Expertise.com Homepage

2024

Last updated:

Best Credit Repair Companies in San Francisco, CA

Our Recommended Top 10

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 San Francisco 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.

575Reviewed

349Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

San Francisco, CA

Expertise.com Rating

Review Sources

Google
4.8 (10602)
Facebook
4.5 (98)
Yelp
2.2 (30)

Why choose this provider?

Credit Saint offers to repair and aid in rebuilding credit for consumers in San Francisco. In business for over 15 years, it provides clients with a credit monitoring system and evaluates their credit history for inaccurate, incomplete, unverified, or outdated information. These include collections, charge-offs, judgments, foreclosures, and repossessions. The company also counsels clients on their score's impact on their financial activities and on how to utilize a positive report when paying bills or opening credit.

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

Lexington LawExpertise.com

San Francisco, CA
Free Credit Report Consultation

Expertise.com 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

Expertise.com Rating

Review Sources

Google
4.6 (44)
Yelp
4.4 (19)

Why choose this provider?

760 Credit provides credit repair services for clients in San Francisco and the nearby areas. The company assists clients by determining whether credit repair is a viable solution, conducting credit analysis, reviewing credit report details, and forming an actionable credit repair plan. It also helps clients create dispute letters and file them to the corresponding credit bureaus. 760 Credit extends its services to clients who need to build their business credit or who want to improve their personal credit score.

  • Debt Consolidation

388 Market Street, San Francisco, CA 94111

Expertise.com Rating

Review Sources

Yelp
5.0 (199)
Facebook
4.0 (9)

Why choose this provider?

Get Good Credit in San Francisco specializes in credit repair. It helps individuals clear bankruptcy files, negative accounts, and public records. They also help clients remove credit inquiries. Other than clearing credit history, they also provide consultation services that educate people on how to build and maintain a good credit score. A benefit of increasing credit score is the ability to acquire auto loans. Past clients praise the Get Good Credit team's diligence, hard work, and professionalism.

388 Market St Ste 1300, San Francisco, CA 94111

Expertise.com Rating

Review Sources

Yelp
5.0 (9)
Facebook
4.5 (5)

Why choose this provider?

Fix Your Credit Consulting has provided credit repair services in San Francisco since 2003. The company's repair experts evaluate credit reports from the three reporting agencies to determine the scope of work necessary. They handle the dispute negotiation process on behalf of clients, working towards the removal of negative information from credit reports, following a repair process that can yield results within 35 to 45 days. The company provides credit information and education to avert issues such as identity theft. Fix Your Credit Consulting offers student loan solutions to reduce federal student loan payments, with options including loan consolidation and forgiveness.

5214f Diamond Heights Boulevard, San Francisco, CA 94131

Expertise.com Rating

Review Sources

Google
5.0 (21)
Facebook
2.6 (5)

Why choose this provider?

ASAP Credit Repair's consultants offer individuals and business owners insights into improving their existing credit scores. They analyze each of the reporting agency's reports and dispute any inaccuracies, such as unverifiable debts, duplicate reporting, and items that have passed the statute of limitations deadline. The professionals also offer guidance for creating healthier spending habits. Their insights help clients realize that establishing good credit helps achieve goals faster and at a lower cost.

1390 Market St Ste 200, San Francisco, CA 94102

Expertise.com Rating

Review Sources

Google
5.0 (13)

Why choose this provider?

San Francisco Credit Repair Company provides solutions to residents of San Francisco in need of credit repair, debt elimination, and settlement services. The firm uses FDCPA and FCRA laws to fix credit reports and works with attorneys to sue for debt collection violations. It assists with situations involving creditor harassment and removes bankruptcy, third-party collection accounts, inquiries, and charge offs from credit records. Clients have access to debt counseling and credit education services that guide them towards financial freedom. San Francisco Credit Repair Company uses modern technology to keeps customer updated on the progress of their credit repair process.

1 Sansome St Fl 35, San Francisco, CA 94104

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Credit Advisor's Council is a credit repair company in San Francisco. Its professionals handle consumer credit and work on improving credit scores by fixing errors contained within existing credit reports. The credit repair measures involve evaluating credit reports to determine discrepancies and challenging the validity of credit problems with credit reporting agencies. Issues handled by the professionals include late payments, identity theft, collection accounts, charge-offs, and bankruptcies. The team provides various solutions for building positive credit, including credit builder and co-signed loans as well as credit cards. Credit Advisor's Council also works on student loan forgiveness and provides debt consolidation options.

100 Pine St Ste 1250, San Francisco, CA 94111

Expertise.com Rating

Review Sources

Yelp
5.0 (128)
Google
5.0 (25)

Why choose this provider?

IMax Credit is a credit repair agency in San Francisco. Its credit repair process encompasses pre-litigation disputes, regulatory complaints, and actual lawsuits against creditors. The staff work to increase credit scores by challenging late payments, charge offs, judgments, and tax liens. They engage creditors and audit their compliance information regarding clients' accounts. The firm's associate attorneys file regulatory complaints against credit bureaus, creditors, and collectors to delete negative accounts. They help clients to file for a Federal Trade Commission Identity Theft Affidavit when needed. IMax Credit also helps clients negotiate for lower collection payments.

350 Rhode Island St, San Francisco, CA 94103

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Credit Repair Today is a credit repair company in San Francisco. Following a free initial consultation, its trained credit professionals work with clients to analyze their credit scores, challenge negative items, and prepare dispute letters, which are sent to the relevant credit bureaus and collectors. Additionally, the agency also resolves identity theft issues and provides ongoing education on maintaining a good credit score and general financial well-being. Credit Repair Today educates clients on how to read and understand credit reports, the statute of limitations on debts, and what makes up a FICO credit score.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
San Francisco, CAFree Credit Evaluation
Lexington Law
San Francisco, CAFree Credit Report Consultation
760 Credit
3230 Fruitvale Ave, Oakland, CA 94602
Get Good Credit
388 Market Street, San Francisco, CA 94111
Fix Your Credit Consulting
388 Market St Ste 1300, San Francisco, CA 94111
ASAP Credit Repair
5214f Diamond Heights Boulevard, San Francisco, CA 94131
San Francisco Credit Repair Company
1390 Market St Ste 200, San Francisco, CA 94102
Credit Advisors Council
1 Sansome St Fl 35, San Francisco, CA 94104
iMax Credit
100 Pine St Ste 1250, San Francisco, CA 94111
Credit Repair Today
350 Rhode Island St, San Francisco, CA 94103

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.

Related Articles

FeaturedCreditRepair

How To Hire A Credit Repair Company

Credit repair can improve your financial standing. Learn how to find a qualified credit repair expert who helps build up your...