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Best Credit Repair Companies in New York, NY

Our Recommended Top 18

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored New York 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.

5902Reviewed

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18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

New York, NY

Expertise.com Rating

Review Sources

Google
4.8 (10602)
Yelp
2.2 (30)

Why choose this provider?

Credit Saint is a New Jersey-based credit restoration company serving clients in New York City. Its team of specialists repairs clients' credit by challenging unverifiable, incomplete, misleading, untimely or inaccurate items. The company also provides assistance in helping clients fully understand their credit. Credit Saint offers packages with different price points and different quantities of inaccurately reporting items to cater to clients' individual situations. The company has been in the industry for more than 15 years.

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

Lexington LawExpertise.com

New York City, NY
Free Credit Report Consultation

Expertise.com 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

445 Central Avenue, Suite 108, Cedarhurst, NY 11516

Expertise.com Rating

Review Sources

Google
5.0 (32)
Facebook
5.0 (1)

Why choose this provider?

IM Law Group is a team of legal experts that serves clients in New York City. They help improve credit scores through credit report analysis. The team works to remove inaccurate information from credit reports by negotiating with collection agencies. They also deal with bankruptcy and guides clients on the process of debt settlement. The team's other practice areas include family law. Igor Meystelman, the firm's managing partner, is a New Jersey State Bar Association member. He has been representing clients since 2012.

  • Credit Dispute

241 W 30th St Fl 3, New York, NY 10001

Expertise.com Rating

Review Sources

Google
4.7 (106)

Why choose this provider?

United Settlement offers credit repair services in New York to individuals and businesses seeking ways to better handle their debt. It counsels clients on professional debt relief programs they can avail to settle and manage outstanding debts, consolidate loans, and pursue bankruptcy settlements. The agency helps clients better understand their financial options in order to restore their credit standing and improve credit scores. It also negotiates better loan and credit card repayment plans, helping clients rebuild their credit in the future.

14708 235th St, Rosedale, NY 11422

Expertise.com Rating

Review Sources

Yelp
5.0 (22)
Google
5.0 (20)

Why choose this provider?

Premier Credit Plus is a financial and tax advisory services firm near New York that assists clients in rebuilding their credit and settling debts. After analyzing credit reports, its consultants design a plan that fits the client's financial goals. The company sends out dispute letters to challenge any questionable information with the credit bureaus, creditors, and debt collectors. Premier Credit Plus keeps clients updated and offers weekly education on how to retain a good credit standing.

585 Stewart Avenue, Suite 645, Garden City, NY 11530

Expertise.com Rating

Review Sources

Google
4.5 (135)

Why choose this provider?

Y2K Credit Solutions is a credit repair provider operating in New York City. With over 20 years of industry experience, the company's credit analysts utilize industry-standard methods to help clients restore their financial health and improve their credit scores. Y2K Credit Solutions' team deals with late payments, foreclosures, repossessions, and negative settlements to address inaccuracies in a customer's financial reports. Its comprehensive deletion model terminates negative and unsatisfactory commentaries to boost customers' credit reports.

  • Credit Monitoring
  • Credit Audit

275 5th Avenue, Suite 704, New York, NY 10001

Expertise.com Rating

Why choose this provider?

Pinnacle Credit Repair is a full-service firm in New York City that works with all three credit bureaus and ChexSystems. It helps clients with credit reports reflecting tax and judgment liens, late payments, evictions, medical bills, and repossessions. Using machine learning and federal procedures, the firm analyzes credit reports, files disputes through the ACAT system, then provides its clients with credit-building strategies by mentors. Pinnacle Credit Repair also specializes in personal or business funding and has been in the industry for over 30 years.

  • Credit Monitoring

252 w 31st Street, New York, NY 10001

Expertise.com Rating

Review Sources

Facebook
5.0 (71)
Google
5.0 (8)

Why choose this provider?

Berr Credit Up is a credit repair company serving people throughout New York City. It focuses on assisting individuals in maximizing their credit scores to achieve their goals. Its professionals assess clients' credit and advise them on how to assert their legal rights. The company also works with credit bureaus and clients' creditors to dispute negative report items that impact their credit score. Berr Credit Up gives clients access to their accounts 24/7 for real-time updates on the status of their credit reports and scores.

  • Unconditional Money Back Guarantee

70 E Sunrise Hwy Ste 500, Valley Stream, NY 11581

Expertise.com Rating

Review Sources

Google
4.1 (13)
Yelp
5.0 (1)

Why choose this provider?

Credit Advisors Council is a local New York credit repair company that helps consumers get their finances back on track. Its credit counselors review a client's financial situation and suggest what services are available to repair their credit. Working with creditors, the company challenges any negative items and has inaccurate information removed or corrected. Credit Advisors Council also finds the right credit repayment plans that allow a client to pay off their outstanding debts.

3723 72nd St # 2, Jackson Heights, NY 11372

Expertise.com Rating

Review Sources

Facebook
4.3 (5)

Why choose this provider?

Ultra Credit Solutions is a locally operated credit repair company that helps businesses, families, and individuals in the New York area improve their credit scores. It performs an in-depth analysis of credit reports and develops personalized plans that include sending letters to dispute inaccurate items with all three credit bureaus. The firm handles late payments, charge offs, bankruptcy, inquiries, foreclosures, and tax liens. In addition to credit education and debt management plans, clients may benefit from credit coaching and personal credit audit services.

11900 Biscayne Blvd Ste 801, North Miami, FL 33181

Expertise.com Rating

Review Sources

Facebook
4.3 (39)

Why choose this provider?

Founded in 2010, Safe Credit Solutions Inc. is a credit repair company that helps clients improve their credit scores. The company works to correct or completely remove negative, inaccurate, or outdated items from the credit reports of its clients. Safe Credit Solutions Inc. provides clients with weekly updates and works quickly to achieve results. The company also helps stop collections harassment and offers practical advice on how to build credit.

1635 Avenue A,, New York, NY 10009

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Founded in 1974, Consumer Credit Counseling Service is a nonprofit financial agency in New York that helps individuals repair their credit. Its coaches can review a client's credit report, answer any questions, and recommend how to improve their credit scores. The agency assists with disputing faulty negative items found on the credit reports with the credit bureaus. Working with a client's creditors, Consumer Credit Counseling Service also creates a more manageable monthly payment plan.

195 Plymouth St Fl 2, Brooklyn, NY 11201

Expertise.com Rating

Review Sources

Yelp
4.5 (17)
Google
1.0 (1)

Why choose this provider?

Credit Pro Repair is an expert credit repair agency that has helped people in New York manage their credit and finances since 2007. Its experienced consultants review credit reports with clients to find any negative items and devise an effective repair plan. The company works with the credit bureaus and creditors to have inaccurate charge-offs, late payments, and inquiries deleted. Credit Pro Repair allows its clients to log in to their accounts and see the progress being made.

1015 Surf Ave, Brooklyn, NY 11224

Expertise.com Rating

Review Sources

Google
3.8 (6)
Facebook
5.0 (1)

Why choose this provider?

Credit Repair Plus is a financial services firm near New York that has specialized in credit restoration since 2007. During a free consultation, its advisors review credit reports and establish a plan to improve a client's credit score. The firm writes and sends dispute letters to the major credit bureaus to have inaccurate information removed or fixed. Credit Repair Plus also offers an identity optimization service that protects a client's personal information and disputes any questionable credit inquiries.

399 Knollwood Rd, White Plains, NY 10603

Expertise.com Rating

Review Sources

Google
5.0 (53)
Facebook
5.0 (51)
Yelp
3.0 (1)

Why choose this provider?

North Shore Advisory Inc serves clients in the metro of New York City who are in need of credit repair. It renders services such as personal credit restoration, credit building, and credit monitoring. It helps clients improve and change information on their credit reports that reduce credit scores. It gives clients access to resources that teach them how to build credit and increase credit scores. It also assists businesses that are in need of credit repair services.

  • Credit Monitoring

35 W 35th St Rm 401, New York, NY 10001

Expertise.com Rating

Why choose this provider?

Credit Servicez is a credit repair company in New York with a history of increasing clients' credit scores by an average of 60 to 90 points. Its financial experts work together with individual clients, creditors, and the three credit bureaus to help improve credit scores. The company offers personalized consultations and assists in the removal of inaccurate, outdated, and unverifiable credit report items, such as collections, late payments, charge offs, and bankruptcies.

41 Madison Ave, New York, NY 10010

Expertise.com Rating

Review Sources

Google
4.0 (14)

Why choose this provider?

Churchill Credit Solutions is a credit repair agency in New York that has helped individuals and businesses resolve debt issues and alleviate financial pressures for more than 10 years. Its data-driven debt management services provide clients with financial well-being, which leads to credit restoration and improved credit scores, enabling better access to home, auto, and business loans at lower rates. The agency's experienced financial professionals and associated legal network work in tandem to negotiate debt settlements and help clients achieve financial stability.

900 South Ave Suite 300, Staten Island, NY 10314

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Sherpa Credit knows every nook and cranny of the credit industry. Our professionals have spent decades assisting people gain access to the credit they need and deserve, regardless of their starting point. They’re familiar with both sides of the aisle, working for creditors and consumers alike. Additionally, they are committed to staying on top of the ever-shifting terrain that is credit repair, ensuring that their efforts remain effective. Our mission is to guide on a path better credit.

  • Credit Monitoring
  • Credit Repair
  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
New York, NYFree Credit Evaluation
Lexington Law
New York City, NYFree Credit Report Consultation
IM Law Group
445 Central Avenue, Suite 108, Cedarhurst, NY 11516
United Settlement
241 W 30th St Fl 3, New York, NY 10001
Premier Credit Plus
14708 235th St, Rosedale, NY 11422
Y2K Credit Solutions
585 Stewart Avenue, Suite 645, Garden City, NY 11530
Pinnacle Credit Repair
275 5th Avenue, Suite 704, New York, NY 10001
Berr Credit Up
252 w 31st Street, New York, NY 10001
Credit Advisors Council
70 E Sunrise Hwy Ste 500, Valley Stream, NY 11581
ULTRA CREDIT SOLUTIONS
3723 72nd St # 2, Jackson Heights, NY 11372
Safe Credit Solutions Inc.
11900 Biscayne Blvd Ste 801, North Miami, FL 33181
Consumer Credit Counseling Service
1635 Avenue A,, New York, NY 10009
Credit Pro Repair
195 Plymouth St Fl 2, Brooklyn, NY 11201
Credit Repair Plus
1015 Surf Ave, Brooklyn, NY 11224
North Shore Advisory Inc
399 Knollwood Rd, White Plains, NY 10603
Credit Servicez
35 W 35th St Rm 401, New York, NY 10001
Churchill Credit Solutions
41 Madison Ave, New York, NY 10010
Sherpa Credit
900 South Ave Suite 300, Staten Island, NY 10314

FAQs

  • 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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