Best Credit Repair Companies in Fairfield

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DMI Financial Solutions logo
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DMI Financial Solutions

3069 Alamo Dr Suite 1107, Vacaville, CA 95687
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  • Debt Consolidation

Business Description

DMI Financial Solutions serves the locals in and around the Fairfield metro. It provides credit repair services that come with bureau audit reports, unlimited disputes, building products and education, and portal access that is available 24/7. It also offers other solutions that include challenging credit bureaus, collection agencies, and monitoring the client's credit to protect them against identity theft and any changes made to their file. Damiaya Robinson, its operator, has published a book called Finessing Over My Finances.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.6 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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DMI Financial Solutions

Solano Credit Repair logo
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Solano Credit Repair

Fairfield, CA
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  • Debt Consolidation

Business Description

Solano Credit Repair serves clients in Fairfield and the surrounding areas. It offers a wide range of services, including credit repair, analysis, and counseling, as well as student loan forgiveness and debt consolidation. It retrieves the specific credit reports and organizes them to identify items that need to be challenged or changed. The company orders ChexSystems FACTA reports and LexisNexis public records or files to confirm that no aspect of the clients' credit history is overlooked.

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Solano Credit Repair

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Frequently Asked Questions

Can credit repair companies remove bankruptcies?

A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

How do you repair credit after identity theft?

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.

Is credit repair legal?

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.

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