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    Credit Doctor

    5.0 (9 reviews)
    Closed 8:30 am - 6:30 pm

    By appointment only

    Updated 1 month ago

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    Services - Credit Doctor

    Debt management

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    5 months ago

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    Henry N.

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    5 months ago

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    2 months ago

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    3 months ago

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    5 months ago

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    Henry N.

    Thank you for sharing your experience. I appreciate it.

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    1 year ago

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    1 year ago

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    5 years ago

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    4 years ago

    Henry and his Staff are amazing he fixed my credit in less a year and was able to help to buy a new car and house.

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    As someone who uses Yelp a lot, I don't hand out 5-star reviews lightly, but Christine Teh…read moreabsolutely earned this one. I reached out because I'm working hard, but still not seeing enough in my paycheck to get ahead. Christine immediately spotted things I completely overlooked, including helping me adjust my dependents correctly, which honestly made a noticeable difference in my overall paycheck. That alone took a huge amount of stress off my shoulders. What I appreciated most was how professional and down-to-earth she was throughout the whole process. No pressure, no talking down to me, no "finance influencer" gimmicks. She explained everything clearly and gave practical advice that actually applies to real life. She also helped me focus on budgeting in a way that finally clicked for me. Not restrictive. Not unrealistic. Just smart habits and structure that made me feel more in control of my finances, rather than constantly reacting to bills and expenses. You can tell Christine genuinely cares about helping people improve their situation, not just selling a service. She's knowledgeable, patient, professional, and easy to talk to, which makes a huge difference when discussing personal finances. If you're trying to improve your finances, better organize your budget, or simply understand where your money is really going, I highly recommend hiring Christine Teh. Definitely a well-earned 5 stars from me.

    I have met with Christine Teh three times now. As a math teacher and professional, I have always…read morefelt a bit of shame and embarrassment about not being able to get a handle on taxes and finances. Christine was so encouraging. She took the mystery out of all the mess and gave me the confidence to take ownership of my finances. I always felt safe to ask any question, and she always answered in a way I could understand. This coaching experience has been life-changing! I cannot speak highly enough of Christine Teh and the invaluable financial guidance she has provided.

    Blue Water Credit - Legal and Ethical Credit Repair

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    I was recommended by my loan officer which I no longer have. They try to reMove as much as possible…read morethat can affect your credit but as soon as you stop using it it all comes back so they technically never removed it . They offer services that you can do on your own. I felt like I wasted my money using them. I used them for about 7 to 8 months. I decided to take matters into my own hands and I have to say that my credit has gone up drastically since I stopped using blue credit. At the end no I would not recommend them. You can easily get letters online and send them or dispute online .

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    So blessed to have been Mr. Feldman's clients. He is a true professional! We followed and trusted…read morehis advice and guidance throughout the bankruptcy journey. We learned so much and will always be grateful to him and his staff! We recommend his awesome work!

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    Better Credit Service USA - NHORA regional conference #bettercreditservice a proud sponsor of NHORA #zulfiyakarinova hosting our table.

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    Rose Garden

    Selecting a reputable credit repair service and company is a treacherous endeavor. The internet is…read moreriddled with unscrupulous companies that promise quality work but fail to deliver quality results. As you imagine I had a healthy dose of skepticism when I first spoke with Zulfiya from Better Credit USA. The positive reviews from her clients is what prompted me to reach out to obtain her services but writing this review is based on the exceptional work and results Zulfiya and her team had done. Initially Zulfiya provided a credit repair analysis based on my credit standing which was an absolute disaster due to unemployment a few years back during the financial crisis. The analysis indicated that my credit can be raise to 688, 692, 664(Equifax, TU, Experian) but with no guarantees which was understandable. I would have been happy with this goal but in a short few months30-60days I was beginning to see their results as my score increased through MYFICO website.(beware scores will vary if you check Credit Karma or other credit reporting services due to different algorithms) Don't be alarm by this, it's all part of the process. Within 5 months Zulfiya and her team cleaned up my negative reporting, payment history, inquiries, derogs, and most significantly public records. I received a final email from the company indicating their work was finalized so I pulled my credit and was absolutely shocked to see the scores at 717, 724, and 754 ! (Equifax, TU, Experian) I went through the details in my credit report and was throughly impress of the clean slate. I can not fully express how ecstatic and jubilant I am today to be in this situation! Thank you so much Zulfiya and your team for all the hard work and expertise you have provided. You and your team have unquestionably provided world-class service that deserve to be recognize, simply amazing ! Kind regards, Charles

    Better Credit Sevice USA is an excellent company...trustworthy and true to their word. My wife and…read moreI worked with Zulfiya at their The Alameda office in San Jose and accomplished the results we were hoping for. Zulfiya is one excellent person who addressed our issues very positively with all 3 credit bureaus. Bottom line.... both our FICO scores moved up by at least +30 points.

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    I can't say enough GOOD things about the work they're doing fixing/improving my (BAD) credit score…read more Financial Education Services is the BEST! Honestly my credit was terrible I thought it impossible to turn it around unless I won the Lottery and I don't play so, that's not going to happen. I thought my situation hopeless, doomed to live with the mistakes I'd made with my credit. My daughter told me about FES, how they helped her get her credit repaired. I made the decision to call them about my credit: so happy I did. I'm very excited about the work FES has done and still doing with my credit, I'm seeing results they're GOOD! FES is the way to go! Many THANKS to Ruth VanDerostein and all at Financial Education Services!

    I engaged Ruth Benjamin's company in October 2023 for trust and financial planning services with a…read morestated contract amount of $32,500. I made two payments totaling $32,925.00: * October 17, 2023 - $16,250.00 * January 19, 2024 - $16,675.00 This exceeded the agreed contract amount. Ruth Benjamin was the primary point of contact throughout the engagement and coordinated involvement of other individuals, including Barry Bruce (TopTaxStrategies / Financial Tax Strategies/ DeferTheGainsTax) and attorney Ryan Woods (Santa Monica, Access Virtual Family Office). These individuals were presented as part of the overall service structure provided under her direction. The strategy presented to me involved tax planning approaches intended to reduce or eliminate capital gains taxes over time. I relied on these representations when deciding to proceed with the engagement. Over the course of the engagement, I became concerned that the implementation, outcomes, and communication did not align with what was initially represented. I also had concerns regarding clarity around roles, scope of services, and deliverables. In addition, there were delays and limited responses to follow-up communications regarding resolution. I am sharing this review based on my personal experience and documentation related to the engagement.

    Credit Doctor - debtrelief - Updated May 2026

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