Best Credit Repair Companies in Sunnyvale

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Accelerated Credit Solutions logo

Accelerated Credit Solutions

675 Ygnacio Valley Road, Walnut Creek, CA 94596
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  • Debt Consolidation

Accelerated Credit Solutions offers personalized credit repair services to clients in Sunnyvale and the surrounding areas. It starts by carefully evaluating an individual's credit report and looking for any irregularities or inconsistent accounts. Afterward, the company files a dispute with the corresponding credit bureaus, challenging any incorrect information. Accelerated Credit Solutions then removes items from the credit reports following consumer laws like FCRA, HIPAA, and FCBA. Additionally, clients can review the progress through the company's website or attend credit education programs.

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Ameriquest Credit Network logo

Ameriquest Credit Network

3201 Skyway Court, Fremont, CA 94539
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  • Credit Monitoring
  • Credit Dispute

Ameriquest Credit Network is a business that helps customers in Sunnyvale establish good credit scores. It helps in rebuilding, repairing, and raising its customers' credit scores. The company also has different programs such as solar, auto, home, motorcycle, and boat purchasing. With a goal to help its customers gain their financial status back, its team provides continuous education on how customers can improve their credit scores. The team also handles debt settlements and deals with debt collectors.

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ASAP Credit Repair logo

ASAP Credit Repair

123 East San Carlos Street, San Jose, CA 95112
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  • Debt Consolidation

ASAP Credit Repair is a business that provides credit consulting and management solutions for clients across the Sunnyvale area. It offers different credit repair services, like analyzing credit reports, disputing unnecessary and inaccurate credit information, and restoring credit scores. It can also remove damaging credit information from credit fraud, foreclosures, and public records. In addition, ASAP Credit Repair deals with credit education. It has resources on subjects like fraud detection and avoidance, insurance options, and employment history.

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Bay Area Credit Repair logo

Bay Area Credit Repair

2959 South Winchester Boulevard, Campbell, CA 95008
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  • Credit Audit

Established in 2015, Bay Area Credit Repair is a company that helps Sunnyvale customers improve their credit scores. It provides financial education and credit counseling services to clients who would want to take the first step in repairing their credit scores. The business also offers credit card repair and restoration, as well as business and financial consultation services. One customer has thanked the company for having a professional service for helping him improve his credit score even with bankruptcy.

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Key Point Credit Services LLC. logo

Key Point Credit Services LLC.

39120 Argonaut Way, Fremont, CA 94538
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  • Credit Dispute

KeyPoint Credit Services LLC is a credit restoration firm serving clients in Sunnyvale and the surrounding areas since 2010. It employs a four-step process that includes initial consultation and credit report review, agreement signing, working with credit bureaus, and live progress report monitoring. It handles various credit report issues, including ChexSystems and EarlyWarnings removal. KeyPoint Credit Services is staffed by a team of credit specialists with more than 50 years of combined experience in the credit repair and finance industries.

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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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