Best Credit Repair Companies in Napa


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760 Credit logo

760 Credit

3230 Fruitvale Ave, Oakland, CA 94602
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  • Credit Monitoring
  • Credit Dispute

760 Credit caters to individuals and business owners in Napa who are in need of credit repair services. The company uses its extensive knowledge of consumer protection laws to enforce its clients' legal rights and sends dispute letters to credit bureaus. It helps resolve disputes with creditors and remove inaccurate personal information, reporting errors, tax liens, collections, and foreclosures. 760 Credit also assists clients in building their business credit and activating their credit profiles with Experian and Equifax Commercial.

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Bay Area Credit Repair logo

Bay Area Credit Repair

Napa, CA
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  • Credit Monitoring

Bay Area Credit Repair helps improve the credit scores of Napa residents by upholding the legal right for their credit reports to be accurate and substantiated. Its team identifies inaccurate and negative items on the client's credit reports. It files formal disputes with the creditor and credit bureaus to have these items removed resulting in increased credit scores. The company also helps repair bad credit caused by identity theft. Clients receive live updates of changes on their credit profiles through its 24/7 credit monitoring system.

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DMI Financial Solutions logo

DMI Financial Solutions

3069 Alamo Dr Suite 1107, Vacaville, CA 95687
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  • Debt Consolidation

DMI Financial Solutions serves clients in Napa and the surrounding communities. Its team provides a variety of services, including consultation, credit education, and audit reports, as well as credit repairs, monthly reviews, and credit building. It was featured in a Yahoo! article titled 'DMI Financial Solutions Helping Clients Improve Financial Standing with Proven Strategies.' The firm also has a portal and a private Facebook group where clients can monitor the progress of their files 24/7.

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On-Trak Credit Solutions logo

On-Trak Credit Solutions

4040 Civic Center Drive Suite 200, San Rafael, CA 94903
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  • Credit Monitoring

On-Trak Credit Solutions works with people in Napa to help improve their credit scores. Its members examine consumer reports for suspicious entries such as payment history, the amount owed, and the length or type of credit used. They prepare documents and dispute letters to be sent to appropriate agencies in order to contest negative items such as bankruptcies and tax liens. Services like coaching, monitoring, and consulting are also available. In addition, the team provides educational resources on how to rebuild and maintain good credit.

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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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