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Best Credit Repair Companies in Livermore, CA

Our Recommended Top 5

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 Livermore 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.



5Top Picks

Learn about our selection process.


featured provider = Featured Provider

Livermore, 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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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 Restoration
  • Credit Audit
  • Credit building
  • Money Back Guarantee
  • Credit Repair
Lexington Law logo


Livermore, CA
Free Credit Report Consultation Rating

Review Sources

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

1721 Broadway STE 201, Oakland, CA 94612 Rating

Review Sources

4.9 (50)

Why choose this provider?

Bay Area WAV Inc. caters to debtors in Livermore who need their credit scores repaired. The firm offers counseling and coaching services and educates customers on the best practices when it comes to growing their financial or business assets. It also teaches clients how to remedy their credit scores and dispute inaccurate entries. CEO Nicole Scott has had issues with her solvency in the past, leading her to assemble her team in 2019 to share what she's learned.

  • Credit Monitoring

3230 Fruitvale Ave, Oakland, CA 94602 Rating

Review Sources

4.6 (45)
4.5 (19)

Why choose this provider?

760 Credit is a company serving Livermore and nearby locations. Its 12-point credit accelerator system involves looking into clients' credit history and retrieving their public records from LexisNexis and their banking data from ChexSystems. It also entails identifying negative report items such as tax liens and foreclosures and sending dispute letters that are designed to trigger credit bureaus’ automated system codes. The firm works with consumer attorneys in addressing violations made by creditors, collection agencies, and credit bureaus.

  • Debt Consolidation
  • Credit Monitoring

6701 Koll Center Pkwy Suite 250, Pleasanton, CA 94566 Rating

Review Sources

5.0 (4)
5.0 (3)

Why choose this provider?

Bluestar Credit Services has been serving clients in Livermore and nearby areas since 2020. Its team offers a wide range of services, from credit analysis and refining to personal credit consulting and lender advisory. The company offers a full analysis to assist in identifying the deficiencies in a borrower's credit report. It also provides advice on how to improve a bad credit score. Bluestar Credit Services caters to small start-ups, midsize companies, and even large multinational corporations.

  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Livermore, CAFree Credit Evaluation
Lexington Law
Livermore, CAFree Credit Report Consultation
Bay Area WAV Inc
1721 Broadway STE 201, Oakland, CA 94612
760 Credit
3230 Fruitvale Ave, Oakland, CA 94602
Bluestar Credit Services
6701 Koll Center Pkwy Suite 250, Pleasanton, CA 94566


  • 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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