Expertise.com
2024

Last updated:

Best Credit Repair Companies in Hayward

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Hayward Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

119

Reviewed

75

Curated

9

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Hayward, CA
  • Credit Restoration
  • Credit Repair
  • Money Back Guarantee
  • Credit building
  • Credit Audit

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

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 (6792)

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

Price: Free Credit Evaluation

Lexington Law logo
FEATUREDExpertise.com

Lexington Law

Hayward, CA
  • Consumer Credit Services
  • Credit Repair

Why choose this provider?

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 (2892)
Google
4.6 / 5 (383)

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

Price: Free Credit Report Consultation

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

Why choose this provider?

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.

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 (4)

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

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

Why choose this provider?

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.

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 (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

Website
39120 Argonaut Way, Fremont, CA 94538
  • Credit Monitoring

Why choose this provider?

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.

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
Google
4.4 / 5 (17)
Facebook
5.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

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.
4.0

Website
2162 E 14th St, San Leandro, CA 94577

Why choose this provider?

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.

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.
4.0
Facebook
4.0 / 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

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

Why choose this provider?

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.

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Hayward, CA 94544
  • Credit Audit

Why choose this provider?

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.

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 (43)
Facebook
5.0 / 5 (13)
Yelp
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

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.

Related Articles

FeaturedCreditRepair

How To Hire A Credit Repair Company

Credit repair can improve your financial standing. Learn how to find a qualified credit repair expert who helps build up your...