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Best Credit Repair Companies in Trenton, NJ

Our Recommended Top 11

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 Trenton 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.



11Top Picks

Learn about our selection process.


featured provider = Featured Provider

Trenton, NJ Rating

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

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


Trenton, NJ
Free Credit Report Consultation Rating

Review Sources

4.3 (2911)

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

1700 Market St, Ste 1005, Philadelphia, PA 19103 Rating

Review Sources

4.6 (23)
5.0 (1)

Why choose this provider?

i2i Credit Repair Company offers credit assistance to the residents of Trenton and its neighboring areas. The company has a team of experienced credit restoration consultants who identify and challenge unverifiable or erroneous information in customers' credit histories. They also educate customers on understanding their credit reports, implementing financial structures, and maintaining good credit to reach their financial goals. Likewise, the agency has an online portal where clients can access their accounts 24/7.

  • Credit Audit

1750 Brielle Ave A2, Ocean, NJ 07712 Rating

Review Sources

4.0 (21)

Why choose this provider?

Square One Credit Management provides services that promote the financial freedom of clients in and around the Trenton area. It settles credit-damaging records such as back taxes and overdue student loans or childcare payments. It also removes and challenges negative items on credit reports such as identity theft, bankruptcy, and foreclosures. Its services help clients achieve an average credit score increase of 105. The company has been providing credit repair solutions for more than 12 years.

  • Credit Dispute

PO Box 33293, Philadelphia, PA 19142 Rating

Why choose this provider?

Coast 2 Coast is a minority woman-owned company that helps improve the financial data of Trenton residents. It offers credit evaluation and repair services. The firm's procedure begins with a consultation and program enrollment. It then reviews clients' credit reports and sends dispute letters to the three credit bureaus on their behalf. It enforces clients' rights under FCRA, FDCPA, and FACTA to challenge items that have not been corrected. The business has years of experience in helping clients save resources by avoiding mistakes.

  • Credit Dispute

2060 Springfield Ave, Vauxhall, NJ 07088 Rating

Why choose this provider?

Transparent Credit Repair serves Trenton and several states in the U.S., as well as individuals and businesses. The company assists clients in restoring their credit scores and removing negative items from their credit reports such as medical collections, tax liens, debt negotiation, late payments, and charge-off accounts. Credit agencies also provide clients with a dispute investigation report. Credit boosters are also available and included products like Digital Credit Union, National Credit Direct, First Access Card, and Merrick Bank Secured Credit Card.

  • Credit Monitoring

447 W. Moreland Road, Suite 2B, Willow Grove, PA 19090 Rating

Review Sources

4.6 (65)
4.9 (38)

Why choose this provider?

Quality Credit Repair serves the financial improvement needs of individuals in Trenton and nearby locations. It develops personalized strategies to help clients restore their credit ratings. The company eliminates existing credit card debts to help customers acquire a new line of credit. Its specialists offer credit counseling services and assist debtors in regaining financial stability. They work with various credit agencies, including TransUnion, Experian, and Equifax. Quality Credit Repair has been in operation for over 20 years.

  • Credit Monitoring
  • Credit Dispute

100 Campus Town Circle, Ewing, NJ 08638 Rating

Why choose this provider?

Mcmillan Financials caters to clients in Trenton and the surrounding areas. It provides credit repair services to assist individuals in restoring and repairing their credit scores to meet their financial needs and goals. It also offers various services, including inquiries, derogatory accounts, remarks, and student loan removal to keep clients' credits clean. In addition to credit repair, the company serves business owners who wish to create LLC formation strategies and operating agreements solutions for their companies.

  • Credit Monitoring

NJ-73, Marlton, NJ 08053 Rating

Review Sources

4.8 (53)

Why choose this provider?

Select Us is a credit repair company that serves clients in Trenton and nearby areas. The firm offers consultations to evaluate each client's financial situation and credit scores and advise them on improving their overall credit situation. It provides credit repair coaching for individuals who aim to purchase a home or secure a mortgage. According to a past client, the firm's assistance proved helpful in obtaining home loans. Founder Chris Wisniewski has over 30 years of industry experience.

  • Credit Monitoring
  • Credit Audit

247 East Front Street Suite 202, Trenton, NJ 08611 Rating

Review Sources

4.8 (16)
5.0 (8)

Why choose this provider?

Trinity Solutions provides credit repair services in Trenton and the surrounding communities. It conducts consultations to create strategies on how business owners, families, and individuals can improve their credit scores. The enterprise offers solutions for FDCPA/FCRA violations and removes derogatory items related to tax liens, repossessions, bankruptcies, and unpaid loans. Its specialists also cater to mortgage brokers, loan officers, and employment firms. Trinity Solutions has been in operation since 2019. Its founders Andrew Smith and James Sacchetti bring over 30 years of combined industry experience.

  • Debt Consolidation

100 Overlook Center, Princeton, NJ 08540 Rating

Review Sources

5.0 (3)

Why choose this provider?

CHIC Financial Services, LLC, offers credit assistance to residents of Trenton and its neighboring areas. The company features a team of credit restoration professionals who identify and challenge unverifiable or erroneous information in customers' credit histories, helping them get better purchasing power, improve job opportunities, and lower finance charges on credit card balances and loans. Likewise, its credit counselors provide helpful tips to clients to help them maintain their good credit standing.

  • Credit Dispute
  • Debt Consolidation

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Trenton, NJFree Credit Evaluation
Lexington Law
Trenton, NJFree Credit Report Consultation
i2i Credit Repair Company
1700 Market St, Ste 1005, Philadelphia, PA 19103
Square One Credit Management
1750 Brielle Ave A2, Ocean, NJ 07712
Coast 2 Coast
PO Box 33293, Philadelphia, PA 19142
Transparent Credit Repair
2060 Springfield Ave, Vauxhall, NJ 07088
Quality Credit Repair
447 W. Moreland Road, Suite 2B, Willow Grove, PA 19090
Mcmillan Financials
100 Campus Town Circle, Ewing, NJ 08638
Select Us
NJ-73, Marlton, NJ 08053
Trinity Solutions
247 East Front Street Suite 202, Trenton, NJ 08611
CHIC Financial Services, LLC
100 Overlook Center, Princeton, NJ 08540


  • 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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