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Best Credit Repair Companies in Buffalo, NY

Our Recommended Top 4

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 Buffalo 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.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

Buffalo, NY Rating

Review Sources

4.8 (5317)
2.5 (23)

Why choose this provider?

Credit Saint is a team of credit score professionals assisting Buffalo residents. The company provides help in repairing and restoring credit scores. Included in the items the team disputes are foreclosures, judgments, late payments, charge-offs, and hard inquiries. The credit repair specialists challenge items that are misleading, biased, inaccurate, and unverifiable. Credit Saint offers three types of credit restoration packages. One of them includes a score analysis, a score tracker, creditor interventions, and challenges to three credit bureaus.

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


Buffalo, NY
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 Fountain Plaza, Buffalo, NY 14202 Rating

Review Sources

4.9 (47)
5.0 (13)

Why choose this provider?

My Boss Financial Solutions is a credit repair company that serves Buffalo. It helps its clients improve their credit scores through a comprehensive plan. This includes credit education and restoration, budgeting, and debt elimination. It also provides daily credit monitoring and credit score tracking. In addition, it offers access to credit and debt collection attorneys. For people who want to improve their credit scores on their own, the company has a DIY kit that contains instructions and templates.

  • Credit Audit

1643 Hertel Ave Ste 1, Buffalo, NY 14216 Rating

Review Sources

5.0 (10)

Why choose this provider?

Graham & Borgese is a law firm in the Buffalo area that specializes in credit repair and debt counseling. It provides consumer advocacy for those experiencing harassment or deceptive practices from lenders and collection agencies, and it offers consultation to determine when a consumer's rights have been violated. In-house attorneys represent those attempting to consolidate debts, and legal experts monitor the terms of all contracts and settlements to ensure optimal terms for consumers. Graham & Borgese also offers student loan debt counseling to determine if borrowers are eligible for student loan consolidation or rehabilitation. Bankruptcy litigation is provided as well.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Buffalo, NYFree Credit Evaluation
Lexington Law
Buffalo, NYFree Credit Report Consultation
My Boss Financial Solutions
50 Fountain Plaza, Buffalo, NY 14202
Graham & Borgese
1643 Hertel Ave Ste 1, Buffalo, NY 14216


  • 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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