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Best Credit Repair Companies in Fremont

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Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

Fremont, CA
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  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Business Description

Credit Saint provides credit repair services around the Fremont area. The company's credit repair experts aim to help clients understand their credit scores and avoid credit issues in the future. They also challenge the entries in their clients' credit files by looking for biased, inaccurate, incomplete, misleading, and unverifiable items that can be removed. They offer different packages, which include services like creditor interventions, inquiry targeting, and challenges to major credit bureaus.

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.
4.8
Google
4.8 / 5 (5317)
Yelp
2.5 / 5 (23)

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
Responsiveness
Friendliness
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Detail

Price: Free credit evaluation

Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

Fremont, CA
  • Consumer Credit Services
  • Credit Repair

Business Description

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

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.
4.3
Facebook
4.3 / 5 (2869)
Google
1.0 / 5 (3)

Price: Free Credit Report Consultation

AEG Credit Services logo
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AEG Credit Services

200 Serra Way #46, Milpitas, CA 95035
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Business Description

AEG Credit Services is a credit restoration company that is dedicated to reaching the financial goals of Fremont-based clients. The company's team of credit experts is trained to repair credit, helping clients apply for a personal loan or a credit card. They review credit reports and file disputes for any incorrect and unverifiable information. AEG Credit Services uses advanced technology, wherein clients can monitor the credit restoration progress through a personalized dashboard.

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
Yelp
4.5 / 5 (7)
Facebook
5.0 / 5 (5)
Google
5.0 / 5 (1)

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
Responsiveness
Friendliness
Helpfulness
Detail
AEG Credit Services logo
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AEG Credit Services

200 Serra Way, Milpitas, CA 95035
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Business Description

AEG Credit Services, a credit consultancy agency, has been serving the financial needs of individuals in Fremont and surrounding areas since 2014. Services cover comprehensive analysis of clients' finances, development of strategies to improve clients' credit scores, filing of unlimited credit disputes to the relevant authorities, loan approval coaching, and unlimited personal inquiry removal. The credit specialists on staff manage numerous credit issues, such as repossessions, foreclosures, and bankruptcies. AEG Credit Services' full-scale online system has score trackers, an email notification system, and scenario analysis that provides clients with real-time updates. The company's credit personnel are certified by the National Coalition of Credit Services Providers.

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.
4.7
Facebook
5.0 / 5 (4)
Bay Area Credit Repair logo
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Bay Area Credit Repair

Fremont, CA
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  • Debt Consolidation
  • Credit Monitoring

Business Description

Bay Area Credit Repair is a locally owned business serving Fremont and the surrounding areas. It provides clients with assistance in disputing errors and challenging negative items on credit reports. It helps reconcile credit documentation between lenders, credit card companies, and debt collectors that don't appear in credit reports. It also offers 24/7 credit monitoring services, utilizing TransUnion systems to provide customized information and advice. Bay Area Credit Repair guides clients in improving scores beyond credit repair.

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.
4.1
Google
5.0 / 5 (3)

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
Responsiveness
Friendliness
Helpfulness
Detail
Bay Area Credit Repair logo
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Bay Area Credit Repair

2959 S Winchester Blvd #201, Campbell, CA 95008
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Business Description

Bay Area Credit Repair is an insured credit counseling and credit repair business that serves the Fremont area. The company provides assistance in credit repair and restoration. The professionals are up to date on consumer rights laws, and they use this knowledge to validate information on clients' credit reports. Aside from credit repair, the team also offers credit counseling services. Bay Area Credit Repair was founded in 2015. Its team has more than three decades of experience in the industry.

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.
5.0
Google
1.0 / 5 (1)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Better Credit USA logo
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Better Credit USA

745 Distel Dr Ste 118, Los Altos, CA 94022
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Business Description

Founded in 2013, Better Credit USA provides credit repair services in Fremont and surrounding areas. The staff assists in correcting credit records that contain obsolete and inaccurate information or items in violation of consumer protection laws. They request copies of client credit reports and handle removal of derogatory information, including late payments, foreclosures, inquiries, and short sales. The firm also helps resolve problems with collection accounts, bankruptcies, absence of public records, and student and auto loans. It offers legal services such as lien resolution, name change filings, immigration defense, and civil conflict resolution. Better Credit USA is a member of the Los Altos Chamber of Commerce and Women's Networking Alliance.

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.
4.7
Facebook
5.0 / 5 (8)

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
Responsiveness
Friendliness
Helpfulness
Detail
Continental Credit Repair logo
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Continental Credit Repair

96 North 3rd Street, San Jose, CA 95112
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Business Description

Continental Credit Repair is a group of credit repair professionals that provides services in the Fremont metro. The company offers financial advice and services that help fix a client's bad credit score. Its approach starts with a thorough investigation, research, and listing of all existing credits. It has successful cases that have generated an increase of 30 points for its clients. Registration can be done through its online portal, where the process and progress can be viewed 24/7.

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
4.7 / 5 (23)

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
Responsiveness
Friendliness
Helpfulness
Detail
CreditRepair.com logo
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CreditRepair.com

39300 Fremont Blvd, Fremont, CA 94538
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Business Description

CreditRepair.com, a credit repair company in Fremont, has provided financial solutions since 2012. The credit experts analyze credit reports and work on finding and addressing inaccurate negative items that affect credit scores, such as negative payment histories and debts. The company works with the three credit bureaus to ensure credit reports are fair and accurate. The team monitors credit scores after the successful removal of derogatory items to address any new issues that may hinder the financial restoration process. CreditRepair.com offers credit score and report coaching, and clients can receive credit report evaluations via phone. Other services include credit improvement and identity theft issues plus debt, loan, and saving education.

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.
4.6
Facebook
4.7 / 5 (415)

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
Responsiveness
Friendliness
Helpfulness
Detail
F.I. Tax Credit Financial Services logo
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F.I. Tax Credit Financial Services

2162 E. 14th Street, San Leandro, CA 94577
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  • Debt Consolidation
  • Credit Monitoring

Business Description

F.I. Tax Credit Financial Services caters to businesses in the area of Fremont. Its team of tax consultants provides tax planning and preparation services. These include helping arrange the necessary paperwork for the filing of tax returns. The team also offers credit monitoring, repair, and restoration solutions, as well as assistance in business funding. In addition, the company provides coaching services for entrepreneurs who wish to grow or expand their businesses.

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.
5.0
Facebook
4.5 / 5 (57)

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
Responsiveness
Friendliness
Helpfulness
Detail
Grapevine Financial logo
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Grapevine Financial

14744 Washington Ave #235, San Leandro, CA 94578
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  • Credit Dispute

Business Description

Grapevine Financial provides credit repair assistance for residents in Fremont and the surrounding locations. Its three-step credit repair process begins with an evaluation of clients' credit reports. It also involves removing negative items such as public records, collections, and late payments. Its team disputes up to 20 credit report errors, which cover reports from the three major credit bureaus. The credit score specialists continue to correct report inaccuracies in pursuit of helping clients build and maintain positive credit.

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.
5.0
Facebook
5.0 / 5 (13)

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
Responsiveness
Friendliness
Helpfulness
Detail
iMax Credit Repair Firm logo
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iMax Credit Repair Firm

100 Pine Street, San Francisco, CA 94111
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Business Description

Serving the Fremont area, iMax Credit Repair Firm addresses a wide range of credit report problems. The company removes various items from credit reports such as fraud charges and negative items like foreclosures, repossessions, and charge-offs. The credit repair specialists use credit bureau disputes that directly engage creditors and check their compliance information. They will also demand the deletion of discovered credit reporting violations and file lawsuits when needed. iMax Credit Repair Firm has been in service for 15 years.

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.
5.0
Yelp
5.0 / 5 (118)
Google
5.0 / 5 (23)

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
Responsiveness
Friendliness
Helpfulness
Detail
Optimal Debt Solutions logo
Visit WebsiteWebsite

Optimal Debt Solutions

Fremont, CA
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  • Debt Consolidation

Business Description

Founded in 2009, Optimal Debt Solutions is a full-service credit management company serving Fremont. It helps individuals reduce or eliminate their debts and regain financial freedom through credit repair services. The company employs over 265 debt management advisors who help thousands of debtors each month. Equipped with legal accreditations and years of experience, they have settled more than $1 billion worth of debts caused by job loss, personal loss, and poor investment performance. Optimal Debt Solutions combines money management and debt consolidation strategies.

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.
5.0
Google
5.0 / 5 (16)

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
Responsiveness
Friendliness
Helpfulness
Detail
Poser Tubes Credit Repair logo
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Poser Tubes Credit Repair

Fremont, CA
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Business Description

Poser Tubes Credit Repair is a credit repair agency in Fremont that uses a practical approach to improve residents' credit ratings. It assists clients in restoring and boosting their credit scores by filing credit disputes and correcting erroneous information on credit reports. The professionals actively monitor clients' credit reports and keep them informed on any improvements. The company provides credit solutions for judgments, bankruptcies, paid and unpaid charge-offs, late payments, and foreclosures. It also manages collection accounts and helps with issues concerning auto repossessions. Additionally, it works on mortgage financing solutions and remote credit repair services. Poser Tubes Credit Repair offers over-the-phone credit repair services to customers in remote areas.

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.
5.0
Google
5.0 / 5 (11)
Roundleaf logo
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Roundleaf

2055 Junction Avenue, Suite 115, San Jose, CA 95131
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  • Debt Consolidation

Business Description

Roundleaf serves individuals with credit issues in Fremont and the neighboring communities. It assists clients in handling financial matters by offering various services such as credit counseling, debt management or settlement, personal finance budgeting, and wealth and resource planning. It also provides credit education and financial guidance to lower monthly expenses, adjust spending patterns, and achieve financial freedom. Its experts help clients create a monthly spending budget and long-term financial plan. The business was founded in 2006.

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.
4.7
Google
4.8 / 5 (23)
Facebook
4.5 / 5 (13)

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
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

How long does a repo stay on your credit report?

A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

Do credit repair companies work?

Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

How long does it take to repair credit?

Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

  • Inaccurate late payment: 30-45 days
  • Inaccurate missed payment: 30-45 days
  • Numerous issues from multiple creditors: A few months
  • Fraud or identity theft: Several months to a year or more
  • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process

Can I repair my own credit?

Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

Can credit repair companies remove charge offs?

Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

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.

Can a credit repair company remove late payments?

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.

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.

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.

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