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We Are Your Partner in Credit Repair

At Rep My Credit, we understand how stressful it can be to live with a below-average credit score. That's why we're here to help you take back control of your financial future.

Whether you're still paying for past mistakes or you've faced unforeseen hardships, you shouldn't have to carry the burden of negative items on your report forever.

We're with you every step of the way—from reviewing your report to sending disputes on your behalf and tracking your results until you reach your goals.

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See your real credit score in 60 seconds

100+

Clients Helped

95%

Success Rate

Credit score improvement chart showing before and after results of Rep My Credit services in Orange County
Michael Portillo - Professional Credit Repair Expert and Founder of Rep My Credit in Orange County, California

Meet Michael Portillo

My name is Michael Portillo, and I'm from Orange County, California. I've spent the past few years learning how credit really works, how it's calculated, what impacts your score, and how to turn it into a tool instead of a burden.

My first client in credit repair was myself. In my early 20s, I had a credit score in the 500s and decided to learn everything I could about rebuilding it. Through research and persistence, I discovered errors on my own report that were hurting my score and learned how to fix them the right way.

That's when I realized something bigger. Over 34 percent of people in the US have credit report errors that limit their financial opportunities. Since then, I've helped friends, family, and clients rebuild their credit and regain their confidence.

What drives me is knowing that better credit means more freedom—the freedom to buy a home, get approved for a car, start a business, or simply feel confident again.

34%

of people in the US have credit report errors that limit their financial opportunities

Understanding Your Credit Score and Its Impact

A credit score is a number that represents your financial trustworthiness. Most lenders use your credit score, which ranges from 300 to 850. The higher your score, the lower the risk you appear to lenders, meaning better approval odds and lower interest rates.

Your credit score is influenced by several key factors. The most important is your payment history, which makes up 35 percent of your score and reflects whether you pay bills on time.

Credit utilization, or how much of your available credit you use, accounts for 30 percent. The length of your credit history contributes 15 percent, with longer histories showing more stability. New credit inquiries make up 10 percent and can temporarily lower your score.

The remaining 10 percent comes from your credit mix, which includes the variety of credit types you use, such as credit cards, loans, or lines of credit.

752

Good Credit

Payment History 35%
Credit Utilization 30%
Credit History Length 15%
New Credit 10%
Credit Mix 10%

The Importance of Good Credit

Credit plays a major role in your financial life. Good credit can open doors to better loan terms, lower interest rates, higher credit limits, and even improved job and housing opportunities. It provides peace of mind and the freedom to make choices without financial stress.

On the other hand, poor credit can lead to loan or apartment denials, higher deposits, and limited access to affordable financing options, often creating unnecessary stress and financial pressure.

Better Housing

More opportunities

Lower Interest Rates

Save thousands

Higher Credit Limits

More flexibility

Financial Freedom

Peace of mind

How Long to See Results?

Credit line balances are reported to the bureaus once a month. Similarly your credit scores are also updated once a month for each account, therefore it can take 1-2 months to start seeing improvements.

It is important to understand that improving your credit scores takes time, as well as a commitment to change your repeat spending habits to get you the best results.

This will be one of the most rewarding financial decisions you will make.
The sooner you start, the sooner we can get you results!

The Law is on Your Side

Nearly 80% of all credit reports have errors that can lower your scores – but you have legal rights and know how to use them to benefit you!

The law gives the right to dispute any item on your credit report. If those items can't be verified, they have to be removed. We will write several letters to the bureaus and if they can't prove it, they have no choice but to remove it.

We Will Fight for YOU!

Legal Rights

Your right to accurate credit reporting is protected by federal law

Expert Team

Experienced professionals dedicated to your credit success

Proven Results

Track record of successfully removing inaccurate items

How We Help You Improve Credit

Our proven three-step process ensures comprehensive credit repair and long-term financial success

Credit Report Analysis

Identify inaccuracies and errors

  • Comprehensive report review
  • Error identification
  • Personalized action plan

Dispute Process

Challenge negative items effectively

  • Professional dispute letters
  • Direct creditor communication
  • Follow-up management

Ongoing Credit Education

Build long-term credit health

  • Credit management tips
  • Monthly progress tracking
  • Ongoing support & guidance

Start Your Credit Repair Journey

Fill out the form below and we'll contact you within 24 hours to discuss your credit repair options.

Ready to Fight Back?

Take the first step towards better credit today. Our expert team is ready to help you reclaim your financial freedom.

Click to begin your credit repair journey

Get Started Today

Take the first step towards financial freedom. Our team is ready to help you rebuild your credit and regain your confidence.

Call Us

949-616-9747

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