WHY CHOOSE US



Let Us Help You Fix Your Bad Credit!

POOR

Someone applying for a $200,000 mortgage with bad credit likely can’t qualify for regular rates and may only qualify for rates much higher (6%) than the current average rate.

On a car loan of $25,000, a person with a bad score is not offered lower interest rates and instead is only offered a loan at 15% over 60 months. This loan will cost nearly $35,700 over the life of the loan for a $25,000 car.

Home and auto insurance cost an average of $5,300 per year.

FIX IT
GOOD

On a $200,000 mortgage, a person with good credit could be eligible for an interest rate of 4% or lower.

The same car loan of $25,000 at 3% over 60 months will only cost $26,900 over the life of the loan.

Insurance on the same car and home as quoted above will cost an average of $3,800 per year.


EDUCATION
POOR

Someone applying for a $200,000 mortgage with bad credit likely can’t qualify for regular rates and may only qualify for rates much higher (6%) than the current average rate.

On a car loan of $25,000, a person with a bad score is not offered lower interest rates and instead is only offered a loan at 15% over 60 months. This loan will cost nearly $35,700 over the life of the loan for a $25,000 car.

Home and auto insurance cost an average of $5,300 per year.

FIX IT
GOOD

On a $200,000 mortgage, a person with good credit could be eligible for an interest rate of 4% or lower.

The same car loan of $25,000 at 3% over 60 months will only cost $26,900 over the life of the loan.

Insurance on the same car and home as quoted above will cost an average of $3,800 per year.


EDUCATION

TETIMONIALS

  • Karl Perry II
    Karl Perry II, San Francisco CA “EASTBAY VIRTUAL SERVICES, LLC” is an exceptional institution in that my needs were properly assessed, & my expectations were exceedingly achieved.
    Karl Perry II
  • Lachita Tyson, Union City CA
    I was referred to this company by my auntie and was real skeptical on using the service, but when I started receiving my credit reports with many deletions in about 30 days I was excited and started telling everyone I knew, I recently bought 2 new cars one for myself and one for my mother. Thanks Melissa!
    Lachita Tyson, Union City CA
  • Malik Macklin, Pittsburg, CA
    I started with IYC back in 2003 when my credit score was 520, within 6 months my score shot up to 690 with previous late payments being removed, even my 60 day child support late was removed from my credit file, I am amazed and have referred this company to all my friends and family.
    Malik Macklin, Pittsburg, CA
  • Karl Perry II, San Francisco CA
    EASTBAY VIRTUAL SERVICES, LLC” is an exceptional institution in that my needs were properly assessed, & my expectations were exceedingly achieved.
    Karl Perry II, San Francisco CA
  • Steve Goodrich, Brentwood, CA
    I thought it was the end of the world when I received my declination in the mail regarding my home loan the loan officer told me my middle score was 556, then he referred me to “Eastbay Virtual Services, LLC” for help, and boy was I skeptical, but in the end my scores went up to 678, I can get 100% financing now.
    Steve Goodrich, Brentwood, CA
  • Gilbert Martinez, Fairfield, CA
    Eastbay Virtual Services, LLC” credit services were a big hit for me! I went from a five hundred score to well over 650 in a very short time and still climbing.
    Gilbert Martinez, Fairfield, CA
  • Paul Shafhagi-Vallejo CA
    Truly you are a good friend and also an expert in your job! I would like to take this time and thank you for your help. Our credit score has gone up and most of our negative credit has been dropped. You have made such a positive effect on our life. Now, with this good credit history we can get better interest rates and most of all the respect that we deserve and I love it, thanks a million to you my friend and God bless you. Also to add my score is well over 700 now
    Paul Shafhagi-Vallejo CA
  • Mark Woodfolk-Hayward, CA
    I Went from a 598 to a 754 within 6 months of using Eastbay Virtual Services, LLC, I have referred all my family to Melissa, now my sister is using her services currently
    Mark Woodfolk-Hayward, CA
  • Andre Fikes- Oakland, CA
    Went from a 560 score to well over 700 within 4 months, I was able to obtain several credit cards I was denied for in the past- (510)932-8470
    Andre Fikes- Oakland, CA
  • Lachita Tyson, 2007 Union City CA
    I was referred to this company by my auntie and was real skeptical on using the service, but when I started receiving my credit reports with many deletions in about 30 days I was excited and started telling everyone I knew, I recently bought 2 new cars one for myself and one for my mother.
    Lachita Tyson, 2007 Union City CA
  • Malik Macklin,2010 Pittsburg, CA
    I started with IYC back in 2003 when my credit score was 520, within 6 months my score shot up to 690 with previous late payments being removed, even my 60 day child support late was removed from my credit file, I am amazed and have referred this company to all my friends and family.
    Malik Macklin,2010 Pittsburg, CA
  • Gilbert Martinez, 2004 Fairfield, CA
    “Eastbay Virtual Services, LLC” credit services were a big hit for me! I went from a five hundred score to well over 650 in a very short time and still climbing.
    Gilbert Martinez, 2004 Fairfield, CA
  • Went from a 560 score to well over 700 within 4 months, I was able to obtain several credit cards I was denied for in the past- (510)932-8470
    Andre Fikes-2016 Oakland, CA
  • I Went from a 598 to a 754 within 6 months of using Eastbay Virtual Services, LLC, I have referred all my family to Melissa, now my sister is using her services currently
  • Truly you are a good friend and also an expert in your job! I would like to take this time and thank you for your help. Our credit score has gone up and most of our negative credit has been dropped. You have made such a positive effect on our life. Now, with this good credit history we can get better interest rates and most of all the respect that we deserve and I love it, thanks a million to you my friend and God bless you. Also to add my score is well over 700 now
    Paul Shafhagi-2012 Vallejo CA