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Best Credit Repair Companies in Mountain View

2023

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

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

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

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
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Lexington Law

Website
Mountain View, CA
  • Credit Repair
  • Consumer Credit Services

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 (2911)

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
3790 El Camino Real, Palo Alto, CA 94306
  • Credit Audit
  • Credit Monitoring

Why choose this provider?

Pinnacle Credit Repair serves residents of Mountain View and the surrounding areas. The company uses the latest A.I. on its system to analyze credit reports and understand how to repair the client's credit. Its system then avoids the time constraints imposed by credit bureaus by employing a proprietary system known as A.C.A.T. in order to achieve faster results. Pinnacle Credit Repair also employs credit mentors who teach clients credit-building strategies while their credit scores are being fixed.

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 (12)

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
388 Santana Row Suite # 1224, San Jose, CA 95128
  • Credit Dispute

Why choose this provider?

B A Credit Repair caters to the needs of consumers in Mountain View and its surrounding areas. Its team members draw from their 32 years of experience to help clients identify what hurts their financial standing. They take on the job of dealing with respective agencies, like bureaus and creditors, to remove derogatory entries or validate clients' information. They also offer resources to inform consumers about improving their spending habits and restoring positive credit scores.

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
Mountain View, CA
  • Credit Monitoring

Why choose this provider?

Bay Area Credit Repair helps Mountain View residents obtain their desired financial future. The company offers a variety of credit repair solutions, aiding clients in maintaining healthy scores. It examines their reports and identifies negative items, such as fraudulent accounts and identity theft. It also negotiates with the credit bureaus and creditors to have these accounts removed. In addition, it provides clients with 24/7 credit monitoring and alerts so they can keep track of 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.
4.1
Google
4.1 / 5 (9)

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
3240 South White Road, Suite 232, San Jose, CA 95148
  • Credit Monitoring

Why choose this provider?

Over the past 19 years, Credit Repair Bay Area has helped thousands of individuals, families, and businesses in Mountain View gain control of their finances. The agency provides credit repair, restoration, and growth services that help clients improve and build their credit scores. Its team takes care of disputing negative items like late payments, collections, tax liens, foreclosures, and charge-offs from clients' credit reports. Owner Rick Jackson is an FCRA Certified Consultant and a member of the National Association of Credit Services.

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 (13)
Yelp
5.0 / 5 (9)

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 Apt 1224, San Jose, CA 95128
  • Credit Dispute

Why choose this provider?

Bay Area Credit Repair serves individuals and business owners in Mountain View. It offers personal credit repair and customized debt reduction options to help clients looking to apply for a loan or consolidate debt. It provides counseling services to help maintain and improve credit scores and financial standing as needed. The company also assists with loans for personal needs, businesses, and mortgages and helps create credit-ready shelf corporations. The company has over 38 years 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.
4.3
Google
4.3 / 5 (12)

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 Winchester Blvd 201, Campbell, CA 95008
  • Credit Monitoring

Why choose this provider?

Bay Area Credit Repair is a family-owned business serving clients in Mountain View and the surrounding areas. It provides 24/7 solutions for individual and business credit repair to help clients plan and manage their finances. Its team of professionals maintains open communication about the progress of a client's case by conducting initial consultations and providing reports from credit agencies. The credit repair process involves acquiring files from Experian, TransUnion, and Equifax to remove negative information on clients' credit history.

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
Google
4.3 / 5 (12)

Website
530 Lytton Ave 2nd Floor, Palo Alto, CA 94301
  • Credit Monitoring

Why choose this provider?

DeSouza Credit Services caters to Mountain View residents, business owners, and entrepreneurs. It helps clients improve their credit profile and FICO scores. Its staff disputes inaccurate items on clients' credit reports, including those due to identity theft. It connects with creditors and credit reporting agencies to have these items corrected or removed. CEO Mark Desouza is a Certified FICO Professional. He has 20 years of collective experience in the financial industry and government.

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
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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.

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