credit expert - educator - advocate
Credit Knowledge
Personal Guidance
Real Possibilities
I help you understand your credit, build a clear plan, and take confident next steps toward the life you deserve.
15+
Years of Experience
Education
First Approach
Personalized
Credit Strategies
my story
More Than Credit Repair
Founded by Erika Garcia in 2016, OC Credit & Business Builders began with a simple mission: to help people overcome financial challenges and create stronger futures.
From humble beginnings, Erika built the company into a trusted resource serving individuals and businesses nationwide. Her approach combines professional expertise with personal guidance, helping clients understand their options and move forward with confidence.
As a proud Latina entrepreneur born in Mexico, Erika is deeply committed to education and community empowerment. She was featured in Amare Magazine as Entrepreneur of 2024 and named Ambassador of the Year 2024 by the Orange County Hispanic Chamber of Commerce.
Erika also mentors college students through the Hispanic 100 Foundation, teaching financial literacy and essential life skills. Her community work has included collaborations with Samueli Academy, Grace Stone Foundation, and local high schools. She has shared her expertise through podcasts, Univision’s financial segment, and Vision Latina.
Today, Erika and her team provide credit repair, debt settlement, DIY credit education, tax preparation, bookkeeping, business development, budget planning, and digital marketing services.
No matter where you are starting, Erika believes the right knowledge, strategy, and support can help you take control of your finances and build a stronger future.
Erika Garcia
my story
Built on Education Honesty & Strategy
Everything I do is rooted in these core values.
Educate First
Knowledge is power. I teach you how credit works so you can make informed decisions with confidence.
Create a Clear Plan
No cookie-cutter solutions. I build a strategy tailored to your unique goals and situation.
Support the Journey
You're not alone. I provide ongoing guidance and encouragement every step of the way.
expertise that empowers
Ways Erika Can Help
Credit Repair
Strategic, ethical guidance to help you address inaccurate items and improve your credit profile
Debt Settlement
Explore settlement options and create a plan to reduce debt and regain financial control.
DIY Credit Education
Learn the skills to build and maintain strong credit on your own with courses, tools, and resources.
OC Credit Academy
Turning Experience Into Education
Through the OC Credit Academy, I share expertise with consumers and aspiring credit professionals.
From live webinars and classes to mentoring programs, my goal is to help you grow your knowledge, sharpen your skills, and create new opportunities.
My credit has improved greatly, and I couldn't be more grateful. I definitely recommenc Erika to anyone who needs help.
Your Path to Stronger
Credit Starts Here