If you want help improving your credit scores or navigating your credit situation, there just is nobody better than Shiva at Tier One. So kind, so helpful, and in my experience at least, so fast! He was able to be incredibly responsive and helpful for me. I was able to rest so much easier after a few minutes talking to Shiva. I'll always recommend him for anybody having trouble with their credit. read more

I had several legal questions and needed guidance on different options, and Shiva Bhaskar was incredibly helpful from start to finish. Shiva took the time to thoroughly explain everything, break down my options, and help me understand the best paths forward. His knowledge, clarity, and honesty helped make a very stressful situation, easier to navigate. What really stood out was how genuine and invested he was in helping, rather than making me feel like any other client. If you're looking for someone who truly cares and goes above and beyond, I highly recommend Tier One Credit. read more

Tier One Credit has stonewalled me for nearly a year. Google reviews are my last resort to express my frustration--they gave me no choice. In October 2023, I decided to fix my credit to buy a home. I went to Reddit's credit community, where I was referred to u/creditwizard. I hired Tier One Credit Law Firm, unaware I was relinquishing my rights to my own finances. They didn't disclose this. When I signed up, I was under the impression that they would assist me in removing negative items from my credit. I soon realized they had far broader control over my finances. u/creditwizard/Tier One Credit had a strong presence in the community, so I trusted them. I signed the contract and paid the $527 fee. Tier One Credit was involved in the reparation of my credit for most of 2024, removing some negative items--except one. In the initial consultation, Shiva Bhaskar promised any left would lead to a refund. By July 2024, they went silent for months. I wanted closure and the refund they promised. September 12, I contacted Discover Card. The representative told me Tier One had power of attorney over my account. I couldn't make changes or receive customer service without their presence. I was told to request a "drop request" from the firm. This POA also affected my notifications going forward. As a result, for the first time, I had a late payment. I called the law firm at 1:04 PM MST. I was met with an aloof woman who claimed no one was there but took a message. When I pressed for information, she instantly shut down, like guarding a secret. On September 14, I lost my Premier credit card. When I called for a replacement, I was told the same: Tier One Credit Law Firm had POA over my account. My hands were tied. The following Monday, at 2:14 PM MST, I followed up. The receptionist's evasiveness compelled me to record the call for protection. I informed her, but she continued claiming her "colleague" failed to leave the previous message. It was clear that these messages were just procedure and a performance on the law firm's behalf. I demanded answers. I. Got. Silence. It also became clear why I couldn't access my Experian credit report since April 2024. Random addresses and PO Boxes prevented Experian from verifying my identity. To this day--February 2, 2025--I still can't access it. Despite disputes and proof of my correct address, Tier One's addresses remain. They could've fixed this easily. This issue cost me my dream home. When my loan officer tried to pull my Experian report, it was locked due to the address discrepancy. I lost the house I'd searched for over two years. Tier One didn't just affect me--they affected my whole family. Their negligence will have life-lasting consequences. In October 2024, desperate to regain control, I sent a cease and desist letter via certified mail, demanding they stop actions under the power of attorney and refund me fully. Shortly after, the letter was returned. Why? They demolished their office. Shady. I also attempted to get access to our contract from DocuSign, but they had already beat me. It was wiped. After months of fighting, I regained control of my finances and revoked their fraudulent POA. It took months without their cooperation. Their assistance would've cost them nothing. Their lack of cooperation cost me time, money, and sanity. I checked u/creditwizard's profile. They're still active, still hunting for victims. It's clear this firm values profit over integrity. They take your money, then discard you. In my cease and desist letter, I outlined demands, and I've forced their hand on two. These remain: 1. Correct inaccuracies on my Experian credit report, removing their address. 2. Refund the $577 fee, along with any undisclosed charges for their failure to be transparent and the stress they caused. This is my only shot at justice. I hope Tier One Credit learns integrity and doesn't abandon clients once paid. But I won't hold my breath. Stay far away from them. Thank me later./ read more

Tier One Credit - Payment - Debt Relief Services Near Me - Torrance, California

Tier One Credit and their legal tag-team champs, Attorney Shiva Bhaskar and Mike Cardoza, are the heroes my credit score didn't deserve but desperately needed. My credit reports looked like a toddler's finger-painting experiment--errors everywhere, chaos reigning supreme. I tried fixing it solo, but let's just say my skills were less "DIY guru" and more "guy who accidentally glues his hand to the table." Then I found these credit-crunching ninjas online. They dove in, disputed the gibberish for zero bucks (yep, gratis, zip, nada!), and when the errors clung on like stubborn barnacles, they hauled out the big guns--lawsuits against a couple of those smug credit bureaus, faster than you can say " Transunion, who? One bureau folded faster than a lawn chair in a hurricane, scrubbed my accounts cleaner than a germaphobe's kitchen, and slipped me some sweet "please don't tell anyone" cash--jackpot, baby! The other one, though? They strutted into court like they were auditioning for "Credit Villains: The Reckoning." I rolled up with Shiva and Mike, basically holding a bucket of popcorn. They didn't even blink; they outmaneuvered those suits like chess grandmasters, negotiating with swagger and laying out my case like it was a Michelin-starred story., landing me a settlement so juicy I could've bought a yacht (okay, maybe a kiddie pool, but still). Shiva, my guru of chill, broke down the courtroom craziness for me-- your pal who thinks a "subpoena" is a sandwich -- all while having the patience of a saint and the vibe of a buddy who's got your back, making me feel less like a client and more like his VIP plus-one. The credit bureaus' lawyers, though? Picture a pack of weasels in cheap suits--unprofessional, whiny, and about as charming as a fart in an elevator. Mike and Shiva? Didn't even flinch. They danced circles around those clowns, negotiating like they were haggling for the last slice of pizza and spinning my case like it was a stand-up special. I used to think lawyers for credit fixes were as absurd as pineapple on pizza (fight me), but now I'm like, "Why didn't I call these legends sooner?!" If your credit's a dumpster fire and you're tired of juggling flaming hoops, Tier One's your extinguisher. Dial 'em up, and send me a thank-you fruitcake! read more

My experience with Shiva was absolutely amazing ! He was able to remove difficult items off my credit, and because of his hard work he was able to get my credit score excellent. Shiva is very carrying , knowledgeable, and responds to any concerns super fast , best communication skills and in my opinion the best person I worked with to get my credit score in good shape. I'm so lucky for Tier one team. Shiva will go above and beyond. He is very honest. I highly recommend! Best wishes read more

Great service. I met with Shiva in-person who assisted with my case. Shiva provided multiple options with detailed information as to how each option would go toward my goals. read more

I was calling Tier One Credit seeking assistance for my daughter and the kind person that answered the phone was so down to earth I was pleased to learn that I was speaking with Shiva himself! He spoke to me as if we've known each other for years! I even had questions regarding my credit journey he assisted me as well! He was very patient with me and answered all my questions, he is very easy to talk to! I'm looking forward to doing more business with Shiva in the near future! If you need any help with credit issues give Tier One Credit a call you will not be disappointed! read more

Attorney Bhaskar was amazing! I reached out to him due to an error on my mother's credit report, which she has spent hours upon hours trying to fix. He gave such great advise and was prompt in getting back to us. He handles everything from credit correction to filing lawsuits to protect your financial information. Anything to do with credit, from protection to repair, this is your guy! read more