Jina just had our 2nd mortgage (HELOC) -written off-, ***$97k worth*** and has taken our credit scores from the low to mid 500's to nearly 700 in just 6 months. When you hire someone to solve a problem, you can hire a student or hire the teacher- Jina is the *master*. She is brilliant at what she does. If you check around, you'll find the "credit repair" industry is full of hacks making false promises and not getting results- there just aren't very many people out there who understand both the science and art of helping you game the mysterious credit bureau and FICO scoring system. That's not her only genius though. Jina and her assistants are absolute pit bulls with creditors and collectors. Better yet, they will be with -you- as well. Let's be honest, you're probably the one chiefly responsible for the situation you're in. Likely due to a habit of inaction and disorganization you acquired during a time of great stress- exactly what happened to my wife and I. Once you agree to a game plan with her, Jina and her team will be all over you to work it. It's hard to emphasize how important this part is. "On it" describes her organization well- and she will expect the same of you. In addition to the incredible miracle of getting a very large debt written off (and lien removed from our title- per a letter from the county no less), Jina created a blizzard of notices in the mail indicating one Late pay after another had been removed from prior credit cards, car loans, etc. In the case where the best course of action is a pay-off settlement, she is very upfront with you about this reality and will work both sides- what you can afford to pay vs. how much she can push a creditor to write off. Our goal is a long delayed re-fi and after 6 months of working with SVCR, we are well on our way. To say that Jina's fee was a "good" investment would be the understatement of the decade- it has transformed our life plans for the next couple of years. I highly encourage you to stop putting it off and start taking action for your household and family as we finally did. read more

I found Jina and her team at SVCR when I yelped "Credit Repair companies". I decided to go to her because of her high ratings on yelp. I must say I wasn't disappointed. When I first met with her she ran my credit and discussed what it was I wanted and what was my ultimate goal. I had really bad credit due to old credit card debt that I had obtained when I was young. These accounts were so old and the harassing calls from collection companies were so overwhelming. After going over the plan of attack I decided to sign up. I was given very clear and specific instructions and most importantly, guidance. I followed everything I was asked to do and as she had mentioned to me, the correspondence from credit bureaus and collection companies started flooding my mail box almost a week after I had signed up (which means they got to work immediately). I settled about 80% of my credit card debt within those 6 months for amounts so much lower than the balances!! I decided to sign up for another 6 months simply because I still had some student loans and some items to get cleared from credit bureaus. At the end my credit score increased tremendously along with my FICO score. I was beyond impressed and pleased with Jina and her team. Dawn and Cebrina worked diligently on my accounts and guided me as well throughout the process. If I had a question or concern, they were on it!! These gals are no joke ;) If you have credit problems, are looking to increase your credit score to buy a home etc. I HIGHLY recommend SVCR, Jina and her amazing team. I later learned that she is also a Real Estate Agent so I will definitely work with Jina when my husband and I are ready to purchase a home! I wish I could give this company 10 stars! read more

I'm very thankful that I found Silicon Valley Credit Repair. I found myself in a very upsetting credit position. At one point my credit was perfect, no dings whatsoever until the economy hit and cancer took over for a period of time in my life. I was highly challenged financially then and had to sell our family home through short sale, paid late on everything and then filed for bankruptcy. Things weren't looking good. Thankfully after the storm, I located Jina Carranza who was referred to me. We consulted one on one, she was incredibly knowledgable, she explained how the bureaus operate, timelines, what to expect, discussed a detailed plan and followed through with every single thing we discussed. She explained how she can help remove the derogatory items reflecting on my credit report, but was clear about no guarantees in the credit repair industry, period. She stressed to me how maintaining my credit was key and taught me exactly how to maintain it throughout my time exchange with her. As of today, I've recovered financially. I have since purchased a brand new home in Gilroy, purchased 2 separate vehicles at very competitive interest rates and I have a American Express card now!!!! Of course other credit cards as well, but the American Express Black card I've wanted for years, just a cool icing on the cake. Jina worked very hard, so much so, that my credit report NO LONGER reflects any derogatory items whatsoever! She had everything removed, everything! She did better than a great job! Thank you for helping me put my financial life back in place. I feel very thankful, relived and overall ready to take on whatever comes my way. read more

Wow! Jina and her team have done some amazing and outstanding work! Words could not explain how grateful I am for their efforts in bringing up my credit score. When I first came into their office, I had no hope that I could ever improve my credit score, and thought there wouldn't be any possible chance to remove the bad credit. After weeks and months of working on my credit, it was time to meet with Jina and her team to go over the progress made with my file. I was expecting to be told the worst news that not much could have been done since I was just use to the same song and dance generally, but instead they had great news. I was at a loss for words when Jina told me that they had removed all late payments and all my debt from credit cards. My credit was in the late 500's and after all their had work, my credit score is now in the high 700's! I had credit card debt, late inquiries from car loans, student loans and credit card payments all removed from my credit history. I had outstanding debt they were able to remove and completely eliminate! Again, words could not express how thankful I am because I didn't think there was any hope for me AT ALL. If you have bad credit and think there is no possible chance of things improving, call Jina and her team, they will find a way! I signed up initially just hopeful from what I was told and how good I felt meeting with Jina the first time, but just had general doubts on repairing my personal credit because I had lost all hope at that point, but wow! These ladies are unbeatable! Change is possible and it begins with these ladies! read more

I couldn't say enough about our experience with Silicon Valley Credit repair. My husband and I tried to better our credit on our own. We paid multiple accounts off within a year, and our credit scores didn't budge!! We are so thankful for this business. Jina was great! She made us feel soo comfortable and confident about the whole process. That girl knows her stuff!! Then you have Arlene... Words can't express my gratitude for that lady. She was so sweet and was on top of it. Communication is key, and Arlene made sure that I knew exactly where our accounts stood and what work was being done. She was LITERALLY always a call, text, or email away. I know she spent hours on the phone trying to get us the best settlement, and she did just that. THANK YOU ARLENE! you are and Angel . Overall, if you do exactly what Jina says, if you fully commit, you will walk out of there a whole new person. In less than 6 months our credit scores went from the low 500's to just under 700! Couldn't be happier. If we wouldn't have made this commitment, we would have been in the same position we were for years! Getting turned away from everything we applied for, even an apartment! Jina, Arlene, and staff were a blessing in disguise. After having my car for 10 years, it broke down only a couple weeks before our 6 month contract was complete. After hearing how much our credit had improved, for the first time in years we were approved for an auto loan and with an interest rate of 2.99%! It feels great to know that nothing is holding us back now. Thanks again ladies!!! read more

I had a great experience with Jina and her staff. Jina absolutely knows what she is doing and in doing so has created a great business, which gives clients exactly what they are looking for in repairing credit. Jina, creates a plan of action, provides feedback along the way, and most important the end result will be the positive outcome, which will deliver what you are looking for. My goal was to purchase a home, and drive up my credit score number so I could obtain the best loan at the lowest interest rate possible. Jina was available at all times to answer questions, and provide solutions and still provides recommendations. Her staff works behind the scenes with a very systematic approach to clean up bad data. There were things on credit report I had been unable to correct for years. Jina was around to turn all that around within about six months! More important than that is that she is still in contact, and available for me if I need her for any reason at any time. This has definitely been worth the investment. Thank you "Silicon Valley Credit Repair". Not only did I purchase a home, I made a very sound investment that has paid off long term, thanks to taking this step to repair my credit score and remove outdated and incorrect information the right way with this professional firm. Thank you Jina for doing a great job and getting me where I needed to be. Mission accomplished! Deborah read more

My Fiance and I were referred to Jina and her squad by a family member and it was the best decision thus far in our lives. Our credit scores were pretty bad in the low 500 with a good amount of debt and no hope on making it better. We went in only to speak about options and of course we signed up because it just felt right and we were really inspired by Jinas professionalism and up front honesty. They really made us feel good about doing business with them. she laid it all out on the table for us which is exactly what we wanted. She was super flexible with us and went to work with our credit immediately. I had a 13k debt that was hitting hard on my credit and it was completely wiped out saving me thousands of dollars. Aside from doing above and beyond what they promised as a business, Jina and her Squad really went hard and took the time to explain what we were doing wrong and how we can fix it. 6 months later my credit score is 150 points higher in the mid to high 600s and it only gets better from here. Being able to get high limit credit cards and offers is an amazing feeling to say the least. so if you are on here to check if her program is the real deal then look no further and stop wasting time. Put Jina on your team and go get your credit score back. I cant say enough how grateful we are for Jina and the lovely ladies at Silicon Valley Credit Repair. THANKS A MILLION read more

Jina at Silicon Valley Credit Repair is the REAL DEAL! As a lender I constantly come across clients that are in need of credit repair. Those with credit scores under 600 and well in the low 500's. I have referred clients to many agencies, but have yet to find the company that shows they really care. Finding the right Credit Repair company is hard to find as many are slow, unresponsive, and are fly by night. I found comfort in referring clients to Jina Carranza, as she has a "brick & mortar" office, friendly and knowledgable staff, and more important... delivers results! For example... she was able to remove various late payments, collections and account that didn't belong to them. In another scenario, a client had previous tax liens and a short sale that she was able to remove from the report... Credit is so critical, especially in my world, and because of her service, we have been able to help families get into home that otherwise, still would be waiting until this day and left without hope to purchase their dream home. I recommend Jina with Silicon Valley Credit Repair to anyone that has the smallest blemish to the toughest credit file! If you have questions or want to inquire if you're credit score is good enough to purchase a home... contact me below: Eric Becerra Mortgage Banker / NMLS 269495 Neighbors Financial Corp 408.475.3632 read more

My wife and I decided to start looking for a house, but one thing remained in our way which was bad credit. We met with Jina and her team in January of this year and they were very professional about how they wanted to approach the situation. We loved how friendly, professional, and communicative they were so we decided to enroll in their program. Throughout these past few months our credit score has gradually increased and it is safe to say that we owe it to JIna Carranza, Cebrina Nunez, and Amber Marshall. They took the time to explain what had been bringing our credit down and provided us with multiple solutions in order to raise our credit score. Before stepping into their office my credit score was very low and I was dealing with collections and thanks to them y credit score is extremely high and I am free of collections. They were also extremely good at communicating about our credit status and were always notifying me when I had bills to pay. Thanks to Jina and her crew, I am happy to say that in less than two weeks my wife and I will have our house in the location we wanted. I highly recommend enrolling in their program to improve your credit and if you have any questions I recommend calling Silicon Valley Credit Repair. read more

If I can do it anyone can ! , "Gina "and her amazing,talented and professional staff are the best ! . I started working with "S.V.C.R" Silicon Valley credit repair back in February and it's been about 4 months now and wow ! What they been done so far is more than I could have hoped for . I started with horrible credit ;( I had about 16 collections and other negative stuff on my credit report and now a few months later bamn ! To the hard work of "Gina" and her staff I just found out 13 of my items have been removed . my future is bright again ! I felt hopeless when I started with Gina and believe me there's no magic pill to fixing bad credit but they were soo organized and helpful and they gave me exact instructions to follow and I'm learning so much . I was bad with my money and now I pay all my bills on time and budget and it feels great ! . I made some poor financial choices in my past but took a stand and now I am working hard and trusting in Gina and her staff and I feel really blessed to have met them . Don't feel emberassed ;) Everyone needs some help sometimes it's just taking that first step ! Give them a call u will soon agree and see it has been the best choice u made in a while ....... read more

A few years ago with the down turn in the economy we managed to default on several auto loans, rack up credit card debt and have to short-sale our home. We have since managed to pull ourselves out of all the debt load, but our credit was DESTROYED. We had done all we could living within our means, on cash and debt free ( what a concept!) , but we were ready to buy a home and no lender would even look at us. That is where Jina came in. We found her by serendipity on the internet and have been truly blessed to know her both personally and professionally. We had been taken before by so called credit assistance companies at our most vulnerable point, so we were very skeptical of any credit repair type service. Jina put us to ease right away. She is the utmost professional and her staff is organized, capable and on it! She answered all of our questions and was so honest. She always has time for us and calls to check in regularly. She has raised both my wife's and my credit score nearly 100 points! And with the help of a wonderful loan officer she referred us to; we are now able to buy a home! Thank you JIna and SVCR. You are truly angels! read more

"Let everything you do be done in love" - 1 Corinthians 16:14 Jina and her staff is all about love. We recently started working with Silicon Valley Credit Repair and we are already so happy that we did. They are working hard and have already made a positive impact on our credit report. They helped remove negative items from our credit report that shouldn't have been there. This directly caused an increase in our credit score! Their staff are very friendly and easy to understand, and in a country full of terrible customer service, Silicon Valley Credit Repair's customer service definitely gets an A+! The price they ask for their services is more than fair. We are very pleased with the service that we received so far from Silicon Valley Credit Repair and I will definitely recommend them to my friends. Thank you so much Jina and your staff. We love you and God bless you all. "I can do all things through Christ who strengthens me" - Phillipians 4:13 In Jesus name... Praise the Lord, Hallelujah, Amen... read more

I used Jina and her service back in 2013 and have been extremely happy with the results. My husband and I wanted to increase our credit to buy a house and the results were amazing. She raised our score over 100 points and we received a low interest rate on our loan because of the work that they did. I appreciated her confidentiality and the way her and her staff handled all of our paperwork. We were happy because Jina and her team are full service and handled all of the communication with the creditors and were able to settle all debt lower then I would have been able to do on my own. We have been able to purchase our home, a RV, a new truck and have been approved for low interest credit cards. Jina and her staff are personable, caring and really enjoy helping people all the while getting results with a no-nonsense work ethic. I highly recommend Jina and Silicon Valley Credit Repair no matter if you have small or large credit challenges - Jina will get it done! read more

Jina Carranza at Silicon Valley Credit Repair renewed myself and family after tragedy hit. We lost our country home of many years when the market crashed. In addition to this, my truck was stolen in a grocery store parking lot. I had limited liability coverage at the time that didn't kick in when this happened and then after discovered that the person(s) who stole it burned it. Big mess! Life was very hard. Everything was a big mess. Little did we know that credit repair was an option. Jina came to our aid and not only fixed our credit but also helped us with paperwork outside of what she was obligated to do under our contract. Now we can say that our life is finally stable. We have a new car, stable home that we are renting with good credit and will be looking for a home to buy once we hit the three year threshold under lender guidelines. Jina fixed our credit and glued the broken pieces back together. Go to Jina because she will help you the way she helped us. read more

Silicon Valley Credit Repair helped us so much. We had no idea how to qualify to purchase a home after having such bad credit for many years. Our only hope was to clean up our past credit issues. We were referred to Jina Carranza at this company and she really did help us out. We were able to buy our first home and we were only able to do this thanks to her help and our lenders help who referred us to her in the first place. My husband and I highly recommend Jina and Cebrina at Silicon Valley Credit Repair. Thank you so very much for not judging us and helping us through our credit trouble. Just to give you a idea, we had a repo, a past bankruptcy with collections that happened after our bankruptcy, 24 medical collections with Credit Consulting out of Salinas, CA and lots of other late payments that were hurting our credit scores. We are now debt free and our scores are both in the upper 700's. Happy to say we are first time home owners now. Thank you so much! read more

i stumbled upon silicon valley credit repair surfing the internet looking for resources other than the same ol "lexington law firm" and credit repair gigs i see all the time.. & was hoping i mysteriously would see something different doing the same search all the time. and prior i had never heard about them but from stumbling, i then sought further and saw the reviews and was amazed.. & this was just a few days ago so i havent had any service yet, but anxious to try and see if i could give the same review as the ones i see.. so i have made my appointment for this upcoming week and excited about it being given faith that my results will come as good as the ones in the reviews. so i give silicon valley credit repair 5 stars for the reviews they have.. bein its what has given me tha ability to be confident in doing business with them.. being customers are the ones who give businesses their reputation.. i want to say thank u in advance... read more

I had the pleasure of meeting Jina and her team of credit repairing ninjas about 6 months ago. I was given a thorough rundown by Jina on what the current issues are with my credit, what SVCR plans to do, as well as what I can do in the meantime help push my credit higher. She set very realistic expectations on how long this process will take and that there were no guarantees, but that they would do their best. As long as I supported her team with mailing/emailing documents that came in from the credit unions, they would try their hardest to knock off some of my late payments. I say "some" because that's what I though they would be able to get away with. Lo and behold, six months later I found out that they were able to clear up ALL of my late payments. FICO jumped by 40 points and I now have a clean slate. I cannot thank her and her team enough, and would recommend her to anyone looking to clean up their credit score. read more

My husband was first referred to Jina by our loan officer. He met with Jina and immediately signed up for their credit repair program. His credit improved very quickly after he signed up so that made life a lot easier when it came to the need to apply for financing. He finished her program and his credit is now better than it's ever been. We are very happy about the end result. One year later, here I am. I recently signed up for credit repair for myself and I'm happy to say that my credit has drastically improved in the short time I have been a new client. My only regret is not signing up for credit repair at the same time my husband first signed up. I'll tell you that I am very happy with Jina, her staff and their ability to produce results in improving my credit score and providing peace of mind. I highly recommend Jina and her staff to repair your credit and help improve your overall situation. read more

Jina's team did exactly what they said they would. A lot of businesses talk about results but Jina and team delivered. While our credit wasn't bad to begin with we did want to increase it to put ourselves in a better position to purchase a home. With the guidance from Jina over six months we saw over a 100 point increase in our scores. She clearly explained what we needed to do to improve our scores and told us what her and the team were going to do. They're only going to get better as they are bringing in new systems and automating some manual processes in order to provide a better customer experience. This essentially fixes the only issue I had which is response time after reaching out and keeping us up to date with our progress. I think the new systems will help solve this minor issue. I'd highly recommend working with this business. They're all hard working and very nice people. read more