San Francisco is one of the most competitive cities in the country when it comes to housing, employment, and cost of living. Whether you are applying for an apartment in SoMa, competing for a rental in the Mission, or preparing for a mortgage while navigating high home prices, your credit score can quietly determine how many options you have and how much you end up paying. In a city where landlords, lenders, and even utility providers often scrutinize credit reports, small errors can translate into higher deposits, higher interest rates, or outright denials.

Many San Francisco residents turn to local credit repair companies when inaccuracies, outdated information, or identity-related issues appear on their credit reports. Having a local provider can be especially valuable in a fast-paced market where timing matters and communication needs to be clear. The following guide highlights the top 10 credit repair services available in San Francisco in 2025.

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Credit Score Fix

Credit Professional Services offers dispute-focused credit repair services supported by a structured review process and client portal access. They begin with a credit report review and work to identify inconsistencies or inaccuracies that may be negatively affecting a client’s profile. What makes Credit Professional Services stand out is their customized credit plans paired with ongoing access to tools that help clients track progress. San Francisco residents who want organization and visibility throughout the process may find this approach useful.

• Price: N/A
• Address: 3608 Grand Ave #10, Oakland, CA 94610, United States
• Phone: (832) 344-9402
• URL: https://creditprofessionalservices.com/credit-repair-oakland/ 
• Instagram: https://www.instagram.com/creditprofessionalservices/ 
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• Facebook: https://www.facebook.com/CreditProfessionalServices 
• X: https://twitter.com/creditproserv 
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• YouTube: https://www.youtube.com/channel/UCoGOwDgIf6pIVp24dXYof8g 
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• Google Review Score: 5.0 (21 reviews)
• Yelp Review Score: N/A 
• Data checked date: 12/24/2025

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San Francisco Credit Repair Company

San Francisco Credit Repair Company, also known as Premium Credit Repair, focuses on identifying and disputing inaccurate negative items while providing personalized strategies for long-term improvement. Their services are designed to support clients working toward financial stability in a high-cost market. What differentiates this company is its emphasis on tailored strategies and flexible payment options rather than one-size-fits-all programs, and the fact that they stand behind their work with a Lifetime Warranty for every client. This can appeal to individuals who want individualized attention and long-term confidence in the services they choose.

• Price: N/A
• Address: 1390 Market St #200, San Francisco, CA 94102, United States 
• Phone: (415) 520-1992
• URL: https://sanfranciscocredit.repair/ 
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• Google Review Score: 5.0 (11 reviews)
• Yelp Review Score: N/A 
• Data checked date: 12/24/2025

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Credit Professional Services

This San Francisco location of Credit Professional Services focuses on credit report reviews, dispute management, and personalized credit planning. Clients are encouraged to clarify whether their plan includes dispute-based credit repair, education, or both. What makes this option appealing is the ability to combine structured dispute work with ongoing guidance in a local setting. This can be helpful for residents who want consistent support while navigating credit challenges.

• Price: N/A
• Address: 2900 Judah St, San Francisco, CA 94122, United States
• Phone: (415) 212-5028 
• URL: https://creditprofessionalservices.com/credit-repair-san-francisco/ 
• Instagram: https://www.instagram.com/creditprofessionalservices/ 
• TikTok: N/A
• Facebook: https://www.facebook.com/CreditProfessionalServices 
• X: https://twitter.com/creditproserv 
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• YouTube: https://www.youtube.com/channel/UCoGOwDgIf6pIVp24dXYof8g 
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• Google Review Score: 5.0 (17 reviews)
• Yelp Review Score: N/A 
• Data checked date: 12/24/2025

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iMax Credit Repair Firm

Founded in 2004, iMax Credit Repair provides ethical, results-based consumer credit repair with a notable "$0 upfront fees" and "pay-after-results" model. Their services include disputing negative items, identity theft recovery support, and preparation for major financing goals. What sets iMax apart is their pay after results structure, which appeals to clients who want performance tied to cost. This model can be especially relevant in San Francisco, where financial decisions often involve large commitments.

• Price: Fees start at $1,549 (No Upfront Fees)
• Address: 100 Pine St #1250, San Francisco, CA 94111, United States
• Phone: (415) 548-4148
• URL: https://www.imaxcredit.com/?utm_campaign=GMBSanFran 
• Instagram: https://www.instagram.com/imaxcreditrepair 
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• Facebook: https://www.facebook.com/imaxcreditrepair 
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• LinkedIn: https://www.linkedin.com/company/imax-credit-repair-firm 
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• Google Review Score: 4.9 (29 reviews)
• Yelp Review Score: 49 (165 reviews) 
• Data checked date: 12/24/2025

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Credit Coach Nicole Scott

Credit Coach Nicole Scott combines credit coaching with hands-on guidance, making her services appealing to clients who want accountability and education. Her approach is well-suited for credit challenges tied to utilization habits, missed payments, or uncertainty about where to start. What makes this service different is the strong coaching focus paired with clear action steps. This can be a good fit for individuals who prefer guidance alongside dispute support.

• Price: N/A
• Address: 1721 Broadway suit #201, Oakland, CA 94612, United States
• Phone: (925) 214-3880
• URL: https://linktr.ee/creditcoachnicolescott 
• Instagram: https://instagram.com/creditcoachnicolescott 
• TikTok: https://tiktok.com/@creditcoachnicole 
• Facebook: https://www.facebook.com/creditcoachpros/ 
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• LinkedIn: https://www.linkedin.com/in/creditcoachnicolescott 
• YouTube: https://www.youtube.com/@CreditCoachNicoleScott 
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• Google Review Score: 4.9 (58 reviews)
• Yelp Review Score: N/A 
• Data checked date: 12/24/2025

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Platinum Credit Solutions

Platinum Credit Solutions is a credit repair company that helps clients address credit report issues by focusing on items that may be inaccurate or not reporting correctly. Their services are designed for people who want guidance and follow-through while working through the credit repair process. What makes Platinum Credit Solutions stand out is their strong review history and established, client-focused support that emphasizes consistency and clear next steps. This can be a good fit for clients who want a structured approach rather than handling disputes on their own.

• Price: N/A
• Address: 672 W 11th St, Tracy, CA 95376, United States
• Phone: (209) 229-7750 / (800) 983-4950 / Fax: (209) 229-7751
• URL: https://platinumcreditsolutions.net/ 
• Instagram: https://www.instagram.com/platcreditsol/ 
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• Facebook: https://www.facebook.com/platinumcreditsolutions/ 
• X: https://twitter.com/PlatCreditSol 
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• Google Review Score: 4.9 (34 reviews)
• Yelp Review Score: 5.0 (2 reviews)  

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Credit America

Credit America uses a pricing model that deviates from the common flat monthly fee, instead opting for a weekly payment schedule and service charges billed per item. What makes them different is the item based billing structure that allows clients to see costs tied to specific actions. When comparing costs, it is essential to clarify what the company considers an "item," the typical number of items they address simultaneously, and what a realistic total cost estimate would be for a credit file similar to yours.

• Price: Activation $0 No upfront fee / Services $99 per item / Payment Plan $25 per week
• Address: 601 Gateway Blvd, South San Francisco, CA 94080, United States
• Phone: (702) 990-3566
• URL: https://www.creditamerica.co/ 
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• LinkedIn: https://www.linkedin.com/company/creditamerica 
• YouTube: N/A
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• Google Review Score: 4.0 (1 reviews)
• Yelp Review Score: 1.0 (1 reviews) 
• Data checked date: 12/24/2025

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Credit N Abundance

Credit N Abundance works with clients to dispute inaccurate credit report information while also providing guidance on healthier credit habits. Their services combine negative mark challenges with education. What sets Credit N Abundance apart is the blend of dispute support and practical credit education. This approach may benefit clients looking for both correction and understanding.

• Price: N/A
• Address: 4851 Mission St, San Francisco, CA 94112, United States
• Phone: (415) 347-7083
• URL: http://creditnabundance.com/ 
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• Facebook: https://www.facebook.com/p/Credit-N-Abundance-100079099777854/ 
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• Google Review Score: 5.0 (1 reviews)
• Yelp Review Score: N/A 
• Data checked date: 12/24/2025

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Credit Repair Today

Credit Repair Today offers credit repair services backed by many years of combined industry experience. Their focus includes protecting consumer rights and helping clients prepare for major financial steps. What makes Credit Repair Today notable is their long operating history and emphasis on consumer advocacy. This can be valuable for clients preparing for mortgage or lending decisions.

• Price: N/A
• Address: 350 Rhode Island St, San Francisco, CA 94103, United States
• Phone: (415) 343-7878
• URL:  https://crtcreditrepair.com/ 
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• Facebook: https://www.facebook.com/creditrepairtodayllc 
• X: https://www.x.com/creditrepair4u2 
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• YouTube: https://www.youtube.com/channel/UC4ZG8qdklIudz6QiQGvoxvQ 
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• Google Review Score: 5.0 (1 reviews)
• Yelp Review Score: N/A 
• Data checked date: 12/24/2025

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Bayside Credit Repair Experts

Bayside Credit Repair Experts offers a straightforward monthly credit repair service focused on reviewing reports and disputing inaccurate entries. Their model is easy to compare with other providers in the area. What distinguishes Bayside is the simplicity of their monthly structure, which can appeal to clients who want predictability. Clients should confirm the scope of monthly actions before enrolling.

• Price: $49.95 monthly
• Address: 120 Sansome St, San Francisco, CA 94105, United States
• Phone: (628) 200-0550
• URL: https://www.creditrepair.com/ 
• Instagram: https://www.instagram.com/creditrepair.com/ 
• TikTok: N/A
• Facebook: https://www.facebook.com/creditrepaircom 
• X: https://twitter.com/creditrepair 
• LinkedIn: N/A
• YouTube: N/A
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• Google Review Score: 3.0 (5 reviews)
• Yelp Review Score: N/A 
• Data checked date: 12/24/2025

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Final thoughts

In San Francisco, credit challenges often surface at critical moments, such as securing housing, refinancing, or managing rising costs. When errors or outdated information appear on a credit report, having professional support can help keep the process organized and moving forward.

The most effective credit repair experience comes from choosing a company that communicates clearly, avoids unrealistic promises, and aligns its process with your specific goals. When combined with consistent financial habits, credit repair can help San Francisco residents maintain flexibility and confidence in one of the most competitive financial environments in the country.

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