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Best Credit Repair Companies in Salinas

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, Salinas, CA 95008
Salinas, CA 95008
  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Bay Area Credit Repair serves the residents of Salinas, Campbell, and the neighboring cities. It helps clients suffering from bad credit repair and re-establish their credit rating. The company offers credit counseling services, educating clients on best practices that can help them improve or maintain a good credit score. Additionally, the company reviews an individual's credit report and disputes any incorrect information, legally removing it if credit bureaus cannot verify it. Bay Area Credit Repair also offers loan brokerage and business and financial consulting services.

, Salinas, CA 95008
Salinas, CA 95008

Website(408) 214-2269

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

4.5 / 5 ( Best)

Total Reviews:

8 (Good)

Score Consistency:

Consistent (Best)

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

Responsiveness: A+

Friendliness: A+

Helpfulness: B+

Detail: --

6203 San Ignacio Avenue, San Jose, CA 95119
San Jose, CA 95119
Instagram
  • Credit Monitoring

Mister Credit Clean is a credit repair company that serves clients in Salinas and the surrounding areas. It works in a five-step process which includes credit report pulls, deep credit analysis, challenging questionable report items, report updates, and credit restoration. As part of the services, clients will receive education on all aspects of improving their credit scores, debt settlements, as well as rebuilding their credits. Mister Credit Clean has been in the business since 1991.

6203 San Ignacio Avenue, San Jose, CA 95119
San Jose, CA 95119

InstagramWebsite(408) 752-1800

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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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

2 (Good)

Score Consistency:

Consistent (Best)

7660 Monterey Road, Gilroy, CA 95020
Gilroy, CA 95020
Instagram
  • Debt Consolidation

Silicon Valley Credit Repair is a business that cleans up the unhealthy credit of its customers in Salinas. The company has more than 20 years of experience in credit repair. It has been challenging credit reporting agencies on behalf of its clients and has extensive knowledge in credit repair, bankruptcy, real estate, and consumer law. As a full-service credit repair company, it assists them in understanding their payment history, credit history, outstanding debt, and type of credit used.

7660 Monterey Road, Gilroy, CA 95020
Gilroy, CA 95020

InstagramWebsite(888) 720-9878

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.4 / 5 ( Best)

Total Reviews:

75 (Best)

Score Consistency:

Consistent (Best)

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

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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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