Frequently Asked Questions

We not only work to remove your negatives, we specialize in building your credit.

How much does it cost to repair my credit?

The first step is free. You will talk to me, Rick Jackson, owner of Credit Repair Bay Area I will give you a complimentary credit consultation! I guarantee at the very least you’ll know a lot more about credit than you did before you called. We are not a national company with slick salesmen that promise the world and deliver little we are a local company where you can talk to the owner.

How long will it take to get results?

Because the law states that the bureaus have 45 days to make their decision, that’s when you’ll start to see the first increase to your score. I have personally never seen a score not rise if you follow our direction. However, every case is different and I can give you a better estimation following your free consultation.

Why do I need a professional? Can't I do it myself?

Because it would be like going to court without a lawyer if you don’t know the rules you can’t win the game. The bureaus have five major categories and 28 individual points of interest. If you don’t fully understand them you can hurt yourself. It’s well worth paying a professional that will achieve the highest score possible for you and your family. Credit Repair Bay Area can potentially save you tens of thousands over your lifetime and get you back on track.

What if all my negatives are accurate?

At Credit Repair Bay Area we use the Fair Credit Reporting Act established by congress which states;
“It does not matter if the debt is yours or not. It must be accurate! Your file can be right, and not accurate.” This gives us the power to dispute any and all negatives!

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  • 3240 South White Road,  Suite 232,  San Jose, CA 95148   (408) 293-8000