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Best Credit Repair Companies in Hayward

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Accelerated Credit Solutions logo

Accelerated Credit Solutions

675 Ygnacio Valley Road, Walnut Creek, CA 94596
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  • Credit Audit

Accelerated Credit Solution provides credit repair, business credit solutions, and credit restoration services in Hayward. The company has years of experience in providing client credit analysis, custom plans, and recommendations. Its credit specialists provide one-on-one client services, and they educate its consumers to help them understand and maintain a good credit standing, as well as prevent them from getting a poor credit standing. It also offers repair programs designed to address the different credit repair needs of the clients.

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Approve My Score logo

Approve My Score

Hayward, CA 94544
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  • Credit Audit

Approve My Score provides credit repair services to Hayward-based individuals. The company's team of specialists offer credit restoration programs to improve credit score. Its five-step credit repair process involves reviewing and examining credit reports to identify any inaccurate information that resulted in a low credit score. The team assists clients in filing disputes with the collectors, credit reporting agencies, and original creditors for unidentifiable and incomplete details on the report. Additionally, they have retirement planning and life insurance products.

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B A Credit Repair logo

B A Credit Repair

388 Santana Row, San Jose, CA 95128
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  • Credit Monitoring

B A Credit Repair serves the Hayward community through credit counseling, personal or business credit repair, and loan assistance. It offers evaluations and financial planning services aimed to improve clients' credit standings and support financial independence. The company also has financial advisors helping individuals and business owners with low credit scores obtain loans. It has over 30 years of industry experience and has clientele in areas such as Atherton Town, Burbank, Los Altos Hills Town, Scotts Valley, and Soquel.

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Bay Area Credit Repair logo

Bay Area Credit Repair

2959 South Winchester Boulevard, Campbell, CA 95008
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  • Credit Dispute

Bay Area Credit Repair operates in and around Campbell, including Hayward. Using over 30 years of industry experience, the company helps clients improve their credit profiles by reviewing their credit reports for errors and inaccurately reported items. Its staff coordinates with clients to investigate these errors and sends letters disputing them to the major credit bureaus. In addition, Bay Area Credit Repair also works with clients to improve their credit profiles by adding trade lines.

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Credit Repair logo

Credit Repair

455 Hickey Boulevard, Daly City, CA 94015
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  • Credit Dispute

Credit Repair's team of credit repair professionals aims to provide the residents of Hayward with comprehensive services to help them rebuild their credit. The company provides an in-depth credit report analysis from a specialist and recommends solutions to help clients boost their credit scores. Credit Repair also helps its clients get approved for loans and car or home purchases. Additionally, the company helps clients get approved for credit cards with lower interest rates and refinancing with manageable interest rates.

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F.I. Tax Credit Financial Services logo

F.I. Tax Credit Financial Services

2162 E 14th St, San Leandro, CA 94577
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Located in San Leandro, F.I. Tax Credit Financial Services is a credit repair company catering to Californians in Hayward and the Greater San Francisco Bay area. It provides complete credit restoration and monitoring solutions and offers credit repair packages ranging from three to nine months worth of services. It also offers other financial solutions such as tax preparation and consulting, tax and financial management coaching, and business planning education. F.I. Tax Credit Financial Services was founded by Angel Armstrong.

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Grapevine Financial logo

Grapevine Financial

14744 Washington Avenue, San Leandro, CA 94578
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  • Credit Audit
  • Credit Dispute

Grapevine Financial is a local credit repair and restoration firm that serves individuals in Hayward and the surrounding areas. Its credit counselors assist clients in improving their credit scores by reviewing their credit records and legally disputing inaccurate, erroneous, and obsolete information from credit profiles. After scores have improved, the firm continues to monitor and update clients so that they can be more empowered to maintain their good credit standing. The company has more than a decade of experience in repairing credit histories.

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Keypoint Credit Services LLC. logo

Keypoint Credit Services LLC.

39120 Argonaut Way, Fremont, CA 94538
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  • Credit Monitoring

Keypoint Credit Services LLC is a credit repair company serving Hayward and the surrounding areas. It helps individuals and companies improve their credit scores by reviewing incorrect information included in credit reports published by credit bureaus. The company assists clients in disputing these details and removing any unverifiable information from those reports, improving their credit profiles. Keypoint Credit Services has a 24/7 online portal where clients can view their accounts and monitor their progress.

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San Francisco Credit logo

San Francisco Credit

1390 Market Street, San Francisco, CA 94102
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  • Debt Consolidation

San Francisco Credit is a credit repair company in the city that serves Hayward and the surrounding areas. The firm specializes in helping clients improve their credit scores through debt elimination and settlement services. It uses FDCPA and FCRA laws to fix erroneous details on credit reports. The company also works with attorneys to help sue for debt collection violations. San Francisco Credit carries several packages depending on clients' needs. Services include bankruptcy repair, inquiry removal, and charge-offs removal.

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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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