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Best Credit Repair Companies in Daly City

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760 Credit logo

760 Credit

3230 Fruitvale Ave,, Oakland, CA 94602
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  • Debt Consolidation

760 Credit caters to individuals and businesses across Daly City and its surrounding communities. It offers credit repair services, helping those who are usually being offered interest rates that are too high or turned down for financing. It creates customized letters of dispute for its clients and assists clients with monitoring their credit and updating their credit reports. It utilizes a 12-point credit accelerator system to help clients increase their credit scores. The company also offers credit analysis and business credit services.

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Bay Area Credit Repair logo

Bay Area Credit Repair

388 Santana Row Apt 1224, San Jose, CA 95128
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  • Credit Monitoring
  • Credit Dispute

Bay Area Credit Repair is a San Jose-based company extending its services to people in Daly City. The team, which has over 35 years of experience, assists clients who need personal or business credit repair solutions, helping them clean their credit scores, secure loans, and achieve financial stability. In addition, the company offers credit counseling to individuals and business owners planning to obtain loans, including mortgages. It also provides debt reduction solutions and creates credit-ready shelf corporations.

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Credit Repair Bay Area logo

Credit Repair Bay Area

3240 South White Road, Suite 232, San Jose, CA 95148
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  • Debt Consolidation

Credit Repair Bay Area caters to individuals, families, and businesses in the Daly City metro and the surrounding communities. It helps clients improve and build their credit scores by offering repair solutions. It analyzes the customers' credit reports and disputes negative items, such as charge-offs, collections, foreclosures, judgments, late payments, and tax liens. The company has been in operation for over 19 years. Rick Jackson, the owner, is a member of the National Association of Credit Services Organizations.

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E Fix Credit Solutions logo

E Fix Credit Solutions

1 Sansome Street 35th Floor, San Francisco, CA 94104
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  • Debt Consolidation
  • Credit Monitoring

Founded in 2009, E Fix Credit Solutions serves contractors, business owners, and families throughout Daly City. The firm offers a credit repair program that involves credit building and enhancement and credit restoration. It helps business owners build their corporate credit rating by branding and marketing, establishing Employer Identification Number (EIN), maintaining Dun and Brad Street Business Credit Reporting, creating a website, and providing a virtual address. In addition, E Fix Credit Solutions educates clients on how to maximize their credit capabilities.

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New Credit logo

New Credit

1141 Capuchino Ave., #1995, Burlingame, CA 94010
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  • Credit Monitoring

New Credit offers concierge credit services for employee benefit plans and small to large organizations, which include defending their credit statuses from threats. The company serves Daly City and the surrounding areas. Its team of professionals removes inaccurate or negative items on clients' credit reports while also improving their credit scores. Its group challenges credit report items based on state and federal consumer protection laws and saves clients from exploitation from debt collectors and bankruptcy attorneys.

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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
  • Credit Audit

Rise to 800 is a professional credit repair and restoration firm that serves clients in Daly City and the neighboring areas. The firm offers confidential credit assistance by appealing inaccurate and unverifiable negative accounts from customers' credit profiles. Its board-certified credit repair counselors are trained in advanced Metro 2 Compliance, a method of credit repair that verifies whether items on credit reports meet compliance standards. Likewise, the company devises customized credit-building roadmaps to empower clients in maintaining their good credit standing.

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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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