About Us

Duran Personal Credit

An affiliate with Citizens Credit Bureau which has been in business over 25 years!

My name is Art Duran and I am the proud owner and founder of Duran Personal Credit in Bakersfield, California. We are not a large company. We are a small “Mom and Pop” specialty credit bureau. We maintain a limited number of members and I will be personally working on your files. We recognized that many of our clients had less than perfect credit so we began searching for a way to help them clean up their credit history and get a fresh start. If you are in a situation where you have less than perfect credit, please know that there is hope. There is a way to legally, effectively, and affordably clean up your credit history.

About Art Duran

Art Duran is founder and co-owner of Duran Personal Credit in Bakersfield, California. Art is dedicated to assisting people who have suffered consequences of this devastating economy by assessing and evaluating your credit report and giving them a fresh start. His goal is to show tens of thousands of people how they can protect their credit, identity, family and financial future.

The Company

Citizens Credit Bureau is a small specialty credit bureau that specializes in assisting consumers with raising their credit scores. We have been involved in this industry for over 25 years. Our Member Services team has over 40 years of combined experience helping consumers raise their credit scores. Some of our key employees and partners have been instrumental in organizing and developing the most successful credit repair companies and credit repair law firms in the United States. Companies such as Lexington Law, Legacy Legal Services, Homeland Mortgage, and several others.


Rick Anderson/ CEO of Citizens Credit Bureau

“I started in 1986 with CCS Financial, one of the first credit repair companies. This was back when there were four major credit bureaus. Do you remember the Chilton credit reporting agency? They were bought out by TRW which later became Experian. I was inspired by the book “Credit Where Credit is due” I felt like there had to be a balance between the credit bureaus ability to affect a person’s life and the consumer’s right to fair and accurate credit reporting. I have always felt if the credit bureaus would strive harder to assist consumers, rather than the only report for those who had extended credit, our economy would be stronger. It would make it more difficult for lenders who have predatory tendencies to prey on consumers who have lower credit scores-but are doing well financially-to be penalized by higher interest rates as well as other predatory lending practices. In 1997 we organized Citizens Credit Bureau with the idea of putting the responsibility of “credit repair” right where it belongs, with the credit bureaus”.


Obtaining Members/Clients was the easy part. One of the first obstacles we encountered was billing issues, how to keep track of clients/members who were paying on a regular basis, as well as meeting the needs of those who could not afford membership in Citizens Credit Bureau. We went through a couple of different companies, only to be disappointed by the inability to get accurate reports as well as meet the needs of our Members/Clients.

We finally sought the help of an individual who was able to write a customized computer program to assist us in tracking and billing our dedicated Members/Clients as well as assist those who were still experiencing financial difficulties. Our income doubled during our first month of using this program.

Tracking & Monitoring

Our next issue was effectively tracking and monitoring our Members/Clients’ status and progress. The same individual who developed our billing database, spent the next two years, approx. 20-25 hours per week writing and developing a program/database to help us effectively track and monitor our Members/Clients.

During this time, policies and procedures were developed to assist our staff at CCB Member Services in assisting our Members/Clients with each of their unique credit needs. Our Members love the quality of life we help them to achieve

Amazing Service

Citizens Credit Bureau was organized in 1997. We have helped thousands of consumers and have an excellent rating with the BBB. Our business model is based on continuous training and education, sound policies and procedures, and a fanatical commitment to solid customer service.

Get Started.

Please feel free to contact us with any credit related questions you may have; we are always happy to help.