Best Credit Repair Companies in San Ramon

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BlueStar Credit Services logo
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BlueStar Credit Services

6701 Koll Center Pkwy, Suite 250, Pleasanton, CA 94566
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  • Credit Monitoring

Business Description

BlueStar Credit Services supports San Ramon customers in improving their trustworthiness in order to obtain loan approvals. Its members draw on their combined three decades of experience in developing ways for removing negative information from a consumer's credit report. Its staff members deliver realistic score estimates and timelines based on the unique objectives of its customers. They also offer advice to clients referred by small and large lenders. BlueStar Credit Services has assisted over 5,000 clients and evaluated over 20,000 reports in its years of existence.

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)
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
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BlueStar Credit Services

Scorewell logo
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Scorewell

111 Deerwood Rd., Ste. 200, San Ramon, CA 94583
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  • Credit Monitoring

Business Description

Scorewell helps residents of San Ramon improve their credit scores and strengthen their financial picture. The credit repair company works to eliminate inaccuracies and identify opportunities for improving positive elements on a client's credit report. Its team counsels customers on their credit situation, discusses factors that determine their scores, and recommends strategies to improve their standing. The firm also holds credit health workshops and credit monitoring services. Scorewell's credit repairs specialists have over 20 years of combined experience in the industry.

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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Scorewell

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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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