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Best Credit Repair Companies in Daly City, CA

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Daly City Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



6Top Picks

Learn about our selection process.


featured provider = Featured Provider

Daly City, CA Rating

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

  • Credit Audit
  • Credit Repair
  • Credit building
  • Money Back Guarantee
  • Credit Restoration
Lexington Law logo


Daly City, CA
Free Credit Report Consultation Rating

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

  • Credit Repair
  • Consumer Credit Services

3230 Fruitvale Ave,, Oakland, CA 94602 Rating

Review Sources

4.6 (45)
4.5 (19)

Why choose this provider?

760 Credit caters to individuals and businesses across Daly City and its surrounding communities. It offers credit repair services, helping those who are usually being offered interest rates that are too high or turned down for financing. It creates customized letters of dispute for its clients and assists clients with monitoring their credit and updating their credit reports. It utilizes a 12-point credit accelerator system to help clients increase their credit scores. The company also offers credit analysis and business credit services.

  • Debt Consolidation

3240 South White Road, Suite 232, San Jose, CA 95148 Rating

Why choose this provider?

Credit Repair Bay Area caters to individuals, families, and businesses in the Daly City metro and the surrounding communities. It helps clients improve and build their credit scores by offering repair solutions. It analyzes the customers' credit reports and disputes negative items, such as charge-offs, collections, foreclosures, judgments, late payments, and tax liens. The company has been in operation for over 19 years. Rick Jackson, the owner, is a member of the National Association of Credit Services Organizations.

  • Debt Consolidation

1 Sansome Street 35th Floor, San Francisco, CA 94104 Rating

Review Sources

4.8 (35)
4.8 (21)

Why choose this provider?

Founded in 2009, E Fix Credit Solutions serves contractors, business owners, and families throughout Daly City. The firm offers a credit repair program that involves credit building and enhancement and credit restoration. It helps business owners build their corporate credit rating by branding and marketing, establishing Employer Identification Number (EIN), maintaining Dun and Brad Street Business Credit Reporting, creating a website, and providing a virtual address. In addition, E Fix Credit Solutions educates clients on how to maximize their credit capabilities.

  • Credit Monitoring
  • Debt Consolidation

1141 Capuchino Ave., #1995, Burlingame, CA 94010 Rating

Why choose this provider?

New Credit offers concierge credit services for employee benefit plans and small to large organizations, which include defending their credit statuses from threats. The company serves Daly City and the surrounding areas. Its team of professionals removes inaccurate or negative items on clients' credit reports while also improving their credit scores. Its group challenges credit report items based on state and federal consumer protection laws and saves clients from exploitation from debt collectors and bankruptcy attorneys.

  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Daly City, CAFree Credit Evaluation
Lexington Law
Daly City, CAFree Credit Report Consultation
760 Credit
3230 Fruitvale Ave,, Oakland, CA 94602
Credit Repair Bay Area
3240 South White Road, Suite 232, San Jose, CA 95148
E Fix Credit Solutions
1 Sansome Street 35th Floor, San Francisco, CA 94104
New Credit
1141 Capuchino Ave., #1995, Burlingame, CA 94010


  • How long does a repo stay on your credit report?

    A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

  • Do credit repair companies work?

    Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

  • How long does it take to repair credit?

    Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

    • Inaccurate late payment: 30-45 days
    • Inaccurate missed payment: 30-45 days
    • Numerous issues from multiple creditors: A few months
    • Fraud or identity theft: Several months to a year or more
    • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process
  • Can I repair my own credit?

    Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

  • Can credit repair companies remove charge offs?

    Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

  • 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.

  • Can a credit repair company remove late payments?

    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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