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Best Credit Repair Companies in Edison

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123 Better Credit logo

123 Better Credit

119 Park Ave Suite B, Plainfield, NJ 07060
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  • Debt Consolidation

123 Better Credit is a company that serves Edison and the surrounding areas. It helps clients start anew and improve their credit scores by providing them with tailored dispute options. The company's experienced case advisors and analysts personally assist the clients. One of 123 Better Credit's past clients commended the team for successfully raising their credit score to be enough to buy a house. The firm can assist those who speak Spanish.

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ARK Credit Professionals logo

ARK Credit Professionals

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

ARK Credit Professionals caters to individuals in Edison who want to restore their credit scores. Its staff members review clients' reports and profiles to look for negative items, including tax liens, charge-offs, judgments, late payments, and repossessions. They also write to creditors and the three credit agencies for appeals, deletions, corrections, and immediate updates. ARK Credit Professionals service hundreds of clients and have a goal of helping 1,000 families create true financial independence. Its team has over 15 years of collective experience in credit and leadership development and financial coaching and education. Victor Parrish mission as the founder and CEO is to help people realize they are their greatest asset.

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Better Qualified logo

Better Qualified

19 Christopher Way, Eatontown, NJ 07724
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  • Credit Dispute

Better Qualified has been serving clients in Edison and its surrounding areas for more than 20 years. Its team provides credit repair services by obtaining the client's most recent credit report and scores from the three credit bureaus in order to determine what negative items are affecting their credit scores. The firm also resolves other issues like debt settlement and cease and desist orders by disputing inaccurate or unfair reporting or inquiries on their accounts.

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Brie Hive logo

Brie Hive

33 S Wood Ave, Iselin, NJ 08830
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  • Credit Audit
  • Credit Dispute

Brie Hive is a credit repair company that serves the Edison area. It offers solutions to remove erroneous or fraudulent transactions in credit reports and help consumers achieve financial freedom. It handles derogatory items such as bankruptcies, charge-offs, collections, foreclosures, repossessions, and tax liens. It enables clients to access their information via mobile phones. The company's other services include business consultation and credit education. Brie Hive has published e-books, including "Mastering the Credit Sweep: A Step-By-Step Guide on How to Complete a Sweep & Inquiry Removal."

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Chanel Credit Solutions LLC logo

Chanel Credit Solutions LLC

101 Eisenhower Pkwy Suite 300, Roseland, NJ 07068
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  • Debt Consolidation

Chanel Credit Solutions LLC is a full-service firm that serves the needs of Edison residents. It assists individuals in rebuilding their credit scores by conducting assessments, disputing inaccurate and unverifiable accounts, and guiding consumers in exercising their rights. Its professionals coordinate with credit bureaus such as Transunion, Equifax, and Experian and develop action plans to help individuals achieve their financial goals. They strive to guide clients in every step of the process, including initial discussion and credit score monitoring.

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CHIC Financial Services logo

CHIC Financial Services

100 Overlook Center, Princeton, NJ 08540
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  • Credit Monitoring
  • Debt Consolidation

CHIC Financial Services brings credit repair solutions to individuals and business owners in Edison and the surrounding communities. The company disputes negative items like tax liens, late payments, student loans, medical bills, and foreclosures with the three major credit bureaus. It also removes incorrect information from credit reports and provides clients with access to an online portal that keeps them up to date on the status of their disputes. CHIC Financial Services also provides a business credit builder program that includes EIN application assistance.

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Credit Mount logo

Credit Mount

1790 Flatbush Ave, Brooklyn, NY 11210
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  • Debt Consolidation
  • Credit Monitoring

For more than 14 years, Credit Mount has been serving individuals and businesses in Edison and surrounding areas. It offers a vast array of services, including financial consultation, credit restoration, and credit consulting, as well as debt settlement and loan assistance. It caters primarily to real estate professionals. The company provides support 24/7 and uses original proprietary software to speed up the program's processes. Large corporations such as Capital One and Bank of America are among its clients.

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ECG Debt Settlement & Credit Repair logo

ECG Debt Settlement & Credit Repair

30-97 Steinway Street, Suite 205, 2nd Flr., Astoria, NY 11103
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  • Debt Consolidation

ECG Debt Settlement & Credit Repair caters to individuals and business owners in Edison and nearby areas. It provides credit repair solutions to remove clients' bad reports involving late payments, charge-offs, business debts, tax liens, and repossessions. The company also settles issues related to foreclosures, bankruptcies, and personal loans. In addition, its specialists conduct credit negotiation and counseling to prevent negative financial records. The enterprise has been helping customers rebuild their credit for more than two decades.

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NJ Credit Repair logo

NJ Credit Repair

6012 Jackson St., West New York, NJ 07093
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  • Credit Monitoring

NJ Credit Repair helps improve the financial standing of people throughout the Edison metro and its surrounding communities. Its monthly individual or couple package provides credit consulting and education, audit-analysis from three bureaus, and credit building services. The company delivers monthly updates and makes information accessible 24 hours a day through its client portal. Its process includes discovering negative items in clients' credit reports, employing aggressive dispute strategies to challenge their credit ratings, and regularly informing them of the results.

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Quality Credit Repair logo

Quality Credit Repair

447 W. Moreland Road, Suite 2B, Willow Grove, PA 19090
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  • Credit Monitoring

Quality Credit Repair offers services to customers in Edison and the surrounding areas. It provides debt management solutions to help clients improve their credit reports. The company assists customers by negotiating with credit agencies to reduce or eliminate late fees, stop collection actions, and lower monthly payments. It also offers credit card counseling services that aim to reduce interest rates and simplify finances. Quality Credit Repair has been helping individuals with credit-related issues since 1999.

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Successor Successful LLC logo

Successor Successful LLC

180 Talmadge Rd Unit #1221, Edison, NJ 08817
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  • Debt Consolidation
  • Credit Dispute

Successor Successful, LLC, is a credit restoration company that helps consumers in the Edison area and the neighboring communities rebuild their credit scores. Its team works with credit bureaus, creditors, and collection agencies in removing inaccurate, misleading, and unverifiable information from the clients' credit reports. During the restoration process, the company provides weekly education sessions to inform clients about strategies on how to raise credit scores. Owner Marquise Kincaid also handles stocks, cryptocurrencies, and NFTs.

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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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