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Bay Area Credit Service LLC

 

Established in 1963, Bay Area Credit Service LLC. is located in San Jose, California and operates as a nationwide network of collection agencies offering a full range of services from recent collections to post charge-off collections including bankruptcy. Bay Area Credit Service LLC is a national provider for both in-sourced and out-sourced national recovery systems.

Federal laws have been put in place that grant collection agencies the ability to place negative marks on the consumers' personal credit file. This type of reporting by collection agencies leads to lower consumer credit scores and will prevent most lenders from extending credit to borrowers that have these derogatory items listed on their consumer credit file. Even if a consumer is able to obtain the financing they desire with these negative marks on their credit report, the interest rate offered to them by a lender will positively be much higher than if the consumer did not have these negative marks on their credit report. With consumer protection in mind, federal laws have also been put in place that grant consumers the right to dispute and potentially remove the derogatory marks placed on their consumer credit file by collections agencies. While protecting consumer rights, this also assists in the prevention of unscrupulous reporting of negative information by collection agencies.

I had numerous tax liens, charge offs and judgments being reported on my personal credit file that were damaging my credit score in a major way and affecting my ability to obtain new credit. Deciding it was time to do something about it, I attempted to perform credit repair myself by contacting collection agencies similar to Bay Area Credit Service LLC in an attempt to negotiate some kind of arrangement with them in order to remove the negative information on my credit report. Dealing with collection agencies like Bay Area Credit Service LLC was more aggravating and time consuming than I could have possibly imagined but even worse, none of the collection agencies were willing to work with me and continued to report the damaging information to the credit bureaus. It didn't take long for me to understand that credit repair wasn't going to be a simple task to perform.

I needed results and didn't have the patience or hundreds of hours it was going to take so I contacted Credit Restoration Bureau and they immediately began working to repair my credit. They were able to raise my credit score by deleting various types of derogatory items from my consumer credit file such as late payments, collections, charge offs and judgments (see the letter below). Working with Credit Restoration Bureau was a much more pleasant and worry free experience than I could have hoped for. Each time I received an update from Credit Restoration Bureau, I was delighted to see they were continuing to have a positive effect on my credit score. By the time Credit Restoration Bureau was finished, my scores had all gone up approximately 150 points and I was in the 700s. They had truly given me a fresh start.

Here is one of the update letters I received from the credit bureaus. This one is from TransUnion and shows the deletion of an InoVision collection account, one late payment and two civil judgments. InoVision is a collection agency similar to Bay Area Credit Service LLC.

Credit Restoration Bureau was amazing and I would recommend them to anyone struggling with bad credit or being harassed by collection agencies like Bay Area Credit Service LLC. Credit Restoration Bureau specializes in the removal of all types of derogatory credit itmes to include: late payments, collections, charge offs, bankruptcies, tax liens, civil liens, foreclosures, repossessions and more.