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Best Credit Repair Companies in Yonkers, NY

Our Recommended Top 5

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 Yonkers 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.



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featured provider = Featured Provider

Yonkers, NY Rating

Review Sources

4.8 (5317)
2.5 (23)

Why choose this provider?

Credit Saint has been serving individuals in Yonkers for more than a decade. It helps clients challenge different types of questionable negative items from their credit reports, including collections, repossessions, bankruptcies, liens, and late payments. Its premium service package is inclusive of unlimited challenges to the three credit bureaus, creditor interventions, inquiry targeting, score analysis, and a score tracker. Credit Saint has been featured in various online publications, such as Money, Observer, ConsumerAffairs, Chron, and MySA.

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


Yonkers, NY
Free Credit Report Consultation Rating

Review Sources

4.3 (2911)
4.1 (591)

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

415 Madison Avenue, New York, NY 10017 Rating

Review Sources

3.0 (29)
5.0 (18)
4.0 (1)

Why choose this provider?

New York Credit Repair Company provides credit repair and counseling services in Yonkers. The firm offers a variety of credit repair programs to its clients. The VIP Bankruptcy Repair plan, for example, covers the removal of inquiries, third-party accounts, and bankruptcies. The VIP Diamond Repair program, meanwhile, includes all services in the aforementioned plan except for bankruptcy removal. New York Credit Repair Company is well-versed in the Fair Credit Reporting Act. It partners with Fair Debt Collection Practice Act attorneys for debt collection violations.

4348 Carpenter Ave Ste 1, Bronx, NY 10466 Rating

Review Sources

5.0 (1)

Why choose this provider?

AltoCredit is a credit repair agency near Yonkers that aims to help clients improve their credit scores with its comprehensive, personalized service. Its work begins with a thorough credit audit that analyzes reports from all three major credit bureaus and looks for any potential errors, such as misspellings, outdated information, and mistakes. Next, it develops a plan for improvement, working with creditors to remove erroneous items from client credit reports, including collections, repossessions, and late payments. AltoCredit offers free credit audits for new clients and assigns a trained credit advisor who can give advice about credit, debt, and finances to each customer.

1639 Center Ave, Fort Lee, NJ 07024 Rating

Review Sources

4.9 (30)
5.0 (1)

Why choose this provider?

National Debt Law is a credit repair and counseling firm that aims to help clients across the Yonkers metro area improve their credit score and financial situation. Its credit services focus on credit counseling, with trained and certified counselors who are able to give advice on consumer credit, personal budgeting, and debt management, as well as providing referrals, educational materials, and resources including personalized financial plans. It also offers a free self-guided FICO credit repair plan, which includes free personal budget templates and a monthly payment calendar. National Debt Law additionally offers debt consolidation and management services, with free consultations for new clients.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Yonkers, NYFree Credit Evaluation
Lexington Law
Yonkers, NYFree Credit Report Consultation
New York Credit Repair Company
415 Madison Avenue, New York, NY 10017
4348 Carpenter Ave Ste 1, Bronx, NY 10466
National Debt Law
1639 Center Ave, Fort Lee, NJ 07024


  • 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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