What Loan Officers say

Steve Altonian The Credit Cowboy at Credit Law Solutions has been a valuable resource for myself & my clients. He is a trustworthy, experienced, & highly proficient credit expert, & he has been able to assist many of my clients with challenging credit scenarios. He works fast, he is accessible & his pricing is very fair. I highly recommend Steve! He has proven himself to be a valuable member of my team!

-Brian McKim-Sales Manager~Skyline Home Loans Glendale, CA

It is with absolute confidence & trust in Steve Altonian "The Credit Cowboy" that my team & I strongly recommend him & Credit Law Solutions for Credit Repair Services.  We have had the great fortune over the last few years to have Steve as a Business Partner to assist our clients with credit repair needs. Steve has truly made a significant difference in the credit strength of our clients, thus making an incredible difference in their lives when they finally have the credit needed for them to purchase a home with us!


Our clients, my team, & I have always had outstanding customer service from Steve.  He treats each & every client with so much respect & understanding.  He takes the time to thoroughly explain everything to the clients so that they understand the credit situation, have peace of mind, & know what to expect as far as results & the time frame expected.  So many of our clients have expressed how inpressed they are with Steve.  We of course are impressed as well, & we can see it in the results & in the success in the credit scores over & over every time we send a client Steve's way!  We have had great success with him with countless clients of ours.


We truly value having Steve as our Business Partner. With his knowledge & assistance, he has truly helped us make dreams come true for our clients!”

-Annette Hunt Sr. Loan Officer~Guild Mortgage Elko, NV

I had a medical collection show up on my credit report recently.  I had no idea what it was, so I worked with Steve Altonian The Credit Cowboy with Credit Law Solutions to get it removed.  They got the collection removed from all three bureaus in 21 days.  You can't ask for more than that.  I have also referred clients to Steve over the last few years, & he has done a great job for them as well.  I was able to get my clients mortgage loans that they would not have been able to do without his help improving their credit.

-Guy Keith Personal Mortgage Planner~Finance of America Seal Beach, CA

I am a Realtor in San Diego and have been in the business for 34 years.  Over the years, I have had numerous clients contact me-who wanted to buy a home-but couldn't, only because they had issues with their credit. 

I referred these clients to a number of 'credit clean-up agencies', over the years, and  for the most part, they were largely ineffective-and the results were usually poor-and they often charged a lot for the service-even though the results were not there..

That is until I met Steve Altoninan 'The Credit Cowboy'. He is truly in a league of his own! Very responsive, professional and knows exactly what to do to achieve great results for people-and in very little time!  For example, I know one person who had had multiple short sales, foreclosures and even a Bankruptcy, showing up on their credit report-from the market crash in 2008.  They could't even get a credit card-let alone buy a house.

Steve was able to get incredible results for them, and within approximately 60 days-there score went all the way up to 712!  The best part is, Steve is not even done yet with helping them raise their score, so that number will be improving significantly in the near future!

If you, or someone you know, is looking to improve their credit score-look no further! Call Steve Altonian- The Credit Cowboy' today! 

-Don Pelletier Real Estate Broker~The Pelletier Group San Diego, CA

Steve "The Credit Cowboy" Altonian has really gone out of his way to help our clients achieve their goals of homeownership. What I like most about Steve is that his service works! His Company Credit Law Solutions works miracles for our clients and he does it with a servant’s heart. He will never recommend his services unless it truly makes sense for the client. I highly recommend Steve!


-Aaron Page Sr. Mortgage Consultant~On Q Financial Austin, TX

When I think of Credit Law Solutions and Steve Altonian The Credit Cowboy, simply one word comes to mind....INCREDIBLE!  

Throughout my 15 years working in the real estate & mortgage industry, I've come in contact with hundreds of companies claiming to repair credit.  Sadly to say, each and every one of them had disappointed me until I was referred to Steve at CLS.  The service at CLS is extraordinary!  I am a firm believer in the phrase, "It's not what you say, it's what you do!"  CLS does EXACTLY what they say!

All my clients' credit scores increase over the course of 2-6 months and I continuously receive praise and acquire new business as a result of my affiliation with CLS.  CLS is definitely a great investment; I have seen other companies charge quadruple their rates and achieve a fraction of the results.

In short, CLS is the best I have seen and I give them my highest accolades!  Keep up the good work and don't change a thing.

-Bilal Green Mortgage Planner~Chase Bank Carson, CA

Steve Altonian "The Credit Cowboy" & his team have done great work for many clients of mine.  Due to their excellent work on my clients credit, the clients were able to get their scores up to be able to obtain the new financing they were in need of.

Myself & my clients are extremely happy with the outcome & great customer service that Steve & his team delivers.

I will continue to refer all my clients in need of assistance with their credit to Steve & his team.

-Chris Wagner Branch Manager~Finance of America Encinitas, CA

Sometimes there are bumps in the road. In our business, you don’t always have “seamless” transactions. Sometimes you have to get your hands dirty and dig up solutions. For a long time, I spent time trying to put my clients on a path to success after they had some unsuccessful credit events. When I could have been out getting new business, I was spending time fixing and coaching my problem children.


Then I met Steve Altonian @ Credit Law Solutions. I sent him one client to test the waters... the client was delighted with his service, and I was delighted when they came to me prepared for a successful loan! So I sent more... and I had more successful closings. The entire “dirty in need of clean up” part of the process handled seamlessly by Steve. To date, I find myself kicking over the clients that just need that extra help and extra step... and find them a few months later ready to go and become homeowners. Steve and his team has not just become a partner, but at times, a fluid part of my loan process.

-Rachelle Thomas-Mortgage Loan Officer~HomeStreet Bank Bend OR

I've worked with quite a few different credit repair providers. Steve and his team are by far the best. They are very honest and have successfully repaired credit for a bunch of my clients. I wouldn't trust anyone else but Steve Altonian The Credit Cowboy and his team to repair credit for my clients. He's extremely responsive and takes great care of my clients. Normally, I get a lot of complaints with other providers, never had a complaint from my clients on Steve or his team!

-Jonathan Tipton Senior Mortgage Planner~BenchMark Home Loans Johnson City TN

I would like to highly recommend this service.  I have been in the mortgage business for more than 20 years and a great credit repair company as well as individual is hard to find.  Steve works hard to earn your business as well as help your clients be ready for a mortgage and takes ownership of each customer.

In my case I have sent Steve many people and within a few months he is getting back to me stating that they are ready to go.  He has never failed me and I appreciate that.

On a personal note I used him to clean up my wife’s credit with 100% efficiency.  She now has a credit score exceeding my own and has perfectly clear credit.  She tried to do this herself in the past with no success but Steve was able to clear it within two months.  Great job Steve.

-Tom Bond Loan Officer~Umpqua Bank Home Lending

I am writing to recommend the services of Steve Altonian The Credit Cowboy with Credit Law Solutions. I have been referring Credit Law Solutions to our clients in need of credit repair for the past few years, and have always been completely satisfied. Him and his team do an excellent job, are always punctual, and offer great communication between the clients and our team! His team recently moved one of our client’s credit score up 143 points!  I'm happy to recommend the services of Steve Altonian for credit counseling....

-Alicia Chaves-Loan Officer~Academy Mortgage Elko, Nevada

I would recommend Steve Altonian and Credit Law Solutions to anyone in need of credit repair. In my 12 years in the lending industry I have worked with other credit repair firms but none that can stand up to the professionalism and effectiveness of Credit Law Solutions.


Several years ago I was contacted by Steve Altonian and at first I was hesitant to give his services a try due to my prior experience with other credit repair firms that did not accomplish what they had promised. My clients were not happy with my previous recommendations to other credit repair firms and I decided to stop recommending any credit repair services. After a few conversations with Steve I decided give Credit Law Solutions a try and referred an important client in need of credit repair. Not long after starting on the program Steve was able to significantly increase the credit scores and ultimately get the pre-approved I was able to help them close their purchase loan.

I confidently recommend all my clients in need of credit repair to Steve and Credit Law Solutions. The feedback that I receive from my clients is all positive and they thank me for referring them to Steve. I have closed countess loans thanks to Steve and his team at Credit Law Solutions.


Steve Altonian and Credit Law Solutions have become a valuable resource to my team and we truly value having Steve as a business partner.

-Juan Barraza Branch Manager~Castle & Cooke Mortgage Burbank, CA

I have worked with Steve Altonian for a while now, and I must say he is a very diligent business partner. He has helped many of my clients out by helping clear up their credit.  Without his efforts, it is safe to say I would close less escrow’s in a given year.  He’s the real deal...

-Nareg Kaprielian Loan Officer~Prime Lending Sherman Oaks, CA

I have been working with Steve Altonian The Credit Cowboy at Credit Law Solutions now for some time and have always been impressed on how Steve evaluates his potential clients to determine the potential outcome of the credit cleaning or credit repair.

Steve is not a high pressure person, to the contrary, he just gets the job done. He makes his recommendations immediately once he peruses through the credit report on how to take action to get the results we need. I found Steve from the beginning to be very professional and sincere on his assessment as to what the outcome maybe.  During the process of cleaning/repairing credit, he has always kept me informed of the activity and progress and how our customers have been responding to what is needed from them so he can continue to make progress.

After well over 28 years in this industry and having worked with past credit repair/cleaning companies, I find Steve to be the best in the business.

It is with sincere pleasure and do highly recommend Steve Altonian, he definitely has the knowledge and resources to get the job done and will give you the correct advise every time.

-Ambro Martin Mortgage Loan Consultant~Wells Fargo Bellevue, WA

It's simple; Steve at Credit Law Solutions has proven, in the last 3 years, that he and his staff can deliver results, improving scores between 60 and 80 points per bureau. Upon his initial client analysis, if he cannot increase ones scores he will say so.  If he feels that he can have derogatory items removed, he will also say so.

-David W. Morris-Sales Manager~New American Funding Livermore, CA

Honestly, I was skeptical when I first started working with Steve Altonian The Credit Cowboy & Credit Law Solutions because of my past experience with credit repair companies. However, his expertise and quick responses made me trust in their services, and one by one I started referring my clients to him as I knew he would give an honest opinion and help them.


I was thrilled with one specific client's credit repair, whom he helped to increase his credit score from 625 to 685 in a span of 3-4 months. Thank you very much for that, & for helping all my clients, and being there whenever I have some questions regarding credit. Just wanted to let you know that your work is much appreciated and I will be happy to refer you to anyone in need of credit repair.

-Eram Lokhandwala Senior Mortgage Advisor~Bank of America San Diego, CA

Steve did an awesome job with customer of mine, he improved the credit score from 624 to 743 in a matter of 3-4 months.  He was able to remove several collections and a second mortgage charge off account which is not an easy task. Hats off to Steve and his Team for their excellent work.  

Milko Topalov Branch Manager~International City Mortgage Rancho Cucamonga, CA

Through the course of business, I have had the pleasure of working with Steve Altonian, and Credit Law Solutions.  Mr. Altonian has been extremely helpful and responsive in helping get my clients into the credit repair process. I am happy to report that all of my clients have been more than pleased with the level of customer service provided by Mr. Altonian, and his company.


I would encourage anyone in the mortgage business to consider using Credit Law Solutions for their clients in need of credit clean-up. In our branch, we are very pleased with the service.

-Polly Adams-Branch Manager~Security National Mortgage Corporation

Thank you Steve for your help yesterday with my borrowers and for understanding what I have to do to get them closed.  Appreciate you knowing & understanding about all the Guidelines of what is needed to support this type of loan.  Will be sure to push you more people, you are way better than National Credit Care

-Tim Ross Senior Mortgage Specialist~Guaranteed Rate Chicago IL

Prior to working with Steve I will admit that I was very skeptical of a company and a person saying that they can actually help people rebuild their credit. I am pleased to say I am skeptical no more!!!! My clients have been thoroughly pleased and I am impressed with the “Magic” that Steve has been able to accomplish.


I would recommend sending any borrower to Steve. His quick responses and his hands on service is the best in business hands down. All my loan officers have Steve’s contact information and I encourage all my loan officers to reach out to Steve the minute they run across anyone with credit issues. Credit Law Solutions is the best...

-Dennis Santiago Branch Manager~Mason McDuffie Hilo, HI- Big Island

I have worked with Steve Altonian over the last several years, his attention to detail and truly caring attitude is what separates him from the pack. He treats each individual with respect and honesty. I highly recommend utilizing Steve.

-Demanche Clemente Regional Sales Manager~PacificBanc Costa Mesa, CA

I have been working with Steve Altonian at Credit Law Solutions for about 6 months.  I have referred numerous clients to him and his team.  Each one has been thrilled with the customer service and hope that their credit can be repaired. 


I recently had a client with a credit score in the low 600’s that I referred to him. Within 3 months, the credit score is now 766!!  We were able to help this client buy their first home and it wouldn’t have been possible without the help of Steve and his team.

-Melissa Williams Loan Officer~Guild Mortgage Redmond, OR

Steve Altonian is an awesome addition to my business partner network!  He has a proven track record with me my clients and I am so grateful for him and his team!  He doesn’t overpromise and he absolutely always delivers!! Steve, you are the man!!!

-Pauline M. Harris-Senior Loan Officer~Southeast Mortgage Atlanta, GA

I received excellent service from Steve Altonian at Credit Law.  I had a client that had been working with another credit repair agency for approximately 6 months with no results.  We were trying to remove a foreclosure that he co-signed on for his son. Once I moved him to Steve...Steve worked with him just a few short months and got the foreclosure removed.  Yippy!  I now have the points I need to refinance his home on a Jumbo loan. 


Steve is awesome at what he does and I HIGHLY recommend him.

-Darlene Zbanek Senior Loan Officer~Starkey Mortgage Denver, CO

It is very rare that I will ever endorse anyone, but Steve Altonian is a long-time colleague of mine who understands both the business of credit repair & loans. When any of my brokers have clients who need credit repair to be qualified for a loan, Steve Altonian at Credit Law Solutions is who I refer my LO’s to.

-April Lopez-Account Executive~HomeBridge Los Angeles, CA

I used Steve Altonian & Credit Law Solutions on my personal credit profile. Due to their efforts, coupled with my own, my score increased from 604 to 704 in six months from May-Nov. 2013 and my home purchase loan funded Dec.5, 2013.  It was well worth the investment to get some professional assistance, as it was difficult to do it all on my own, even with decades of experience in the Mortgage/Real Estate business.

-Patrick Sell-American Pacific Mortgage~Senior Mortgage Banker/Production Partner

Steve The Credit Cowboy has been extremely helpful in assisting my clients clean up their credit issues. Always very available and knowledgable!

-Maria Limberg Mortgage Advisor~Finance of America Vancouver, WA