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2024

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Best Credit Repair Companies in Camden, NJ

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Camden 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.

62Reviewed

41Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Camden, NJ

Expertise.com Rating

Review Sources

Google
4.8 (6716)

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

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

Lexington LawExpertise.com

Camden, NJ
Free Credit Report Consultation

Expertise.com Rating

Review Sources

Facebook
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.

  • Consumer Credit Services
  • Credit Repair

1700 Market Street, Suite 1005, Philadelphia, PA 19103

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

Boomin Credit has been serving clients in Camden for over 10 years. It offers credit repair and restoration services to help remove negative collection accounts and dispute derogatory items and false inquiries in clients' credit reports. It conducts one-on-one sessions to review accounts and create full analyses. Boomin Credit provides monthly credit updates and educates people about action steps in maintaining and improving credit. Identity monitoring protection services are also available.

  • Credit Monitoring
  • Credit Dispute

150 Monument Road, Suite 207 Office 208, Bala Cynwyd, PA 19004

Expertise.com Rating

Why choose this provider?

Nicole Fisher of Workout My Credit Solutions LLC caters to individuals and business owners in need of credit repair solutions in Camden and the neighboring communities. Fisher conducts credit monitoring and audits and offers monthly updates on the credit repair process. She also helps clients get their mortgage loans pre-approved and uses its direct connections with lenders to help loans for new houses or cars get approved. Fisher established the firm in 2020. She is also a property manager.

  • Credit Audit
  • Credit Monitoring

7269 Walnut Ln, Philadelphia, PA 19138

Expertise.com Rating

Review Sources

Facebook
4.4 (22)
Google
5.0 (11)

Why choose this provider?

AJ Credit Repair serves clients in the Camden area. People can hire the firm to help them improve their credit scores so that they can get better loan terms, such as lower monthly payments and interest rates. Its team disputes reports from the three major credit bureaus in order to remove outdated information such as bankruptcies, charge-offs, repossessions, and student loans.AJ Credit Repair also provides assistance with credit card and mortgage management, as well as credit issues for divorcing spouses.

  • Credit Monitoring

Marlton, NJ 08053

Expertise.com Rating

Review Sources

Facebook
5.0 (46)

Why choose this provider?

Select Us is a company that caters to customers in the Camden metro and the surrounding communities. It offers credit repair services, helping individuals improve their credit scores and achieve their homeownership dreams. Its process involves providing in-depth credit analysis, personalized consultations, and restoration solutions. Select Us has been in operation since 2006. It is staffed by consultants and client service specialists who bring more than 25 years of experience in the business and financial industries.

  • Debt Consolidation

1626 Locust Street, Philadelphia, PA 19103

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
5.0 (3)

Why choose this provider?

Classy Queen Consultants works with individuals and businesses in Camden and the surrounding areas to improve their credit standing. It provides a variety of credit repair services, including full report analyses and monitoring. It disputes negative information on credit reports and offers credit counseling. In addition, the company provides credit-boosting guides and programs to clients who want to do their own credit repair. Owner and founder Samirah M. Lawson is a board-certified credit consultant and member of the Credit Consultants Association.

  • Credit Monitoring

7402 Front St., Cheltenham, PA 19012

Expertise.com Rating

Review Sources

Google
4.3 (83)

Why choose this provider?

Credit Medics assists individuals and businesses in Camden and the surrounding areas in improving their credit scores. The agency works hard to resolve issues such as student loans, identity theft, judgments, and negative remarks that have a harmful effect on clients' creditworthiness. They also work with agencies such as credit bureaus and creditors to correct or validate collections, taxes, late payments, and debt settlements. Other services offered by the team include business and financial planning, as well as a homeownership program.

  • Credit Dispute

18117 Biscayne Blvd., Camden, NJ 33160

Expertise.com Rating

Why choose this provider?

Solvency Consulting offers credit repair services to individuals in Camden and its neighboring metros. The firm consults the clients to evaluate their credit scores, understand their needs, and create a strategy based upon their situation. Its specialists walk customers through the process of maximizing their credit scores by writing dispute letters for credit bureaus to remove negative items on their accounts. These items cover bankruptcies, inquiries, late payments, collections, and charge-offs. The company also has locations in Indiana, Miami, and Atlanta.

  • Credit Monitoring
  • Credit Audit

325 Chestnut Street Suite 876 #131, Philadelphia, PA 19106

Expertise.com Rating

Review Sources

Facebook
4.6 (625)
Google
5.0 (3)

Why choose this provider?

Asap Credit Repair - Philadelphia serves the residents of Camden. The family-operated company helps clients rebuild their finances and achieve credit goals through credit repair. It improves credits scores by disputing inaccuracies and negative items on the client's credit report. Its team negotiates to remove unfair foreclosures, collections, repossessions, and charge-offs. Most clients see additional credit points on their reports in 30 to 60 days. The company also provides credit education to prevent the recurrence of bad credit. It has been operating since 2013.

1700 Market St, Philadelphia, PA 19103

Expertise.com Rating

Review Sources

Facebook
5.0 (40)
Google
5.0 (3)

Why choose this provider?

A1 Credit Repair serves individuals in Camden and the surrounding areas. It offers various credit repair solutions, including credit consulting, business consulting, and credit building. The company helps remove negative items from a client's credit report, including collections, inquiries, derogatory marks, and charge-offs. It also provides business formation services for LLCs, partnerships, and corporations, handling articles of organization, operating agreements, and tax ID number or EIN. A1 Credit Repair has over four years of experience in the industry.

  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Free Credit Evaluation
Lexington Law
Free Credit Report Consultation
Boomin Credit
1700 Market Street, Suite 1005, Philadelphia, PA 19103
Nicole Fisher
150 Monument Road, Suite 207 Office 208, Bala Cynwyd, PA 19004
AJ Credit Repair
7269 Walnut Ln, Philadelphia, PA 19138
Select Us
Classy Queen Consultants
1626 Locust Street, Philadelphia, PA 19103
Credit Medics
7402 Front St., Cheltenham, PA 19012
Solvency Consulting
18117 Biscayne Blvd., Camden, NJ 33160
Asap Credit Repair - Philadelphia
325 Chestnut Street Suite 876 #131, Philadelphia, PA 19106
A1 Credit Repair
1700 Market St, Philadelphia, PA 19103

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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