Best Credit Repair Companies in Richmond


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388 Market Street, Suite 1300, San Francisco, CA 94111
  • Credit Monitoring
  • Debt Consolidation

Why choose this provider?

The 850 League is a credit repair company that helps Richmond residents in improving their financial situation. It provides financial rebuilding solutions such as debt and credit counseling, debt consolidation, bankruptcy assistance, and credit building for those with no bad history. Its financial consultants assist clients with every step of the process, from consultation and credit report analysis to management plan creation and credit education. The 850 League also offers guidance to small businesses regarding government loan programs.


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 / 5 (4)

2162 E. 14th Street, San Leandro, CA 94577
  • Credit Dispute

Why choose this provider?

F.I. Tax Credit Financial Services serves personal and business clients in Richmond and the surrounding areas. It offers credit repair services to help clients get their credit scores back on track. It assists with tax preparation and filing, including consultations and tax classes. The company also works with business owners through a coaching call to share tools and strategies for business growth. The business, established by Angel Armstrong, provides mobile, online, and late-night financial services.


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 / 5 (15)


We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

​2001 Addison Street, Berkeley, CA 94704
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

His Majesty Credit Solutions assists Richmond clients in improving their credit scores. Its staff members file disputes with creditors and credit bureaus in order to correct, validate, or update questionable entries on their clients' credit reports. They work on accounts such as old addresses, student loans, late payments, and inquiries that reduce a client's creditworthiness. They prepare documents and submit them to the appropriate agencies. The team also offers credit education to teach customers how to develop good habits for maintaining good financial standing.

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.