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Best Credit Repair Companies in Clifton

2023

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

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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
Clifton, 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
50 Harrison St, Ste 526, Hoboken, NJ 07030
  • Credit Dispute
  • Credit Monitoring

Why choose this provider?

Ark Credit Pro, based in Hoboken, serves individuals throughout Clifton and the surrounding areas. It provides credit repair services to help clients improve their credit standing. It starts with a credit report evaluation to determine if the client needs credit repair and discusses its EduCredit programs to assist them in determining which option suits their situation and needs best. The company also offers credit audits and education. Clients usually see results with their credit in around 30 to 45 days.

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 (33)
Facebook
5.0 / 5 (11)

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
Clifton, NJ
  • Credit Monitoring

Why choose this provider?

SEC Financial Services, LLC, has been serving individuals in Clifton and nearby areas since 2020. It offers credit repair solutions, including credit report analysis for credit, income, debt, and savings. It initiates disputes and negotiations with creditors and educates clients about bankruptcy, debt, and payment education. The company's other services include financial planning, bookkeeping, and tax preparation. SEC Financial Services is headed by Stephanie, who is a notary public certified by the National Notary Association. She can speak Spanish.

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 (14)

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
511 South Orange Avenue, Newark, NJ 07103
  • Credit Dispute

Why choose this provider?

Quick Start Credit Repair serves clients in Clifton and nearby areas. It offers a wide range of services, from credit repair, audit, and education to business credit. It examines credit reports to assess whether clients require credit repair, and then it discusses its EduCredit programs to determine which option should be used for their specific circumstances. It validates and verifies potentially incorrect information from creditors, credit bureaus, and collector agencies before starting the credit restoration process.

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 (5)
Facebook
5.0 / 5 (5)

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
27 Outwater Lane #2, Garfield, NJ 07026
  • Credit Dispute

Why choose this provider?

Ur Choice Credit caters to customers in Clifton and the surrounding communities. It helps clients achieve their automobile and homeownership dreams by repairing their credit scores. Its process involves disputing inaccurate items and accounts with credit bureaus and creditors, settling collection accounts, and creating personalized budgeting plans. Some of the derogatory remarks it eliminates are charge-offs, collections, foreclosures, late payments, and tax liens. Inquiries, judgments, medical bills, and personal data are also included.

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.
4.9
Google
4.9 / 5 (46)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
37-42, Suite #D, 72nd Street, Jackson Heights, NY 11372
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

Core Multi Services offers credit repair solutions to individuals and businesses in Clifton and the surrounding communities. The company identifies delicate dispute matters for clients to review and identifies gaps and untapped opportunities on their credit profiles to increase their scores. It also provides assistance in opening new credit cards and in managing the balances for credit rebuilding and optimal FICO score benefit. Core Multi Services helps remove negative items like late payments, tax liens, collections, and foreclosures.

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 (5)

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
891 Clarkson Avenue, Brooklyn, NY 11203
  • Credit Audit

Why choose this provider?

Ebony Credit Solutions serves individuals and business owners in Clifton and the surrounding areas. The company works closely with clients to customize their credit repair experience, investigates ways to improve credit, and assists clients in obtaining new credit and paying off harmful debts. It also looks for unauthorized and inaccurate inquiries that have a negative impact on credit scores, checks public records used by lenders and disputes questionable entries, and inspects the details of negative accounts for possible errors and inaccuracies.

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.
4.9
Google
4.8 / 5 (19)
Facebook
5.0 / 5 (11)

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
2060 Springfield Ave, Vauxhall, NJ 07088
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

Transparent Credit Repair operates in Clifton and the surrounding areas. Its goal is to educate clients about the value of having positive credit and the benefits that come with that. It handles concerns such as repossessions, late payments, bankruptcies, evictions, and lack of credit history by disputing their validity. The Vauxhall-based firm is spearheaded by Michael Bradly, a credit specialist who has been helping the community's individuals and families reach their goals.

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 (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
New York, NY 10001
  • Credit Monitoring

Why choose this provider?

5 Boroughs Credit Repair serves the resident of Clifton and the surrounding areas. Its team members evaluate clients' records from TransUnion, Experian, and Equifax to identify red flags. They prepare letters with detailed explanations and supporting documents to challenge the inaccuracies with respective creditors and bureaus. The professionals also educate consumers about their rights and credit building. They look at the spending habits of clients and show them what improvements they could do to manage their debts.

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
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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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