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Best Credit Repair Companies in Elizabeth

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146B Ferry Street, Newark, NJ 07105
Newark, NJ 07105
Instagram
  • Credit Monitoring
  • Credit Dispute

Disputeweb Credit Repair is a credit management and consulting company that provides services to clients across the Elizabeth metro. The company's credit repair services include credit coaching, credit dispute management, and access to its client portal, helping clients increase their chances of auto, credit, and homeownership. Disputeweb Credit Repair carries specific programs for clients to qualify for credit cards. It also helps resolve federal student loans, guiding clients to qualify for multiple aid options.

146B Ferry Street, Newark, NJ 07105
Newark, NJ 07105

InstagramWebsite(908) 838-4424

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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.

Online Profiles:

1 (Good)

Average Review Score:

4 / 5 ( Best)

Total Reviews:

48 (Best)

Score Consistency:

Consistent (Best)

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

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

6012 Jackson Street, West New York, NJ 07093
West New York, NJ 07093
Instagram
  • Credit Dispute

NJ Credit Repair is a credit counseling company that serves Elizabeth. Its team helps clients navigate the credit restoration process which involves reviewing credit reports, challenging negative items, and raising disputes with creditors and credit bureaus on behalf of clients. Dispute responses are sent to clients via email, and the credit repair specialists review the documents that clients upload on their portals and utilize them to improve the dispute's scope. NJ Credit Repair also offers credit education and building services.

6012 Jackson Street, West New York, NJ 07093
West New York, NJ 07093

InstagramWebsite(551) 465-7303

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

12 (Better)

Score Consistency:

Consistent (Best)

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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