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Best Credit Repair Companies in Santa Clara

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Aditi Enterprise Group Credit Services logo

Aditi Enterprise Group Credit Services

200 Serra Way, Milpitas, CA 95035
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  • Credit Monitoring
  • Credit Dispute

Aditi Enterprise Group Credit Services is a credit repair agency that serves Santa Clara. Its team has over 15 years of combined experience in the industry. It conducts a review of the clients' credit reports and provides tips in rebuilding their credit scores. It then works with the credit bureaus to challenge the questionable items on the report and sends customized re-disputes should the challenged items don't get corrected. Moreover, Aditi Enterprise Group Credit Services has an online system where customers can monitor their progress.

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ASAP Credit Repair Services logo

ASAP Credit Repair Services

123 East San Carlos Street, San Jose, CA 95112
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  • Credit Monitoring

ASAP Credit Repair Services assists clients in Santa Clara in improving and repairing their credit scores. Its credit team addresses personal and business needs with a simplified process and a cloud backup service. These professionals examine the credit report and communicate with major credit bureaus to correct inaccuracies. In addition, the company's representatives remove bankruptcies, charge-offs, collections, inquiries, and foreclosures. They also dispute other items, such as credit fraud, judgments, late payments, and public records.

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Bay Area Credit Repair logo

Bay Area Credit Repair

388 Santana Row, San Jose, CA 95128
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  • Credit Dispute

Bay Area Credit Repair addresses the credit needs of independent professionals and business owners in Santa Clara and nearby areas. The business has been serving the community for over 38 years, assisting clients in optimizing and improving their credit scores by providing customized solutions tailored to suit their needs and situations. It also offers personal and business credit repair, debt reduction, and credit counseling. Bay Area Credit Repair also provides credit-ready shelf corporations services and mortgage loans.

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Credit Repair logo

Credit Repair

Santa Clara, CA
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  • Credit Dispute

Credit Repair in California is a credit repair company that covers first-time and tenured cardholders in Santa Clara. It caters to those with low credit scores and offers to dispute and remove any inaccurate expenses. This includes bankruptcy, repossessions, late payments, student loans, and unpaid debts. The company can provide its customers with credit reports from Equifax, Experian, and TransUnion. It employs multiple credit specialists to educate clients about credit scores and its effect on their interest rates.

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Silicon Valley Credit Repair logo

Silicon Valley Credit Repair

7660 Monterey Road, Gilroy, CA 95020
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  • Credit Dispute

Silicon Valley Credit Repair is a debt management company that serves clients in Santa Clara. It specializes in increasing clients' credit scores by eliminating negative items from their credit records. Its credit staff has more than 20 years of experience in challenging credit report agencies on behalf of clients using bankruptcy and consumer protection laws. Founder Jina Carranza is a member of the Gilroy Chamber of Commerce from 2010-11, and she won the Gilroy Dispatch Best Real Estate Agent award in 2012.

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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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