Pricing

Choose Your Plan. Zero Risk.

No hidden fees. No upfront charges. Select the plan that fits your credit repair goals — cancel anytime.

□ Gold
Collections & charge-offs only
$109
audit fee
then $79 / month
Targeted disputes for collections & charge-offs
Direct coordination with all 3 bureaus & furnishers
Debt validation requests where applicable
Free inquiry deletions included
Free personal info corrections
24/7 secure client portal access
Cancel anytime — no contracts
Get started Speak to us
Most Popular
□ Platinum
Unlimited deletions & disputes
$139
audit fee
then $139 / month
Lifetime credit services after 12 payments
Unlimited deletions and disputes
Household add-ons: Applied discounts for family members (spouse/children)
Debt validation requests where applicable
Free inquiry deletions included
Free personal info corrections
24/7 secure client portal access
Cancel anytime — no contracts
Get started Speak to us
□ Black Badge
1-year audit fee + pay-per-deletion
$349
audit fee
pay-per-deletion thereafter
Comprehensive 3-bureau audit
Disputes across eligible negative items
Only pay for verified deletions
Debt validation requests where applicable
Pay-Per-Deletion Rates
Collections & Charge-offs$50
Repossessions & Late Payments$75
Judgments, Bankruptcies, Foreclosures & Child Support$100
InquiriesFree
Personal information correctionsFree
Get started Speak to us

All packages include free deletions of inquiries and personal info corrections. Third-party credit monitoring $24.97/mo required to perform the work — not included in plan price.

Our Commitment

The Premium Capital Guarantee

90 Days
Money Back Guarantee
No removals in 90 days? 100% of your monthly payments back. No questions asked.
$0 Upfront
No Upfront Fees Ever
$0 upfront on Gold and Platinum. We never charge before services are performed, as CROA requires.
All 3
Bureaus Every Round
Experian, Equifax, and TransUnion — simultaneously, every single dispute round.
24/7
Online Portal Access
Every letter sent, every item challenged — visible in your portal in real time. No black boxes.
Learn More About Our Guarantee →

Ready to Take Control of Your Credit?

Premium Capital California is a credit management company with 13+ years of experience and a 4.9 star rating. It starts with one free call.

Get Your Free Consultation → □ (805) 800-8091
Legal Disclaimer: Premium Capital California is a credit repair organization as defined under federal and state law, including the Credit Repair Organizations Act (CROA). We do not provide legal advice. Individual results will vary. We cannot guarantee the removal of any specific item from your credit report. We only dispute items that are inaccurate, unverifiable, or reported in violation of applicable law. You have the right to dispute inaccurate information directly with the credit bureaus at no charge. Negative but accurate information cannot be removed from your credit report. Third-party credit monitoring at $24.97/mo is required and billed separately. © 2026 Premium Capital California. All rights reserved.  |  Privacy Policy  |  Terms & Conditions

What is Included In the service

Fixing your credit is our goal. We will work hard to correct, update or dispute the following inaccurate, misleading and unverifiable items listed below:

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