Best Credit Repair Companies in Berkeley

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Bay Area WAV Inc logo

Bay Area WAV Inc

1721 Broadway Ste 201, Oakland, CA 94612
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  • Debt Consolidation

Bay Area WAV Inc., has been rendering credit repair for clients in Berkeley and the surrounding areas since 2019. It offers virtual credit coaching and counseling services for credit tracking, credit score improvement, information dispute, and credit building. The company equips clients with DIY credit repair knowledge drawing on FCRA law education, student loan removal guidelines, and credit repair letter kits. CEO and founder Nicole Scott has over 20 years of business management experience and personally handles the company's coaching sessions.

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Blue Water Credit logo

Blue Water Credit

311 Judah Street Suite 200, Berkeley, CA 95678
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  • Debt Consolidation

Blue Water Credit helps individuals in Berkeley maximize their scores by removing negative items and adding positive information to their reports. It guides clients through the repair and rehabilitation process to familiarize them with the strategies used to manage and improve credit. The company also assists in negotiating with collectors and resolving debts. Through credit restoration and education, Blue Water Credit helps people make a fresh start and achieve their goals—whether it be to refinance a mortgage or get a car loan.

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His Majesty Credit Solutions logo

His Majesty Credit Solutions

​2001 Addison Street, Berkeley, CA 94704
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His Majesty Credit Solutions is a Berkeley-based firm that offers credit repair solutions to clients in the local metro and the surrounding areas. It educates clients on rebuilding and maintaining credit profiles to minimize future financial restrictions. It also performs credit report audit to identify inaccurate entries and submits credit disputes against bureaus and creditors. Additionally, it partners with real estate agents, mortgage brokers, and tax professionals to work on their credit-challenged customers. The firm has been helping individuals improve their financial profiles since 2014.

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Rise to 800 logo

Rise to 800

548 Market Street #91983, ​San Francisco, CA 94104
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  • Credit Monitoring

Rise to 800 serves Berkeley and the surrounding communities. The San Francisco-based company provides credit repair packaged with unlimited deletions, secure monitoring, and a customized credit-building roadmap with access to lines of credit. It disputes every piece of negative information, and its team teaches clients how to continue building and maintaining their new scores. The professionals remove negative accounts like medical collections, default student loans, child support, and foreclosures. Rise to 800 is certified by the Credit Consultants Association.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Q: Is credit repair legal?

A: Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

Q: Can a credit repair company remove late payments?

A: Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

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