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Best Credit Repair Companies in Sunnyvale, 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 Sunnyvale 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.

111Reviewed

68Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Sunnyvale, CA

Expertise.com Rating

Review Sources

Google
4.8 (6792)

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.

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

Sunnyvale, CA

Expertise.com Rating

Why choose this provider?

Need help contacting a Credit Repair Company in Sunnyvale? 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.

39120 Argonaut Way, Fremont, CA 94538

Expertise.com Rating

Review Sources

Google
4.0 (18)
Yelp
4.0 (9)
Facebook
5.0 (5)

Why choose this provider?

KeyPoint Credit Services LLC is a credit restoration firm serving clients in Sunnyvale and the surrounding areas since 2010. It employs a four-step process that includes initial consultation and credit report review, agreement signing, working with credit bureaus, and live progress report monitoring. It handles various credit report issues, including ChexSystems and EarlyWarnings removal. KeyPoint Credit Services is staffed by a team of credit specialists with more than 50 years of combined experience in the credit repair and finance industries.

  • Credit Dispute

2959 South Winchester Boulevard, Campbell, CA 95008

Expertise.com Rating

Review Sources

Google
1.0 (1)
Yelp
1.0 (1)

Why choose this provider?

Established in 2015, Bay Area Credit Repair is a company that helps Sunnyvale customers improve their credit scores. It provides financial education and credit counseling services to clients who would want to take the first step in repairing their credit scores. The business also offers credit card repair and restoration, as well as business and financial consultation services. One customer has thanked the company for having a professional service for helping him improve his credit score even with bankruptcy.

  • Credit Audit

123 East San Carlos Street, San Jose, CA 95112

Expertise.com Rating

Review Sources

Facebook
4.5 (160)
Google
5.0 (5)

Why choose this provider?

ASAP Credit Repair is a business that provides credit consulting and management solutions for clients across the Sunnyvale area. It offers different credit repair services, like analyzing credit reports, disputing unnecessary and inaccurate credit information, and restoring credit scores. It can also remove damaging credit information from credit fraud, foreclosures, and public records. In addition, ASAP Credit Repair deals with credit education. It has resources on subjects like fraud detection and avoidance, insurance options, and employment history.

  • Debt Consolidation

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Sunnyvale, CAFree Credit Evaluation
Key Point Credit Services LLC.
39120 Argonaut Way, Fremont, CA 94538
Bay Area Credit Repair
2959 South Winchester Boulevard, Campbell, CA 95008
ASAP Credit Repair
123 East San Carlos Street, San Jose, CA 95112

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.

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