Expertise.com
2024

Last updated:

Best Credit Repair Companies in San Jose

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored San Jose Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

674

Reviewed

408

Curated

11

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
San Jose, CA
  • Credit Audit
  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Repair

Why choose this provider?

With more than a decade of expertise, Credit Saint offers credit repair and rebuilding services in San Jose. The company provides a credit monitoring account for consumers and reviews their credit history for inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, foreclosures, and repossessions. Credit Saint also counsels clients on how their scores can impact financial activities and on how to utilize a positive report when paying bills or opening credit.

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.
4.8
Google
4.8 / 5 (5317)
Yelp
2.5 / 5 (23)

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
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Credit Evaluation

San Jose, CA

Why choose this provider?

Need help contacting a Credit Repair Company in San Jose? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

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
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free booking service | Call 848.Book.Pro!

Website
745 Distel Dr Ste 118, Los Altos, CA 94022

Why choose this provider?

Better Credit Service USA is a credit counseling service provider that helps residents in the San Jose area to repair, rebuild, and raise their credit scores. The credit consultants offer line-by-line credit report evaluations and establish a credit repair plan to remove incorrect items per FCRA, HIPAA, FCBA, and other consumer laws. They communicate with creditors in cases of harassment and assist with collections, public records, foreclosures, and late payments. The firm also handles tax liens, bankruptcies, inquiries, short sales, and student and auto loans. Better Credit Service USA employs electronic credit repair processing for faster service.

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.
4.7
Yelp
4.5 / 5 (10)
Facebook
5.0 / 5 (8)

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
96 N 3rd St # 605, San Jose, CA 95112

Why choose this provider?

Continental Credit Repair is a national credit repair company in San Jose. Its certified credit professionals work with clients to devise action plans to improve their credit profiles. They assist with removing inaccurate negative items from credit reports following line-by-line credit reviews, and they communicate directly with the three credit reporting agencies. The credit counselors provide credit education and financial advice at each stage of the restoration process to help with better credit management. Continental Credit Repair has a state-of-the-art web-based software system that allows consumers to keep track of their file progress 24/7.

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.
4.2
Google
4.5 / 5 (24)
Yelp
1.5 / 5 (3)

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
1172 Murphy Ave Ste 208, San Jose, CA 95131

Why choose this provider?

Founded in 2010, Credit Repair Bay Area offers custom-tailored credit repair services to meet the financial needs of families and individuals in San Jose and nearby areas. The firm adds good credit and repairs poor credit to increase clients' chances of securing a student, car, home, or personal loan in the future. It assists with identifying erroneous negative information on credit reports and launches the credit restoration process through its credit repair program. The credit specialists handle late payments, collections, tax liens, foreclosures, and judgments. Credit Repair Bay Area also offers credit counseling and personal financial builder program 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
Google
5.0 / 5 (13)
Yelp
5.0 / 5 (9)

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
123 E San Carlos St Unit #9, San Jose, CA 95112
  • Credit Dispute

Why choose this provider?

ASAP Credit Repair is a family-owned and operated credit repair and restoration firm that serves individuals in San Jose and the surrounding areas. Founded in 1998, its credit counselors assist clients by helping remove the inaccurate or unfair negative items listed on their credit reports. This includes deleting credit records from bankruptcy, late payments, repossessions, foreclosures, and charge-offs. Additionally, ASAP Credit Repair educates its clients on the basics of credit, so they can be empowered to maintain their good credit standing.

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.
4.6
Facebook
4.6 / 5 (259)
Yelp
5.0 / 5 (4)

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
7660 Monterey Rd #202, Gilroy, CA 95020
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

Silicon Valley Credit Repair serves individuals in San Jose and the surrounding areas. The company assists its clients in improving their credit scores through outstanding debt collection assistance and debt settlement. They also deal with bankruptcies, fraud and identity theft, repossessions, and late payments. Silicon Valley Credit Repair has been challenging and analyzing credit reports for more than 20 years. Its founder and CEO, Jina Carranza, is an active member of the community and a co-founder of the Gilroy Blessing Box.

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.
4.6
Facebook
4.8 / 5 (41)
Yelp
4.2 / 5 (32)
Google
5.0 / 5 (6)

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
2959 Winchester Blvd #201, Campbell, CA 95008

Why choose this provider?

B A Credit Repair assists individuals and businesses in San Jose and the surrounding areas. Backed by more than 30 years of industry experience, it offers credit repair and counseling services that aid clients in becoming financially independent. Its team of credit repair specialists also crafts plans that help businesses restore credit. The company also provides assistance in obtaining personal and business loans. B A Credit Repair offers special accommodations for married couples.

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
311 Judah Street Suite 200, San Jose, CA 95678
  • Debt Consolidation

Why choose this provider?

Blue Water Credit caters to clients in San Jose and the surrounding areas. It offers credit repair and rehabilitation services to help clients obtain the standard score through evaluation check, repair plan, and progress tracking. In addition, it provides debt settlement to manage the individuals' charge-off accounts, judgements, second mortgages, and collections to maximize opportunities for borrowing money. Its referral partners include Realtors and loan officers. Blue Water Credit has been serving clients for more than a decade.

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.
4.8
Google
4.9 / 5 (292)
Yelp
4.5 / 5 (145)
Facebook
5.0 / 5 (8)

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
1 S Orange Ave Ste 502, Orlando, FL 32801

Why choose this provider?

Credit Advisors Council is a credit repair company that helps residents in San Jose improve their credit and make reparations to existing credit reports. It corrects inaccurate, outdated, or unverified items that appear on credit reports. The firm helps individuals learn the causes of bad credit and how to challenge credit problems. It handles late payments, collections, and hounding by creditors. The agency also assists victims of identity theft. Other services include loan consolidation and forgiveness as well as credit building. Clients also benefit from personalized money and debt management plans to improve their financial standing.

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
Google
5.0 / 5 (3)

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
2055 Junction Ave Ste 115, San Jose, CA 95131
  • Debt Consolidation

Why choose this provider?

Roundleaf is a credit repair company in San Jose that has been helping individuals achieve their financial goals since 2006. The company's credit professionals analyze credit and debt portfolios and develop debt management and consolidation plans to restore good credit. The staff also creates personal budgeting plans to expedite the credit score improvement process. Through the agency's credit education and guidance programs, clients can access information on maintaining good credit health. The agency offers wealth and resource planning services that assist with capital preservation and the creation of financial strategies to ensure wealth restoration.

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.
4.5
Yelp
4.5 / 5 (161)

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
Responsiveness
Friendliness
Helpfulness
Detail

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.

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