Your Credit Mistakes Shouldn't Define Your Future...
Start Your Journey To Better Credit Today.
Results Or You Don't Pay!
Schedule a FREE Review of Your Credit Report &
Learn How We Can Help You Improve Your Scores — And Put Money Back In Your Pocket
Risk-Free Credit Repair Services
There is no risk of paying for services that do not work. Only pay AFTER results!
- Personal Account Manager
- Access to FCRA Credit Attorneys
- Complimentary Credit Education & Restoration
- Debt Elimination Strategy
- Business Funding Pathway
- Financial Wealth Guide
- Credit Building Resources
- Monthly 3 Bureau + Score Updates
- Daily Credit Monitoring
- Email Credit Monitoring Alerts
- Credit Score Tracker
- Credit Score Builder Planner
- Credit Score Simulator
- Identity Theft Protection
- $1 Million in Fraud Insurance
- Complimentary Credit Consultation
See Results In As Little As 30 Days
When an Item May Be a Legal Matter
Some credit reporting problems may be legal matters. Where that applies, Premium Capital California can refer you to an attorney partner, who alone decides whether to take your case. We do not give legal advice, and no referral or legal outcome is guaranteed.
Remove Derogatory Items Holding Back Your Scores
Using consumer protection laws, we challenge inaccurate, outdated, or unverifiable negative items with the bureaus and furnishers. That is the first of our Three Pillars.
We Do Everything We Can To Get You Fast Results
With our results-first pricing, you have professionals driven to get the best outcome as quickly as possible. You only pay after we deliver.
Professional Credit Audit and Analysis Report
Get a full analysis of your entire credit report plus a personalized action plan — split into a dispute track and a legal track — so every item is handled the right way.
Personalized Strategy To Improve Your Credit
Your credit is unique to you. We build a custom plan addressing every negative item — from late payments and collections to potential FCRA violations.
Get Unlimited Personalized Credit Bureau Disputes
We write and send personalized disputes to challenge every error across all three bureaus. You don't write a single letter.
Once Your Credit Is Clean — We Get You Funded
When your profile is ready we connect you to business funding. Use your improved credit to access real capital, pay down remaining debt, and grow your business.
The Absolute Best Customer Care Around
We keep you updated every step of the way — email notifications, online portal access, and direct phone support with your personal account manager.
How Credit Repair Works
Just like traffic laws, the banks, credit bureaus, and creditors have laws they are required to follow. Most of the time they don't. The Burden of Proof is on them — not you. Our job is to find exactly where they're violating the law and use it to remove negative accounts from your credit report.
Audit
We review every item on your report with a full credit analysis and build your action plan. Items are split into two tracks: disputes we handle and FCRA violations we escalate to our legal partners.
Challenge
Using consumer protection laws, we send factual, accurate disputes on items that are inaccurate, outdated or unverifiable.
Repeat & Escalate
If items come back "verified" we escalate — pulling in the creditors directly and continuing until results are achieved. We don't stop until your file is clean.
Get Funded
Once your credit is repaired, we connect you to business funding. Use capital strategically — pay down remaining debt and fuel your business growth.
Book Your Free Credit Analysis
Pick a time that works for you — we'll review your full report and build your game plan on the call.