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Best Credit Repair Companies in Mountain View, CA

Our Recommended Top 7

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 Mountain View 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.



7Top Picks

Learn about our selection process.


featured provider = Featured Provider

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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


Mountain View, 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

3790 El Camino Real, Palo Alto, CA 94306 Rating

Review Sources

4.0 (12)
5.0 (1)

Why choose this provider?

Pinnacle Credit Repair serves residents of Mountain View and the surrounding areas. The company uses the latest A.I. on its system to analyze credit reports and understand how to repair the client's credit. Its system then avoids the time constraints imposed by credit bureaus by employing a proprietary system known as A.C.A.T. in order to achieve faster results. Pinnacle Credit Repair also employs credit mentors who teach clients credit-building strategies while their credit scores are being fixed.

  • Credit Audit
  • Credit Monitoring

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

Review Sources

5.0 (13)
5.0 (9)

Why choose this provider?

Over the past 19 years, Credit Repair Bay Area has helped thousands of individuals, families, and businesses in Mountain View gain control of their finances. The agency provides credit repair, restoration, and growth services that help clients improve and build their credit scores. Its team takes care of disputing negative items like late payments, collections, tax liens, foreclosures, and charge-offs from clients' credit reports. Owner Rick Jackson is an FCRA Certified Consultant and a member of the National Association of Credit Services.

  • Credit Monitoring

2959 Winchester Blvd 201, Campbell, CA 95008 Rating

Review Sources

3.8 (10)
4.6 (5)

Why choose this provider?

Bay Area Credit Repair is a family-owned business serving clients in Mountain View and the surrounding areas. It provides 24/7 solutions for individual and business credit repair to help clients plan and manage their finances. Its team of professionals maintains open communication about the progress of a client's case by conducting initial consultations and providing reports from credit agencies. The credit repair process involves acquiring files from Experian, TransUnion, and Equifax to remove negative information on clients' credit history.

  • Credit Monitoring

530 Lytton Ave 2nd Floor, Palo Alto, CA 94301 Rating

Why choose this provider?

DeSouza Credit Services caters to Mountain View residents, business owners, and entrepreneurs. It helps clients improve their credit profile and FICO scores. Its staff disputes inaccurate items on clients' credit reports, including those due to identity theft. It connects with creditors and credit reporting agencies to have these items corrected or removed. CEO Mark Desouza is a Certified FICO Professional. He has 20 years of collective experience in the financial industry and government.

  • Credit Monitoring

388 Santana Row Suite # 1224, San Jose, CA 95128
Website Rating

Why choose this provider?

B A Credit Repair caters to the needs of consumers in Mountain View and its surrounding areas. Its team members draw from their 32 years of experience to help clients identify what hurts their financial standing. They take on the job of dealing with respective agencies, like bureaus and creditors, to remove derogatory entries or validate clients' information. They also offer resources to inform consumers about improving their spending habits and restoring positive credit scores.

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Mountain View, CAFree Credit Evaluation
Lexington Law
Mountain View, CAFree Credit Report Consultation
Pinnacle Credit Repair
3790 El Camino Real, Palo Alto, CA 94306
Credit Repair Bay Area
3240 South White Road, Suite 232, San Jose, CA 95148
Bay Area Credit Repair
2959 Winchester Blvd 201, Campbell, CA 95008
DeSouza Credit Services
530 Lytton Ave 2nd Floor, Palo Alto, CA 94301
B A Credit Repair
388 Santana Row Suite # 1224, San Jose, CA 95128


  • 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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