Expertise.com

2024

Last updated:

Best Credit Repair Companies in Edison

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Edison 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.

81Reviewed

52Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

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 (8775)
Yelp
2.5 / 5 (26)

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 logoFEATUREDExpertise.com

Lexington Law

Edison, 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)
Google
4.6 / 5 (286)

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

Why choose this provider?

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.

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 (29)
Facebook
5.0 / 5 (6)

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

Why choose this provider?

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.

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 (96)
Facebook
5.0 / 5 (4)

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

Why choose this provider?

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.

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

Why choose this provider?

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.

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 (4)

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

Why choose this provider?

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.

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
4.7 / 5 (13)
Facebook
5.0 / 5 (3)
Yelp
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
447 W. Moreland Road, Suite 2B, Willow Grove, PA 19090
  • Credit Monitoring

Why choose this provider?

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.

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.
4.7
Google
4.6 / 5 (65)
Facebook
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

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

Why choose this provider?

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.

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 (8)
Facebook
5.0 / 5 (5)

Website
19 Christopher Way, Eatontown, NJ 07724
  • Credit Dispute

Why choose this provider?

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.

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.
4.7
Facebook
4.7 / 5 (102)

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

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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