credit expert - educator - advocate
Your Credit Problems
Have a Solution
Get a clear picture of where you stand and a personalized path forward.
Serving California, Texas, and clients nationwide.
15+
Years of Experience
Personalized
Content Strategies
Education
Builds Confidence
Real Guidance
Clear next steps
Services
Choose The Right Path Forward
Credit Repair
Hands-on support for inaccurate, outdated, or unverifiable credit reporting.
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the process
Complete Your Credit Analysis
Start with a detailed review of your credit profile.
Answer a Few Questions
Tell us about your goals so we can understand your needs.
Book Your Consultation
Schedule a time to review your results and next steps.
about the expert
Meet Erika Garcia
Credit Expert - Business Mentor - Community Leader
With over a decade of experienct in credit and financial literacy, Erika Garcia helps individuals and entrapreneurs understand their credit, make informed decisions, and build stronger financial futures.
As the founder of OC Credit & Business Builders, Erika is passionate about empowering her clients through education, strategy, and real world solutions creating lasting impact.
Erika Garcia
Build Credit Knowledge. Build a Business.
The OC Credit & Business Builders Academy produces training, tools, and mentorship to help you grow your knowledge and your impact.
Our Clients Love us
Real People. Real Experiences.
My credit has improved greatly, and I couldn’t be more grateful. I definitely recommend Erika to anyone who needs help.
Erika knows her stuff and was very thorough in explaining everything in a way that made sense for me and my situation.
Erika helped me settle and remove collection accounts. My scores went from the high 400s to the mid 600s. She performed above my expectations.
Trustworthy! Erika was knowledgeable and experienced. She provided valuable information and the results I was looking for.
I started with OC Credit & Business Builders four years ago. They corrected my credit issues, helped me build my business, and I couldn’t be happier.
Within a couple of months, negative items were removed and my score increased significantly. I would recommend them to friends and family.
We saw positive results within the first few months. They were responsible, attentive to our needs, and always did what they said they would do.
OC Credit & Business Builders has a beautiful facility and some of the nicest people. I highly recommend them if you need credit repair.
Your Path to Stronger Credit
Starts Here.