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Best Credit Repair Companies in Livermore

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760 Credit logo

760 Credit

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

760 Credit is a company serving Livermore and nearby locations. Its 12-point credit accelerator system involves looking into clients' credit history and retrieving their public records from LexisNexis and their banking data from ChexSystems. It also entails identifying negative report items such as tax liens and foreclosures and sending dispute letters that are designed to trigger credit bureaus’ automated system codes. The firm works with consumer attorneys in addressing violations made by creditors, collection agencies, and credit bureaus.

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Bay Area WAV Inc logo

Bay Area WAV Inc

1721 Broadway STE 201, Oakland, CA 94612
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  • Credit Monitoring

Bay Area WAV Inc. caters to debtors in Livermore who need their credit scores repaired. The firm offers counseling and coaching services and educates customers on the best practices when it comes to growing their financial or business assets. It also teaches clients how to remedy their credit scores and dispute inaccurate entries. CEO Nicole Scott has had issues with her solvency in the past, leading her to assemble her team in 2019 to share what she's learned.

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Bluestar Credit Services logo

Bluestar Credit Services

6701 Koll Center Pkwy Suite 250, Pleasanton, CA 94566
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  • Credit Monitoring

Bluestar Credit Services has been serving clients in Livermore and nearby areas since 2020. Its team offers a wide range of services, from credit analysis and refining to personal credit consulting and lender advisory. The company offers a full analysis to assist in identifying the deficiencies in a borrower's credit report. It also provides advice on how to improve a bad credit score. Bluestar Credit Services caters to small start-ups, midsize companies, and even large multinational corporations.

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Credit Advisors Council-Credit Repair Stockton logo

Credit Advisors Council-Credit Repair Stockton

1407 West Fremont Street, Stockton, CA 95203
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  • Credit Monitoring

Credit Advisors Council - Credit Repair Stockton provides financial assistance to individuals in Livermore and nearby areas. It offers credit and debt counseling to evaluate a client's current finance-related challenges. It has credit repair and financial literacy services that help with debt settlement and student loan consolidation to build and maintain a good credit score. The company also assists with identity theft matters. One client related a story about how the firm helped increase their credit score to qualify for an FHA loan.

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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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