Best Credit Repair Companies in Union City

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Credit Repair Companies FAQs

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Approve My Score logo
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Approve My Score

25125 Santa Clara St, Ste E330, Hayward, CA 94544
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  • Credit Dispute

Business Description

Approve My Score helps people in Union City and the surrounding areas get their credit back on track. The company employs a five-step credit repair process in dealing with high-interest rates and denials. It includes reviewing its clients’ credit reports and identifying inaccurate information and unverifiable data. It builds custom dispute strategies and handles the negotiations with the original creditors, collectors, and reporting agencies. In addition, it helps clients settle their student loans through strategies like debt consolidation.

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 (49)
Facebook
5.0 / 5 (13)

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
Grapevine Financial logo
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Grapevine Financial

San Leandro, CA 94577
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  • Credit Audit
  • Credit Dispute

Business Description

Grapevine Financial caters to customers in the Union City metro and the surrounding communities. It offers credit repair services, helping individuals get back their financial life. Its process involves reviewing the clients' credit profiles, creating personalized plans, and challenging the three credit bureaus for inaccurate data. It provides continuous correction of credit discrepancies and assists in building positive credit. Some of the negative items it removes are collections, late payments, and public records. Grapevine Financial also deals with debt settlement.

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 (13)

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
Pinnacle Credit Repair logo
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Pinnacle Credit Repair

3790 El Camino Real, Palo Alto, CA 94306
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  • Credit Dispute
  • Debt Consolidation
  • Credit Monitoring

Business Description

Pinnacle Credit Repair is a consumer advocacy firm that serves individuals in Union City. It helps clients repair and restore their credit scores. It uses an AI system to analyze the clients' credit reports and understand how to repair their credit fast. The company removes negative items from their credit files, including tax liens, medical bills, late payments, evictions, repossessions, and collections. It also uses a special federal procedure to get the deletions in as little as 15 days.

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.
4.3
Google
4.5 / 5 (44)
Facebook
3.7 / 5 (12)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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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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