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Best Credit Repair Companies in Jersey City, NJ

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Jersey City Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



9Top Picks

Learn about our selection process.


featured provider = Featured Provider

PO Box 110, Oakland, NJ 7436 Rating

Review Sources

4.8 (10602)
2.2 (30)

Why choose this provider?

Credit Saint is a credit restoration business in Oakland that also provides service to clients in Jersey City. The credit repair company's team helps clients fully understand their credit and determines as well as challenges negative items that are incorrect, unconfirmed, or fallacious. Credit Saint's team guides clients through a 3-step process from creating a credit monitoring account to reviewing credit history and then providing techniques to optimize credit reports.

  • Credit Repair
  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
Lexington Law logo


Jersey City, NJ
Free Credit Report Consultation Rating

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

  • Credit Repair
  • Consumer Credit Services

50 Harrison St, Ste 526, Hoboken, NJ 07030 Rating

Review Sources

5.0 (33)
5.0 (12)

Why choose this provider?

ARK Credit Professionals combines its over 15 years of financial education and coaching experience to repair and restore the clients' credit scores in Jersey City. The company helps both individuals and businesses achieve their financial independence through a variety of solutions, such as in-depth credit report analysis, personalized financial coaching, negative items removal, credit audit, and 24/7 credit monitoring. It collaborates with third-parties credit reporting agencies, including Equifax, Transunion, and Experian, for deletions, updates, and corrections.

  • Credit Audit

275 5th Ave Ste 704, New York, NY 10016 Rating

Review Sources

4.4 (39)
3.7 (3)

Why choose this provider?

Pinnacle Credit Management is a credit repair agency near Jersey City. The experts boost credit by analyzing reports, providing full audits, preparing reports customized to clients' financial needs, and building a solid credit report. They are experienced in removing inaccurate information on credit reports and work with all three credit bureaus as well as Chexsystems. The firm has personal credit mentors who provide financial coaching and teach individuals how to maintain a high credit score.

6012 Jackson St, West New York, NJ 07093 Rating

Review Sources

4.4 (13)
5.0 (3)

Why choose this provider?

NJ Credit Repair assists consumers in Jersey City in achieving their financial goals by improving their creditworthiness. Through consultation with individuals, its agents analyze and identify negative items that damage their scores. They offer monthly packages of credit repair solutions for individuals and couples that include tactics for disputing these errors with the three bureaus. They also offer education on how to improve and rebuild their credit. In addition, they update customers' portals with the improvement results every 30 days.

  • Credit Monitoring

2060 Springfield Ave, Vauxhall, NJ 07088 Rating

Why choose this provider?

Transparent Credit Repair helps individuals in Jersey City and the surrounding areas get a better credit rating. The company provides credit education and document processing services that can improve a client's credit score. Its team files dispute on behalf of clients to remove negative items like late payments, charge-offs, evictions, repossessions, tax liens, and collections from their credit report. Through the company's partnership with the three major credit bureaus, clients can have the dispute investigation reports sent to their addresses.

  • Credit Dispute

70 Greene St, Jersey City, NJ 07302 Rating

Review Sources

4.9 (307)
3.9 (7)

Why choose this provider?

Apex Credit Fix is a professional credit repair company in Jersey City helping to improve credit scores for consumers. Its analysts read through credit reports to identify any negative issues and devise a customized financial plan. The repair company works with credit agencies to have any collections, late payments, identity theft, and bankruptcies removed from a client's credit history. Additionally, Apex Credit Fix gets in touch with the major credit bureaus to make sure the changes have been made.

130 Rumford Ave., Suite 202, Jersey City, NJ 02466 Rating

Review Sources

5.0 (359)
4.9 (153)

Why choose this provider?

American Consumer Credit Counseling, Inc. is a licensed non-profit organization that serves individuals and families in Jersey City. For more than 30 years, it has been helping clients eliminate their debts quickly and reduce their monthly interest rates by providing confidential debt consolidation services. Its counselors explain the debt consolidation options to clients and identify their suitable plans. Additionally, they offer counseling services for credit, bankruptcy, student loans, and housing. The company is a member of the National Foundation for Credit Counseling.

  • Debt Consolidation
  • Credit Monitoring

17 State St, Financial District, New York, NY 10004 Rating

Review Sources

4.0 (1)
5.0 (1)

Why choose this provider?

Pyramid Credit Repair provides credit repairs services near Jersey City. With options available for both singles and couples, the agency employs a three-step system to restore credit and increase future lines of credit. Each plan is tailored to clients' needs, and credit experts investigate credit reports to identify inaccurate financial defects. The agency then files the appropriate paperwork to dispute the inaccuracies, including foreclosure and bankruptcy errors, with creditors and credit bureaus.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
PO Box 110, Oakland, NJ 7436Free Credit Evaluation
Lexington Law
Jersey City, NJFree Credit Report Consultation
ARK Credit Professionals
50 Harrison St, Ste 526, Hoboken, NJ 07030
Pinnacle Credit Management
275 5th Ave Ste 704, New York, NY 10016
NJ Credit Repair
6012 Jackson St, West New York, NJ 07093
Transparent Credit Repair
2060 Springfield Ave, Vauxhall, NJ 07088
Apex Credit Fix
70 Greene St, Jersey City, NJ 07302
American Consumer Credit Counseling, Inc.
130 Rumford Ave., Suite 202, Jersey City, NJ 02466
Pyramid Credit Repair
17 State St, Financial District, New York, NY 10004


  • How long does a repo stay on your credit report?

    A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

  • Do credit repair companies work?

    Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

  • How long does it take to repair credit?

    Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

    • Inaccurate late payment: 30-45 days
    • Inaccurate missed payment: 30-45 days
    • Numerous issues from multiple creditors: A few months
    • Fraud or identity theft: Several months to a year or more
    • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process
  • Can I repair my own credit?

    Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

  • Can credit repair companies remove charge offs?

    Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

  • Can credit repair companies remove bankruptcies?

    A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

  • Can a credit repair company remove late payments?

    Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

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