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Bay Area Credit is committed to helping our clients every step of the way to improve their credit profile on a new clean path to financial freedom. We will take every aggressive measure under the law to repair and restore your credit the right way.
To get approved for anything, you need a high credit score and a good history to maximize your usage, but improving your credit score has a lot of other rolls and perks. It can also lower your interest rates, bring down your monthly payments and your loan delivery fees.
The services Bay Area Credit Repair provides not only gives your credit scores a boost by removing negative items from your credit reports. It can also give you life changing results that will improve your living and spending in many ways.

who are we

Providing Services For 32 Years With Trust.

Credit Advocacy 95%
Business Consulting 95%
Personal & Business Funding 95%
Living Trust 95%

Bay Area Credit is committed to helping our clients every step of the way to improve their credit profile on a new clean path to financial freedom. We will take every aggressive measure under the law to repair and restore your credit the right way.
Contrary to what the credit bureaus would like you to believe, credit restoration does work for 100% of people in most circumstances, provided you are getting the best advice and have an experienced professional working your case. Anyone with a low credit score can benefit from credit repair; however, there are times when your own limitations make this advice impossible. 

The two limiting factors are: 

(1) your financial situation 

(2) the time frame you need to reach your results. It is possible to remove anything from a credit report, even accurate items. Our average credit score increase is 20 days with an increase of 50 to 100 points.

Frequently Asked Questions

Whether you are working towards financial freedom, providing a steady stream of income, or planning for retirement.

Contrary to what the credit bureaus would like you to believe, credit restoration does work and can work for 100% of people in most circumstances. This is, of course, provided you are getting the best advice and have an experienced professional working on your case.
Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit restoration; however, there are times when your own limitations make adhering to this advice impossible.

The two limiting factors are:

(1) your financial situation and

(2) the time frame in which you need to reach your results.
It is possible to remove anything from a credit report, even accurate items, if the creditor does not adhere to the law that outlines what needs to be done and by when.

Our clients vary from having a few late payments to having collections, charge offs, repossessions, bankruptcy, foreclosure, liens, judgments, and inquiries. Therefore it will be quoted on a case-to case basis. Contact us for your free credit review.

Nothing. We act as your representative due to our knowledge of credit scoring and our experience working with your creditors and the credit bureaus. I will say that our methods are tested and proven. You can try yourself, but mistakes on your part will make it harder for us to achieve optimal results.

Our performance based warranty is easy to understand and is the best in the business.

If we do not remove more than 25% of all the negatives we work on, from all three major credit bureaus, within six months from the time you sign up, then you don’t owe us a dime.
In order for the warranty to apply, you must have at least four negatives on the credit report at the time of sign-up, and may not have used a credit restoration agency nor attempted to restore his or her credit in the past two years.
Unpaid collections and unpaid charge-offs do not qualify for the warranty and are not included. Clients must send in updates credit reports from all three credit reports within 5 days of receiving them. Updated reports should be received by the client every 15 to 45 days.

93% of our clients see FICO score increases of 20 points or more in the first 35 days. Over the 90 day term of the contract, the average FICO score increase is 50 to 100 points.

There are two sides to the credit scoring battle. Sometimes your creditors and the bureaus have done absolutely everything right and we have no case against them. On average, we are able to remove 80% of negative items from a credit report.

Credit scoring models compute your score primarily from information contained in your credit report. The models might also take information from credit applications into consideration, including your occupation, length of employment, and whether you own a home.

According to Fair Isaac and Company, your payment history accounts for approximately 35 percent of your credit score. Your payment history reflects the various accounts that you have, including credit cards, mortgage loans, and retail accounts. Collections, foreclosures, lawsuits, and other collection items also fall into this factor.

The amount of money that you owe approximately accounts for 30 percent of your credit score. The manner in which a credit score reflects this amount, however, is complicated. As Fair Isaac explains, “Part of the science of scoring is determining how much is too much for a given credit profile.“ The credit score takes into account your last reported balance, whether or not you pay the balance off in full. The score pays particular attention to the amount you owe in revolving credit” such as credit cards. For example, if you have several credit cards with a small balance that you pay off regularly, then this reflects better on your score than if you had the same number of credit cards with no balance, because the latter shows a greater likelihood of “maxing out“those cards. In the same vein, if you have too many credit cards it will reflect poorly on your credit report.

Ten percent of your score falls under a category that Fair Isaac categorizes as “new credit.“ This category reflects factors such as the number of new credit accounts on your credit report. The more new accounts you have open, the more poorly this reflects on your score. In addition, the number credit checks that are run on you in the past year can actually reduce your score. This assumption is that, if you are searching for more credit, then you are at a greater credit risk.

Fifteen percent of your credit score measures the length of your credit history under Fair Isaac’s system. Finally, approximately 10 percent of your credit score evaluates the type of credit you have and whether it is a “healthy mix.“

These factors are just a few among many, and your credit score is determined by a complex formula that takes into account over 100 different factors.

While different lenders may evaluate scores differently, generally, a score above 680 is considered to be prime. Individuals with scores between 680-575 are likely to receive subprime loans, and individuals with scores below 540 will generally be denied credit altogether. If the individual is listed as having filed for bankruptcy, it results in a 160-220 point deduction on their credit score. A bankruptcy will remain on a credit score for 7-10 years. If a delinquent account is added to the individual’s credit file, 70-120 points are subtracted.

No, as long as the item is current or paid at the time of removal or the collection is older than three years. This holds true except in very rare circumstances.

The Truth: Credit repair is an entirely legitimate business. In fact, Congress passed a law called the Credit Repair Organization Act, or CROA, in order

The Truth: As with any industry, there are certainly unreliable, shady companies in our field. However, as mentioned above, CROA was made with the specific …

The Truth: While you can certainly attempt to dispute items on your own, unless you are intimately familiar with the laws and regulations surrounding credit …

You, as a consumer, have the right to seek assistance with this process. We understand the system and can save you time and money.

One of the best ways to detect erroneous reports are the discrepancies in all 3-Major Credit Reports.

Out entire team is dedicated to helping you achieve a 700+ FICO

79% of credit reports contain mistakes. By Law, the bureaus must prove it or remove it.