Expertise.com

Best Credit Repair Companies in San Jose

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Credit Repair Companies FAQs

Learn more
San Jose, CASan Jose, CA

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a credit monitoring account for consumers and reviews their credit history for inaccurate, incomplete, unverified, and outdated information.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.

San Jose, CASan Jose, CA

Website(857) 800-9418

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:

4.8 / 5 ( Best)

Total Reviews:

4092 (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+

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

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.

2055 Junction Ave Ste 115, San Jose, CA 95131
San Jose, CA 95131

InstagramWebsite(408) 560-4425

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:

2 (Better)

Average Review Score:

4.7 / 5 ( Best)

Total Reviews:

36 (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+

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

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.

123 E San Carlos St Unit #9, San Jose, CA 95112
San Jose, CA 95112

InstagramWebsite(408) 664-9295

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:

2 (Better)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

1505 (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+

2959 Winchester Blvd #201, Campbell, CA 95008
Campbell, CA 95008

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.

2959 Winchester Blvd #201, Campbell, CA 95008
Campbell, CA 95008

Website(408) 442-7711

Show Number

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: --

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

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.

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

Website(408) 655-4235

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:

2 (Better)

Average Review Score:

4.7 / 5 ( Best)

Total Reviews:

18 (Better)

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+

, San Jose, CA 95678
San Jose, CA 95678
Instagram
  • Debt Consolidation

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.

, San Jose, CA 95678
San Jose, CA 95678

InstagramWebsite(916) 315-9190

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:

2 (Better)

Average Review Score:

4.5 / 5 ( Best)

Total Reviews:

148 (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+

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

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.

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

Website(408) 275-2806

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:

2 (Better)

Average Review Score:

4.2 / 5 ( Best)

Total Reviews:

27 (Best)

Score Consistency:

Variable (Good)

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+

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

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.

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

Website(408) 684-8180

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:

5 / 5 ( Best)

Total Reviews:

3 (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: A+

Detail: A+

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

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.

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

Website(408) 293-8000

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:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

22 (Better)

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+

1735 N 1st St Ste 100B, San Jose, CA 95112
San Jose, CA 95112

The Financial Relief Center is a credit repair agency in San Jose. As part of its resolution program, the company's advisors help clients remove negative items from their credit report. In this program, alongside its debt settlement service, Financial Relief Center's experts provide an in-depth credit examination and consultation and use this information to devise a comprehensive financial plan that can help clients budget for debt relief and ultimately increase their credit score. In addition to credit repair and debt relief, the company also assists clients with refinancing and bankruptcy.

1735 N 1st St Ste 100B, San Jose, CA 95112
San Jose, CA 95112

Website(408) 437-1082

Show Number
3790 El Camino Real, Palo Alto, CA 94306
Palo Alto, CA 94306

Pinnacle Credit Management offers credit repair services for clients in San Jose. It analyzes credit reports and customizes a blueprint for credit repair, including a specialized electronic dispute process. The company works with credit bureaus to remove negative and inaccurate information on credit reports while adhering to the FCRA and CROA federal laws. It works to correct inaccuracies involving evictions, foreclosures, short sales, bankruptcy, charge-offs, and collections. The staff provides solutions for tax liens, negative public records, late payments, delinquent medical bills, repossessions, and defaulted student loans. Pinnacle Credit Management's credit mentor also provides credit education and counseling services.

3790 El Camino Real, Palo Alto, CA 94306
Palo Alto, CA 94306

Website(858) 252-6053

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:

5 / 5 ( Best)

Total Reviews:

7 (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: A+

Detail: A+

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

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.

7660 Monterey Rd #202, 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:

1 (Good)

Average Review Score:

4.5 / 5 ( Best)

Total Reviews:

39 (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.

Read All FAQS

Wrong city? Here are some nearby places:

Search for Credit Repair Companies near you