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Best Credit Repair Companies in Newark, NJ

Our Recommended Top 10

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 Newark 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.



10Top Picks

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featured provider = Featured Provider

Newark, NJ Rating

Review Sources

4.8 (10602)
2.2 (30)

Why choose this provider?

Credit Saint is a credit repair company in Newark that has been providing comprehensive services for more than 15 years. It aims to educate clients on the process of credit filing and offer programs that are tailored to their unique needs. Credit repair packages come in different levels, depending on the clients' credit standing. These include challenging unlimited or specific numbers of inaccurate items on credit reports. Professionals at this company also help clients track their credit by creating a monitoring account for them.

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


Newark, 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.

  • Consumer Credit Services
  • Credit Repair

72 Burroughs Pl, Bloomfield, NJ 07003 Rating

Why choose this provider?

Since 2008, Leaf Credit Solutions has provided credit repair services for home buyers and entrepreneurs in the Newark area to help them improve their credit scores. The company assists with the removal of charge offs, collections, repossessions, student loans, and foreclosures from clients' credit reports. Its employees are conversant with consumer protection laws, including FCRA. They help clients build a customized plan to address incorrect and obsolete items on their credit reports, setting them up on a plan to achieve financial freedom. The firm provides credit counseling, credit education, and debt settlement services. Leaf Credit Solutions also assists with credit and identity protection.

506 W Mt Pleasant Ave, Livingston, NJ 07039 Rating

Review Sources

5.0 (9)

Why choose this provider?

Master Credit Academy caters to clients in Newark and the neighboring cities. It helps individuals manage their credit scores by providing credit report audits and analyses, financial consultations, and credit strategies. It removes inaccurate and unverifiable items on clients' credit history to improve or restore their credit scores. The company's team also educates and guides clients in using their credits. Master Credit Academy gives clients a chance to access their credit repair process through its 24/7 client portals.

  • Debt Consolidation

2478 Coney Island Ave 2nd Floor, Brooklyn, NY 11223 Rating

Why choose this provider?

Credit Boost and Repair caters to customers in the Newark metro and the surrounding areas. It helps clients improve their credit score by addressing the factors affecting it, including amounts owed, payment history, and types of credit in use. Its consultants dispute negative items from credit reports, such as bankruptcies, chargeoffs, closed accounts, garnishments, late payments, and repossessions. They also provide estate planning and trade lines credit enhancement. The company has been in business since 2019.

  • Credit Audit

889-891 Clarkson Ave., Brooklyn, NY 11203 Rating

Review Sources

4.8 (18)
5.0 (14)

Why choose this provider?

Ebony Credit Solutions helps clients in Newark restore their good credit standing. The firm provides a program that evaluates credit reports, disputes damaging and erroneous credit items, and eradicates these from credit reports. These contestable items may include derogatory marks like charge-offs, tax liens, and bankruptcies. The company also provides constant education on managing finances, raising credit scores, settling debts, and when needed, dealing with debt collectors. Ebony Credit Solutions is a member of the Credit Consultant Association.

  • Credit Audit

596 Scotland Rd, Orange, NJ 07050 Rating

Review Sources

4.8 (22)

Why choose this provider?

Validity LLC is a professional credit repair company near Newark that has served clients since 2010. Its financial experts provide individualized attention and counseling services to clients seeking to restore their credit standing and improve low credit scores caused by outstanding debt issues that prevent clients from obtaining loans and new lines of credit. The firm assists in the removal of negative items on credit histories, such as collection accounts, late payments, tax liens, and foreclosures, resulting in increased credit scores. Validity also provides a full range of financial services that include bookkeeping, business consulting, tax preparation, and payroll assistance.

48 Ocean St, Millburn, NJ 07041

Why choose this provider?

Credi-Care Inc. is a credit service organization based in Newark. It has been offering comprehensive credit restoration services since the late 1980s and prides itself on forming positive relationships with its clients. With an understanding for each client's unique financial situation, the organization's credit repair experts work closely with clients to identify and remove inaccurate or outdated negative information from clients' credit reports. Its team does this by using its extensive research in consumer credit laws to create personalized repair or restoration plans. In addition to removing inaccuracies, Credi-Care Inc's programs are tailored to negotiate or resolve nearly any credit or lending situation, including bankruptcies, mortgages, judgments, late pays, and collections.

37-42, Suite# D, 72nd Street, Jackson Heights, NY 11372 Rating

Review Sources

4.7 (25)
5.0 (14)

Why choose this provider?

Core Multi Services serves individuals and businesses in Newark and the surrounding locations. Its team offers credit repair services that include the removal of negative items from clients' credit reports, such as tax liens, late payments, and foreclosures. Its staff identifies gaps and unexplored opportunities in the profiles of clients to increase their credit scores. Core Multi Services' aim is to educate and equip consumers with the knowledge they need to make sound financial decisions.

  • Credit Dispute

1499 W 121st Ave Ste 300, Westminster, CO 80234 Rating

Review Sources

1.5 (40)
3.7 (6)

Why choose this provider?

National Credit Care is a credit repair company serving the Newark area. It helps improve clients' credit histories by seeking out and working to remove instances of credit inaccuracies, errors, and fraud. Representatives use a personalized process to determine each client's goals and needs. They carefully review each client's credit history to identify areas of strength and areas that need repair, contacting credit bureaus on clients' behalf. National Credit Care works with mortgage brokers and lending professionals, who refer clients rejected due to bad credit in order to improve their credit scores. Free resources relating to financial health are available on the company's website.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Newark, NJFree Credit Evaluation
Lexington Law
Newark, NJFree Credit Report Consultation
Leaf Credit Solutions
72 Burroughs Pl, Bloomfield, NJ 07003
Master Credit Academy
506 W Mt Pleasant Ave, Livingston, NJ 07039
Credit Boost and Repair
2478 Coney Island Ave 2nd Floor, Brooklyn, NY 11223
Ebony Credit Solutions
889-891 Clarkson Ave., Brooklyn, NY 11203
Validity, LLC
596 Scotland Rd, Orange, NJ 07050
Credi-Care Inc
48 Ocean St, Millburn, NJ 07041
Core Multi Services
37-42, Suite# D, 72nd Street, Jackson Heights, NY 11372
National Credit Care
1499 W 121st Ave Ste 300, Westminster, CO 80234


  • 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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