Credit repair and restoration in Glendale, California
Personalized credit building that delivers real results.
Higher scores, more approvals, better opportunities.
- Strategic Plans
- Proven Results
- Ongoing Support
Before
300
Poor
After
300
Excellent
An example of the kind of progress we work toward. Every credit file is different, and your own results will depend on yours.
More Than a Score.
A Better Life.
Higher Approvals
Get approved for credit, loans, and better interest rates.
Lower Interest Rates
Save thousands with lower rates on loans and credit.
Financial Freedom
Unlock opportunities to build wealth and security.
Expert Guidance
Access to credit experts who guide you every step.
Ongoing Support
We are with you long-term to help you keep growing.
What moves a score
A score is five things.
Not one.
Every credit score is built from the same five weighted parts. Knowing which one is holding you back is the whole difference between guessing and having a plan.
Highest impact
Payment History
The single biggest factor. Whether you have paid past accounts on time, across both credit cards and installment loans. One late payment can stay on a report for seven years.
Fastest to change
Amounts Owed
How much of your available credit you are actually using. Keeping utilization under 30 percent is the widely recommended target, and lowering it is often the fastest lever you control directly.
Builds with time
Length of History
How long your accounts have been open. This is why closing an old card can backfire: it shortens your average account age and can cost you points.
Easy to protect
New Credit
How many accounts you have opened recently. Several applications in a short window signals risk, though rate-shopping for one loan inside a few weeks usually counts as a single inquiry.
Long-term shaping
Credit Mix
The variety of credit you manage: revolving cards alongside installment loans. Lenders like to see you handle more than one kind responsibly.
Two of these are worth 65% of your score.
Payment history and amounts owed outweigh everything else combined. That is where the work starts, and where the first movement usually shows up.
We work with all three major credit bureaus.
Proud partner of
Secure & Transparent
Your data is safe with bank-level security and total transparency.
Clear, Documented Work
You see every item we challenge and every response we receive.
Results That Last
We build credit the right way, so improvements hold.
“Hired this company to repair my credit via good word of mouth and they did just that super fast. They pretty much got over 30k worth of debit deleted off my credit in under 30 days. Great customer service, always answers texts/calls with any questions.”
“Got a collection report from a company, the very next day called Sam, and within two weeks the collection report was removed and my credit score jumped up 70 pts. Easy no hassle, Sam took care of it all! Highly recommend!”
“I honestly didn't think my credit could be fixed. This office and their staff made it very easy for me. They handled all the paperwork etc. fast forward to 6 months later, I noticed my credit score had improved tremendously. One happy customer!”
“Although sam and i decided i do not need his services, he was a pleasure to work with. He is very professional and knowledgeable. He gave me great advice on how to move forward. He could have easily lied to me and taken money to do the things he advised me to do but was honest.”
“I was a victim of identity theft and Sam helped me step by step on what to do to get it taken care of. Identity Theft is not an over night fix, but thanks to Sam and his team who stayed on top of my case and it came off of my credit! I could not have done this without their professional expertise!”
“What can I say about Sam? He was able to fix my credit and honestly I didn't think my credit could be fixed. This office and their staff made it very easy for me. They handled all the paperwork and communication skills are fantastic. I really recommend We Build Credit.”
“So many credit cards broker out there who promise to get things done but never promise it. Sam actually takes his time and gets things done as he promises the first day! He gives the right pricing for everything you need to get done. If you guys are looking for a trustworthy businessman Sam is your guy.”
“I was explaining to a friend that my credit was a mess and I had lost all hope. He then referred me to Sam at We Build Credit. My parents had 20 negatives combined and in just a couple months We Build Credit erased them all. Not only were they friendly and courteous, they were extremely professional and persistent.”
“We Build Credit came highly recommended from a close friend of mine, so I reached out and connected with Sam who is very knowledgeable and a straight shooter! I honestly am still in shock how amazing and quick Sam was able to get my credit in an amazing place! He has exceeded my expectations.”
Reviews are our clients’ own words, published on Yelp. Every credit file is different, and your own results will depend on yours.
The credit library.
Everything we walk clients through, written out in full. Start anywhere.
Most FICO scores range from 300 to 850. FICO defines these bands: below 580 is poor, 580 to 669 is fair, 670 to 739 is good, 740 to 799 is very good, and 800 or more is exceptional. Each lender sets its own criteria. Your score alone does not determine approval.
The five components
- Payment history, 35 percent. Whether past accounts were paid on time, across both revolving credit like cards and installment credit like auto loans and mortgages.
- Amounts owed, 30 percent. Your total balances relative to the credit available to you.
- Length of credit history, 15 percent. How long your accounts have been open.
- New credit, 10 percent. How many accounts you have opened recently. Multiple inquiries within a short window, typically a few weeks, usually count as a single inquiry when you are shopping one loan.
- Credit mix, 10 percent. The blend of loans, credit cards, retail accounts and finance company accounts you manage.
The practical takeaway is that payment history and amounts owed together account for 65 percent of the score. If you only have attention for two things, those are the two.
Want to go through any of this against your own report?
Let’s Build Your
Stronger Tomorrow.
Start with a free consultation and get your personalized credit building plan today.