We Help Real People
Rebuild Real Credit
GO Repair Credit is an FCRA-certified credit repair organization based in Chino, California. Since 2012, we have helped over 3,000 clients across the Inland Empire and Southern California remove inaccurate negative items, rebuild their credit scores, and achieve their financial goals.
3,000+
Clients Helped
15,000+
Negative Items Removed
12+
Years of Experience
4.9★
Average Client Rating
$2.4M+
Client Savings in Interest
94%
Dispute Success Rate
47 pts
Avg. Score Gain in 60 Days
100%
FCRA-Compliant Process
Born from personal experience with bad credit
GO Repair Credit was founded in 2012 by Gabriel Ortega, who had personally experienced the devastating impact of a low credit score — denied for an apartment, rejected for a car loan, and paying sky-high interest rates on everything.
After spending two years learning the FCRA, disputing his own credit report, and rebuilding his score from 520 to 780, Gabriel realized that most people had no idea these rights existed — or how to use them. He founded GO Repair Credit to change that.
Today, our team of FCRA-certified advisors serves clients across Chino, Ontario, Pomona, Rancho Cucamonga, Fontana, San Bernardino, Riverside, Los Angeles, and all of California — helping them dispute inaccuracies, remove collections, and build the credit scores they deserve.
520 → 780
Founder's personal credit journey
Our Core Values
100% Legal & FCRA-Compliant
Every dispute we file is grounded in federal law. We never use illegal tactics, fabricated disputes, or file fraud claims. Our process is built on the FCRA and CROA.
Full Transparency
We tell you exactly what is on your report, what is disputable, and what realistic outcomes look like — before you pay anything. No surprises, no hidden fees.
Client-First Approach
We measure our success by your results. Our team is available to answer questions, explain every step, and advocate for you throughout the entire process.
Education-Driven
We do not just fix your credit — we teach you how to maintain it. Every client leaves with the knowledge to protect and grow their score for life.
Meet Our Team
Every member of our team is FCRA-certified and has personal experience with credit challenges — which is why we approach every client's situation with genuine empathy and expertise.
Gabriel Ortega
Founder & Lead Credit Advisor
12+ years in credit repair
Gabriel founded GO Repair Credit after personally experiencing the impact of bad credit and rebuilding his own score from 520 to 780. He is FCRA-certified and has helped over 3,000 clients across California restore their financial health.
Maria Santos
Senior Dispute Specialist
8+ years in FCRA disputes
Maria specializes in complex dispute cases — collections, charge-offs, and identity theft recovery. She has successfully removed over 15,000 negative items from client credit reports since joining the team in 2016.
James Rivera
Credit Building Coach
6+ years in financial coaching
James guides clients through the credit-building phase — secured cards, credit builder loans, authorized user strategies, and utilization management. His clients average a 67-point gain in their first 90 days.
How We Get Results
Our process is built on 12 years of experience, federal law, and a systematic approach that has been refined across 3,000+ client cases.
Deep Report Analysis
We pull all three credit reports and analyze every account, balance, date, and status against FCRA standards. We identify every disputable item — not just the obvious ones.
FCRA-Compliant Disputes
Every dispute letter we file is tailored to the specific item and the strongest legal argument for removal. We cite the exact FCRA sections that apply to each case.
Aggressive Follow-Up
We track every open dispute and escalate with CFPB complaints when bureaus do not cooperate. We do not accept 'verified' results without demanding the method of verification.
Credit Building Strategy
While disputes are in progress, we guide you on reducing utilization, adding positive accounts, and building the credit mix that maximizes your score gains.
Creditor Negotiations
We negotiate pay-for-delete agreements, goodwill deletions, and debt validation requests directly with creditors and collection agencies on your behalf.
Ongoing Monitoring
We monitor your reports for new negative items, score changes, and dispute results — keeping you informed every step of the way until you reach your goals.
Our Credentials & Compliance
FCRA Certified
All advisors are certified in Fair Credit Reporting Act compliance
CROA Compliant
We operate fully under the Credit Repair Organizations Act
SSL Encrypted
All client data is protected with bank-level encryption
BBB Accredited
Accredited member of the Better Business Bureau
What Our Clients Achieve
481
Before
748
After
Carlos M. · Chino, CA
5 months · Goal: Auto loan approval
Removed 2 collections, 3 duplicate entries, reduced utilization from 89% to 12%
512
Before
701
After
Maria L. · Ontario, CA
4 months · Goal: Apartment rental
Removed 1 medical collection, disputed 4 late payments, added authorized user account
558
Before
724
After
James R. · Rancho Cucamonga
6 months · Goal: FHA mortgage
Removed charge-off, reduced utilization, added credit builder loan, goodwill deletion
Ready to start your credit repair journey?
Our team is available Monday–Saturday, 9am–6pm PST. Start with a free credit analysis — no commitment, no hard inquiry.
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