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Free review
We go through your credit reports with you and flag every error and negative item that's dragging your score down.
San Diego based · serving clients nationwide
Fix your credit.
Fix your credit.
Reclaim your future.
For decades we've helped people across San Diego and the surrounding areas — and clients nationwide, remotely — remove inaccurate collections, late payments, charge-offs and hard inquiries, and rebuild the score that opens doors. Honest guidance, plain English, real results.
And when it's needed, we go further — we negotiate to settle eligible debts, or take legal action, to make things right.
Trusted by San Diego homeowners, drivers & dreamers
Free credit consultation
$300 valueTell us where you're at. We'll review your report and map out your options — no obligation.
No credit card. We never sell your data. Privacy.
What we challenge
The negative items we help remove
If it's inaccurate, outdated, or can't be verified, it doesn't belong on your report. Here's what we dispute most.
Collections
Late payments
Charge-offs
Hard inquiries
Repossessions
Inaccurate personal info
Other inaccuracies
Simple process
How we fix your credit
No jargon, no runaround — a clear, step-by-step process from your first call to a healthier score.
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We dispute
We formally challenge inaccurate, outdated, or unverifiable items with all three credit bureaus and the original creditors — and handle the back-and-forth for you.
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We negotiate if needed
When a debt is valid but negotiable, we work to settle eligible balances for the lowest amount we can reasonably secure on your behalf.
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We escalate if needed
If a creditor or bureau keeps reporting wrong information, our affiliates can take it further — including small-claims action — to enforce your rights under the Fair Credit Reporting Act.
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Your score climbs
As inaccurate items come off and your profile strengthens, your score climbs month over month. Where it helps, we may add a new credit line or authorized-user account to boost your score further — and we coach you on the habits that keep your credit strong long term.
The goal
Watch your score climb
Before
540
Poor
After
720
Good
Illustrative range only. Individual results vary — we never guarantee a specific score.
Why Fix No Risk
Why San Diego trusts us with their credit
Decades of experience
We've seen every kind of report and know what actually moves the needle.
Straightforward
Plain-English advice and honest expectations — no confusing fine print.
No pressure
We earn your trust before you spend a dollar. Decide on your timeline.
Long-term focus
We fix the root issues so your score stays healthy, not just for today.
Meet your credit expert
Work directly with Mel Zadeh
For over 20 years, Mel Zadeh has helped San Diego families — and clients across the country — repair their credit and take back control of their finances. When you call Fix No Risk, you work directly with Mel: no call centers, no runaround, just straight answers from someone who treats your credit like it's his own.
Our promise: we don't ask for payment until the work is done. It's the first thing our clients tell their friends about.
Visit our San Diego office
We're a real, established local office — not a faceless online service. Come in, sit down, and talk through your credit in person.
16776 Bernardo Center Dr #212E, San Diego, CA 92128
Real results
What our clients say
Real, verified 5-star reviews from people Mel has helped.
"Mel Zadeh is THE BEST!!! I have a 799 score now, and before I called Mel I was as low as 525. I called every credit repair company to compare — Baby Boomers is the most ethical to work with. They don't accept your payment until the job is complete!!!"
Cerritos, CA
"Every time I called, he would respond within 10 minutes. Mel was the only one willing to help me without paying the fee first. In a very short time he removed the late fee and my score went up again."
San Diego, CA
"Honesty, transparency, professionalism, and incredible value. Mel works on fixing your credit problems as if it was his own. He could've easily overcharged me, but that's not what this company is about. I'm a customer for life."
Mineola, NY
"Mel has helped me achieve a great credit score. He's very professional and targets the bad areas of your report with a clear plan of action. I'd definitely recommend Baby Boomers to anyone looking to raise their score."
San Diego, CA
"They helped me clean up my credit in a very short time — very straightforward, no fine print to worry about. They performed exactly what they said and went above and beyond for me. Thank you Mel!"
Los Angeles, CA
"Mel & Jay are miracle workers. They are honest, knowledgeable and assertive in their field. Thank you again for your help."
West Hollywood, CA
Good to know
Credit repair questions, answered
How long does credit repair take?
Many clients see the first changes within 30 to 45 days. A typical engagement runs three to six months, depending on how many items are on your report and how the bureaus respond.
How much does it cost?
Your first consultation is completely free. We explain any pricing clearly and up front before you ever commit — no surprises and no pressure.
Is credit repair legal?
Yes. Under the Fair Credit Reporting Act you have the right to dispute inaccurate, outdated, or unverifiable items on your credit report. We simply help you exercise that right correctly and effectively.
Can you guarantee a specific score?
No — and you should be cautious of anyone who does. Results depend on what's actually on your report. We focus on removing inaccurate items and building habits that improve your score for the long term.
What can you remove from my report?
We dispute inaccurate or unverifiable collections, late payments, charge-offs, hard inquiries, repossessions, and incorrect personal information.
Do you only serve San Diego, or nationwide too?
Both. We help clients across San Diego and nearby communities such as Chula Vista, El Cajon, Escondido and Oceanside in person — and we work with clients anywhere in the United States remotely by phone, email and secure document sharing.
Ready to take control of your credit?
Free consultation · no pressure · San Diego based, serving clients nationwide