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Best Credit Repair Companies in Camden

2023

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Website
Camden, NJ
  • Credit Repair
  • Money Back Guarantee
  • Credit Restoration
  • Credit Audit
  • Credit building

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (6716)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Credit Evaluation

Lexington Law logo
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Lexington Law

Website
Camden, NJ
  • Consumer Credit Services
  • Credit Repair

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.3 / 5 (2911)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Credit Report Consultation

Website
P.O. Box 6307, Philadelphia, PA 19139

Why choose this provider?

Square One Credit Solutions is a firm serving the Camden area. It helps clients navigate the process of restoring and rebuilding credit. Its team members directly dispute incorrect information with collection agencies and creditors, utilizing their knowledge of creditor and collection regulation laws in the process. The company's credit cleanup package includes monthly updates, a three-credit bureau audit, and an action plan designed according to a client's credit profile. It is certified by the Credit Consultants Association.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1700 Market Street, Suite 1005, Philadelphia, PA 19103
  • Credit Monitoring
  • Credit Dispute

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
150 Monument Road, Suite 207 Office 208, Bala Cynwyd, PA 19004
  • Credit Audit
  • Credit Monitoring

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (6)

Website
18117 Biscayne Blvd., Camden, NJ 33160
  • Credit Monitoring
  • Credit Audit

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
4.6 / 5 (625)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1700 Market St, Philadelphia, PA 19103
  • Credit Monitoring

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (40)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1626 Locust Street, Philadelphia, PA 19103
  • Credit Monitoring

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (6)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
PO Box 33293, Philadelphia, PA 19142
  • Credit Dispute

Why choose this provider?

Coast 2 Coast Credit Repair Services LLC caters to the people of Camden and the neighboring communities. The firm helps bring clients' credit back on the right track. Its specialists evaluate credit reports, note irregularities or discrepancies, contact clients to review the items found, and challenge invalid information with the credit bureaus. In addition, they help clients assert their legal rights, resolve account problems that arise, and keep them informed regarding the status and progress.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Marlton, NJ 08053
  • Debt Consolidation

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (46)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7269 Walnut Ln, Philadelphia, PA 19138
  • Credit Monitoring

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
4.4 / 5 (22)
Google
5.0 / 5 (11)

Website
7402 Front St., Cheltenham, PA 19012
  • Credit Dispute

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.4 / 5 (81)
Facebook
4.2 / 5 (55)
Yelp
4.9 / 5 (38)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

  • 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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