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2024

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Best Credit Repair Companies in Fremont, CA

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Fremont 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.

173Reviewed

108Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Fremont, CA

Expertise.com Rating

Review Sources

Google
4.8 (10602)
Yelp
2.2 (30)

Why choose this provider?

Credit Saint provides credit repair services around the Fremont area. The company's credit repair experts aim to help clients understand their credit scores and avoid credit issues in the future. They also challenge the entries in their clients' credit files by looking for biased, inaccurate, incomplete, misleading, and unverifiable items that can be removed. They offer different packages, which include services like creditor interventions, inquiry targeting, and challenges to major credit bureaus.

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

Lexington LawExpertise.com

Fremont, CA
Free Credit Report Consultation

Expertise.com Rating

Review Sources

Facebook
4.3 (2911)

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.

  • Consumer Credit Services
  • Credit Repair

745 Distel Dr Ste 118, Los Altos, CA 94022

Expertise.com Rating

Review Sources

Yelp
4.5 (10)
Facebook
5.0 (8)

Why choose this provider?

Founded in 2013, Better Credit USA provides credit repair services in Fremont and surrounding areas. The staff assists in correcting credit records that contain obsolete and inaccurate information or items in violation of consumer protection laws. They request copies of client credit reports and handle removal of derogatory information, including late payments, foreclosures, inquiries, and short sales. The firm also helps resolve problems with collection accounts, bankruptcies, absence of public records, and student and auto loans. It offers legal services such as lien resolution, name change filings, immigration defense, and civil conflict resolution. Better Credit USA is a member of the Los Altos Chamber of Commerce and Women's Networking Alliance.

200 Serra Way, Milpitas, CA 95035

Expertise.com Rating

Review Sources

Yelp
4.5 (7)
Facebook
5.0 (4)
Google
5.0 (1)

Why choose this provider?

AEG Credit Services, a credit consultancy agency, has been serving the financial needs of individuals in Fremont and surrounding areas since 2014. Services cover comprehensive analysis of clients' finances, development of strategies to improve clients' credit scores, filing of unlimited credit disputes to the relevant authorities, loan approval coaching, and unlimited personal inquiry removal. The credit specialists on staff manage numerous credit issues, such as repossessions, foreclosures, and bankruptcies. AEG Credit Services' full-scale online system has score trackers, an email notification system, and scenario analysis that provides clients with real-time updates. The company's credit personnel are certified by the National Coalition of Credit Services Providers.

2162 E. 14th Street, San Leandro, CA 94577

Expertise.com Rating

Why choose this provider?

F.I. Tax Credit Financial Services caters to businesses in the area of Fremont. Its team of tax consultants provides tax planning and preparation services. These include helping arrange the necessary paperwork for the filing of tax returns. The team also offers credit monitoring, repair, and restoration solutions, as well as assistance in business funding. In addition, the company provides coaching services for entrepreneurs who wish to grow or expand their businesses.

  • Debt Consolidation
  • Credit Monitoring

Fremont, CA
Website

Expertise.com Rating

Review Sources

Google
5.0 (16)

Why choose this provider?

Founded in 2009, Optimal Debt Solutions is a full-service credit management company serving Fremont. It helps individuals reduce or eliminate their debts and regain financial freedom through credit repair services. The company employs over 265 debt management advisors who help thousands of debtors each month. Equipped with legal accreditations and years of experience, they have settled more than $1 billion worth of debts caused by job loss, personal loss, and poor investment performance. Optimal Debt Solutions combines money management and debt consolidation strategies.

  • Debt Consolidation

39300 Fremont Blvd, Fremont, CA 94538

Expertise.com Rating

Review Sources

Facebook
4.7 (415)

Why choose this provider?

CreditRepair.com, a credit repair company in Fremont, has provided financial solutions since 2012. The credit experts analyze credit reports and work on finding and addressing inaccurate negative items that affect credit scores, such as negative payment histories and debts. The company works with the three credit bureaus to ensure credit reports are fair and accurate. The team monitors credit scores after the successful removal of derogatory items to address any new issues that may hinder the financial restoration process. CreditRepair.com offers credit score and report coaching, and clients can receive credit report evaluations via phone. Other services include credit improvement and identity theft issues plus debt, loan, and saving education.

2959 S Winchester Blvd #201, Campbell, CA 95008
Website

Expertise.com Rating

Review Sources

Google
1.0 (1)

Why choose this provider?

Bay Area Credit Repair is an insured credit counseling and credit repair business that serves the Fremont area. The company provides assistance in credit repair and restoration. The professionals are up to date on consumer rights laws, and they use this knowledge to validate information on clients' credit reports. Aside from credit repair, the team also offers credit counseling services. Bay Area Credit Repair was founded in 2015. Its team has more than three decades of experience in the industry.

100 Pine Street, San Francisco, CA 94111

Expertise.com Rating

Review Sources

Yelp
5.0 (118)
Google
5.0 (23)

Why choose this provider?

Serving the Fremont area, iMax Credit Repair Firm addresses a wide range of credit report problems. The company removes various items from credit reports such as fraud charges and negative items like foreclosures, repossessions, and charge-offs. The credit repair specialists use credit bureau disputes that directly engage creditors and check their compliance information. They will also demand the deletion of discovered credit reporting violations and file lawsuits when needed. iMax Credit Repair Firm has been in service for 15 years.

96 North 3rd Street, San Jose, CA 95112

Expertise.com Rating

Review Sources

Google
4.7 (23)

Why choose this provider?

Continental Credit Repair is a group of credit repair professionals that provides services in the Fremont metro. The company offers financial advice and services that help fix a client's bad credit score. Its approach starts with a thorough investigation, research, and listing of all existing credits. It has successful cases that have generated an increase of 30 points for its clients. Registration can be done through its online portal, where the process and progress can be viewed 24/7.

2055 Junction Avenue, Suite 115, San Jose, CA 95131

Expertise.com Rating

Review Sources

Google
4.8 (23)
Facebook
4.5 (13)

Why choose this provider?

Roundleaf serves individuals with credit issues in Fremont and the neighboring communities. It assists clients in handling financial matters by offering various services such as credit counseling, debt management or settlement, personal finance budgeting, and wealth and resource planning. It also provides credit education and financial guidance to lower monthly expenses, adjust spending patterns, and achieve financial freedom. Its experts help clients create a monthly spending budget and long-term financial plan. The business was founded in 2006.

  • Debt Consolidation

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Fremont, CAFree Credit Evaluation
Lexington Law
Fremont, CAFree Credit Report Consultation
Better Credit USA
745 Distel Dr Ste 118, Los Altos, CA 94022
AEG Credit Services
200 Serra Way, Milpitas, CA 95035
F.I. Tax Credit Financial Services
2162 E. 14th Street, San Leandro, CA 94577
Optimal Debt Solutions
Fremont, CA
CreditRepair.com
39300 Fremont Blvd, Fremont, CA 94538
Bay Area Credit Repair
2959 S Winchester Blvd #201, Campbell, CA 95008
iMax Credit Repair Firm
100 Pine Street, San Francisco, CA 94111
Continental Credit Repair
96 North 3rd Street, San Jose, CA 95112
Roundleaf
2055 Junction Avenue, Suite 115, San Jose, CA 95131

FAQs

  • 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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