Best Credit Repair Companies in Richmond

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F.I. Tax Credit Financial Services logo
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F.I. Tax Credit Financial Services

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

Business Description

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.

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
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5.0 / 5 (15)

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
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His Majesty Credit Solutions logo
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His Majesty Credit Solutions

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

Business Description

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.

The 850 League logo
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The 850 League

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

Business Description

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.

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
Facebook
5.0 / 5 (4)
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Frequently Asked Questions

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.

How do you repair credit after identity theft?

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.

Is credit repair legal?

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.

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