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Best Credit Repair Companies in Oakland, CA

Our Recommended Top 9

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 Oakland 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.



9Top Picks

Learn about our selection process.


featured provider = Featured Provider

Oakland, CA Rating

Review Sources

4.8 (10602)
2.2 (30)

Why choose this provider?

Credit Saint offers to repair and aid in rebuilding credit for clients in Oakland. With more than 15 years of experience, it evaluates a consumer's credit history to challenge or negotiate incorrect, incomplete, unverified, and outdated data. These include charge-offs, collections, foreclosures, repossessions, and judgments. The company also counsels clients on the influence of credit reports on financial activities and on optimizing a positive report. Credit Saint also provides clients with a credit monitoring service during its intervention.

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


Oakland, 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

1300 Clay St Ste 600, Oakland, CA 94612 Rating

Review Sources

4.9 (247)
5.0 (19)

Why choose this provider?

Platinum Credit Solutions is a credit repair company in Oakland that has been in operation since 1999. It educates clients about how to raise their credit scores and how to maintain good credit health, accepting clients regardless of their credit scores. After performing a thorough financial analysis, Platinum Credit Solutions matches clients with a debt elimination provider suited to their needs. It helps clients get their names removed from ChexSystems so they can more easily open a checking or savings account. Platinum Credit Solutions also helps businesses obtain credit and loans by referring them to reputable banks and credit unions.

3230 Fruitvale Ave, Oakland, CA 94602 Rating

Review Sources

4.6 (44)
4.4 (19)

Why choose this provider?

760 Credit offers its services in the Oakland area. It helps improve its customers' credit scores by raising disputes about negative items and erroneous account reports through the assistance of consumer attorneys. The company also offers services to help businesses build credit with EIN. 760 Credit's CEO, Michelle Mitchell, has previously experienced having a bad credit score. This led her to develop a 12-point credit accelerator system to improve credit scores in 30 to 45 days.

  • Credit Audit

1743 14th Ave, Oakland, CA 94606 Rating

Review Sources

5.0 (3)

Why choose this provider?

Poser Tubes Credit Repair is a credit restoration company offering credit repair services in Oakland. It uses a pay-per-performance model to change or remove inaccurate and negative items from credit reports. Clients can utilize the personal credit monitoring dashboard to track any improvements in their reports. The company assists individuals who have paid less than the amount due on their credit cards and those with financial difficulties because of paid and unpaid charge-offs. Additional credit issues handled by the company include bankruptcies, collection accounts, repossessions, judgments, tax liabilities, and foreclosures. Poser Tubes Credit Repair also offers a couples' credit repair programs.

388 Market Street, Suite 1300, San Francisco, CA 94111 Rating

Why choose this provider?

The 850 League Financial Consultants caters to individuals with debt and credit issues in Oakland. The company conducts a line-by-line analysis of its clients' reports to develop a strategy and challenge erroneous items. Its team also works with credit bureaus and debt collectors on its customers' behalf. The business also offers individualized credit education and financial management plans. In addition, it helps individuals to build their credit and consolidate their debts. The 850 League also provides debt and credit counseling.

  • Debt Consolidation

100 Pine St Ste 1250, San Francisco, CA 94111 Rating

Review Sources

5.0 (127)
5.0 (25)

Why choose this provider?

iMax Credit is a credit repair company that has helped clients in the Oakland area for more than 15 years. Its services include a three-step credit repair process with a no-fee, lifetime guarantee if negative, disputed items are not removed from clients' credit reports. The company is associated with attorneys to help with pre-litigation credit bureau disputes aimed at creditors violating FCRA rules. As a result of the company's credit repair interventions, clients' credit scores increase, often directly leading to long-sought-after mortgage and home refinancing approvals. The team at iMax Credit also provides education and advice on ways to build and maintain higher credit scores.

1390 Market St Ste 200, San Francisco, CA 94102 Rating

Why choose this provider?

San Francisco Credit Repair Company assists consumers who want to repair and restore their credit rating. It works with clients of all credit score levels, including those with bankruptcies. Credit specialists take the time to review each credit report line-by-line searching for inaccurate, outdated, or other information that violates the Fair Credit Reporting Act. It handles the dispute process on behalf of clients to help remove this misleading information from their credit report. San Francisco Credit Repair Company also connects clients with appropriate attorneys if they identify violations of the Fair Debt Collection Practices Act. Additionally, the agency offers debt counseling as well as debt settlement services.

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

Review Sources

4.9 (39)
4.7 (36)

Why choose this provider?

E Fix Credit Solutions caters to clients in Oakland and its surrounding areas. It provides credit counseling and restoration services to individuals and business owners. The firm assesses credit reports, addresses inaccurate data, and nullifies unfair debts records. It also assists clients in implementing wealth management strategies designed to improve healthy credit scores. Additionally, it provides student loan relief, business structuring, business funding, and tax services. The firm has been in the credit improvement industry for more than 12 years.

  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Oakland, CAFree Credit Evaluation
Lexington Law
Oakland, CAFree Credit Report Consultation
Platinum Credit Solutions
1300 Clay St Ste 600, Oakland, CA 94612
760 Credit
3230 Fruitvale Ave, Oakland, CA 94602
Poser Tubes Credit Repair
1743 14th Ave, Oakland, CA 94606
The 850 League Financial Consultants
388 Market Street, Suite 1300, San Francisco, CA 94111
iMax Credit
100 Pine St Ste 1250, San Francisco, CA 94111
San Francisco Credit Repair Company
1390 Market St Ste 200, San Francisco, CA 94102
E Fix Credit Solutions
1 Sansome Street 35th floor, San Francisco, CA 94104


  • 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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