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Best Credit Repair Companies in Brick

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5 Star Group logo

5 Star Group

551 Maple St, Brooklyn, NY 11203
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  • Credit Monitoring
  • Credit Audit

5 Star Group caters to individuals in Brick who want to gain financial freedom. The company offers a variety of credit repair solutions, aiding clients in fixing their bad credit standing. It provides them with detailed reports on how to improve their results. It also assists in developing and implementing customized financial plans. In addition, it helps them secure mortgages for their new homes and cars. In the past 26 years, 5 Star Group has served more than 50,000 clients.

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Better Qualified logo

Better Qualified

19 Christopher Way, Eatontown, NJ 07724
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  • Debt Consolidation

Better Qualified has been serving clients in Brick and neighboring areas for more than two decades. It provides gold, platinum, and black credit repair programs. The process involves challenging negative items on the credit report, disputing unfair and inaccurate reporting, corresponding with credit bureaus and creditors, and engaging clients into paying debts. It also helps remove items such as late payments, charge-offs, identity errors, collections, bankruptcies, and foreclosures. Better Qualified's team comprises individuals who are FICO-certified.

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Fresh Start Financial Group Inc. logo

Fresh Start Financial Group Inc.

377 Hoes Ln #105, Piscataway, NJ 08854
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  • Credit Dispute

Fresh Start Financial Group Inc. caters to customers in the Brick metro and the surrounding communities. It offers credit restoration services, helping individuals get credit cards with high credit limits or obtain loans for their businesses. Its process involves providing consultations and challenging and disputing negative items on the clients' credit reports. The company has been in operation since 2019. Noel Verdejo, the founder, worked in the car business industry for over 18 years prior to establishing the firm.

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Square One Credit Management logo

Square One Credit Management

1750 Brielle Ave A2, Ocean, NJ 07712
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  • Debt Consolidation

Square One Credit Management caters to clients in the Brick area. It helps people with removing inaccurate or outdated information from their credit reports like liens, medical bills, credit cards, and mortgages. The firm aims to lower its clients' credit scores so that they can borrow money at lower interest rates. It also provides assistance with repairing credit ratings to qualify for small business loans. The company has more than 15 years of credit management experience.

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Total Credit Relief logo

Total Credit Relief

3548 Rt 9 South, Howell, NJ 07731
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  • Credit Dispute

Total Credit Relief helps individuals in Brick review and fix credit scores. It creates strategies to dispute and remove negative or derogatory information affecting each client's credit score, such as tax liens, delinquent payments, foreclosures, student loan defaults, bankruptcy, and charge-offs. Its team evaluates the clients' credits and public record profiles, prior and current derogatory counts, and total credit utilization. Total Credit Relief also offers document preparation services for debt disputes. It educates clients to obtain and manage good credit.

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Veitengruber Law logo

Veitengruber Law

1720 Highway 34 Suite 10, Wall Township, NJ 07727
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  • Debt Consolidation

Veitengruber Law helps individuals who need credit repair and debt relief assistance in the Brick metro. Focused on guiding clients toward their financial objectives, its team assists in rebuilding their credit scores by removing inaccurate information on their credit reports. It educates them about the steps needed to improve their credit, including lowering overall debt. The office also represents clients facing bankruptcy or foreclosure issues. Additionally, Veitengruber Law handles estate planning, debt negotiation, and loan modification.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Q: Is credit repair legal?

A: Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

Q: Can a credit repair company remove late payments?

A: 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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