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Best Credit Repair Companies in Santa Clara, CA

Our Recommended Top 6

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 Santa Clara 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.



6Top Picks

Learn about our selection process.


featured provider = Featured Provider

Santa Clara, CA Rating

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

  • Money Back Guarantee
  • Credit Restoration
  • Credit Audit
  • Credit Repair
  • Credit building

Santa Clara, CA Rating

Why choose this provider?

Need help contacting a Credit Repair Company in Santa Clara? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

388 Santana Row, San Jose, CA 95128 Rating

Review Sources

4.3 (12)

Why choose this provider?

Bay Area Credit Repair addresses the credit needs of independent professionals and business owners in Santa Clara and nearby areas. The business has been serving the community for over 38 years, assisting clients in optimizing and improving their credit scores by providing customized solutions tailored to suit their needs and situations. It also offers personal and business credit repair, debt reduction, and credit counseling. Bay Area Credit Repair also provides credit-ready shelf corporations services and mortgage loans.

  • Credit Dispute

200 Serra Way, Milpitas, CA 95035 Rating

Review Sources

4.0 (7)
5.0 (5)
5.0 (1)

Why choose this provider?

Aditi Enterprise Group Credit Services is a credit repair agency that serves Santa Clara. Its team has over 15 years of combined experience in the industry. It conducts a review of the clients' credit reports and provides tips in rebuilding their credit scores. It then works with the credit bureaus to challenge the questionable items on the report and sends customized re-disputes should the challenged items don't get corrected. Moreover, Aditi Enterprise Group Credit Services has an online system where customers can monitor their progress.

  • Credit Monitoring
  • Credit Dispute

123 East San Carlos Street, San Jose, CA 95112
Website Rating

Review Sources

4.9 (396)
5.0 (1)

Why choose this provider?

ASAP Credit Repair Services assists clients in Santa Clara in improving and repairing their credit scores. Its credit team addresses personal and business needs with a simplified process and a cloud backup service. These professionals examine the credit report and communicate with major credit bureaus to correct inaccuracies. In addition, the company's representatives remove bankruptcies, charge-offs, collections, inquiries, and foreclosures. They also dispute other items, such as credit fraud, judgments, late payments, and public records.

  • Credit Monitoring

7660 Monterey Road, Gilroy, CA 95020 Rating

Review Sources

4.0 (39)
4.7 (31)
5.0 (6)

Why choose this provider?

Silicon Valley Credit Repair is a debt management company that serves clients in Santa Clara. It specializes in increasing clients' credit scores by eliminating negative items from their credit records. Its credit staff has more than 20 years of experience in challenging credit report agencies on behalf of clients using bankruptcy and consumer protection laws. Founder Jina Carranza is a member of the Gilroy Chamber of Commerce from 2010-11, and she won the Gilroy Dispatch Best Real Estate Agent award in 2012.

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Santa Clara, CAFree Credit Evaluation
Bay Area Credit Repair
388 Santana Row, San Jose, CA 95128
Aditi Enterprise Group Credit Services
200 Serra Way, Milpitas, CA 95035
ASAP Credit Repair Services
123 East San Carlos Street, San Jose, CA 95112
Silicon Valley Credit Repair
7660 Monterey Road, Gilroy, CA 95020


  • 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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