Best Credit Repair Companies in Mountain View

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B A Credit Repair logo

B A Credit Repair

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

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.

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Bay Area Credit Repair logo

Bay Area Credit Repair

2959 Winchester Blvd 201, Campbell, CA 95008
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  • Credit Monitoring

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.

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Bay Area Credit Repair logo

Bay Area Credit Repair

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

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.

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Bay Area Credit Repair logo

Bay Area Credit Repair

Mountain View, CA
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  • Credit Monitoring

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.

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Credit Repair Bay Area logo

Credit Repair Bay Area

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

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.

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DeSouza Credit Services logo

DeSouza Credit Services

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

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.

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Pinnacle Credit Repair logo

Pinnacle Credit Repair

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

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.

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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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