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Best Credit Repair Companies in Jersey City

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PO Box 110, Oakland, NJ 7436
Oakland, NJ 7436

Credit Saint is a credit restoration business in Oakland that also provides service to clients in Jersey City. The credit repair company's team helps clients fully understand their credit and determines as well as challenges negative items that are incorrect, unconfirmed, or fallacious. Credit Saint's team guides clients through a 3-step process from creating a credit monitoring account to reviewing credit history and then providing techniques to optimize credit reports.

PO Box 110, Oakland, NJ 7436
Oakland, NJ 7436

Website(201) 581-4081

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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:

4.8 / 5 ( Best)

Total Reviews:

4092 (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+

, Jersey City, NJ 02466
Jersey City, NJ 02466
Instagram
  • Debt Consolidation
  • Credit Monitoring

American Consumer Credit Counseling, Inc. is a licensed non-profit organization that serves individuals and families in Jersey City. For more than 30 years, it has been helping clients eliminate their debts quickly and reduce their monthly interest rates by providing confidential debt consolidation services. Its counselors explain the debt consolidation options to clients and identify their suitable plans. Additionally, they offer counseling services for credit, bankruptcy, student loans, and housing. The company is a member of the National Foundation for Credit Counseling.

, Jersey City, NJ 02466
Jersey City, NJ 02466

InstagramWebsite(617) 559-5700

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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:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

242 (Best)

Score Consistency:

Variable (Good)

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+

70 Greene St, Jersey City, NJ 07302
Jersey City, NJ 07302

Apex Credit Fix is a professional credit repair company in Jersey City helping to improve credit scores for consumers. Its analysts read through credit reports to identify any negative issues and devise a customized financial plan. The repair company works with credit agencies to have any collections, late payments, identity theft, and bankruptcies removed from a client's credit history. Additionally, Apex Credit Fix gets in touch with the major credit bureaus to make sure the changes have been made.

70 Greene St, Jersey City, NJ 07302
Jersey City, NJ 07302

Website(845) 299-2017

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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:

2 (Better)

Average Review Score:

4.7 / 5 ( Best)

Total Reviews:

133 (Best)

Score Consistency:

Consistent (Best)

50 Harrison St, Ste 526, Hoboken, NJ 07030
Hoboken, NJ 07030
Instagram
  • Credit Audit

ARK Credit Professionals combines its over 15 years of financial education and coaching experience to repair and restore the clients' credit scores in Jersey City. The company helps both individuals and businesses achieve their financial independence through a variety of solutions, such as in-depth credit report analysis, personalized financial coaching, negative items removal, credit audit, and 24/7 credit monitoring. It collaborates with third-parties credit reporting agencies, including Equifax, Transunion, and Experian, for deletions, updates, and corrections.

50 Harrison St, Ste 526, Hoboken, NJ 07030
Hoboken, NJ 07030

InstagramWebsite(888) 750-1903

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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:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

44 (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+

111 TOWN Square Place , Suite 1203 PMB 1156, Jersey City, NJ 07310
Jersey City, NJ 07310
  • Credit Monitoring
  • Credit Dispute

Beyond Approved Credit Solutions is a locally owned and operated company serving Jersey City. The firm provides professional assistance to individuals and businesses looking to repair and build their credit scores. Its specialists conduct in-depth credit analysis to dispute incorrect or invalid items found on clients' credit reports. The team also offers credit education, bankruptcy recovery, business credit establishment services. The company was opened at the height of the pandemic in 2020 by a local credit expert.

111 TOWN Square Place , Suite 1203 PMB 1156, Jersey City, NJ 07310
Jersey City, NJ 07310

Website(732) 314-1410

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198 Lexington Ave, Passaic, NJ 07055
Passaic, NJ 07055

Credit Repair Services New Jersey provides financial solutions for clients in the greater Jersey City area. The company's professionals take clients through the entire credit dispute process and develop a blueprint to repair their credit. They handle charge-offs, late payments, inquiries, repossessions, student loans, and judgments. The firm also assists with collections, foreclosures, tax liens, and bankruptcy. Credit Repair Services New Jersey deals with harassment from creditors and provides financial advice to help individuals rebuild and maintain their credit.

198 Lexington Ave, Passaic, NJ 07055
Passaic, NJ 07055

Website(201) 305-0576

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99 Wall Street Suite 567, New York, NY 10005
New York, NY 10005
  • Debt Consolidation
  • Credit Monitoring

Diverse solutions provides credit repair services in Jersey City, and its surrounding areas. It helps individuals looking to build and monitor their credit, and those seeking to restore their scores. It also provides clients with the information they need to achieve financial freedom. The firm specializes in removing inaccurate information, such as collections, late payments, student loans, repossessions, and child support, from people's credit files. It has partnered up with SmartCredit to create an app that helps users manage their scores from their mobile devices.

99 Wall Street Suite 567, New York, NY 10005
New York, NY 10005

Website(877) 394-1117

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:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

1 (Good)

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+

301 State Rt 17, Rutherford, NJ 07070
Rutherford, NJ 07070

Global Credit Solution USA is a credit repair service provider that helps individuals in Jersey City improve their credit scores. Its professionals review credit reports from the three major credit bureaus and develop customized plans for credit restoration. Part of its credit repair process includes disputing adverse credit history and providing financial advice to help clients save money. Global Credit Solution USA also offers credit education and helps victims of identity theft.

301 State Rt 17, Rutherford, NJ 07070
Rutherford, NJ 07070

Website(201) 708-7558

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225 Broadway # 3800, New York, NY 10007
New York, NY 10007

Founded in 1991, Lexington Law is a legal firm that provides a wide range of credit repair services near Jersey City. The firm analyzes credit reports to find what negative items are affecting a client's credit score. Its team sends letters to their creditors and the three major credit bureaus to dispute any inaccuracies and unverified information found on their client's behalf. Lexington Law's attorneys can defend their client's credit cases in court when necessary.

225 Broadway # 3800, New York, NY 10007
New York, NY 10007

Website(833) 333-8277

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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:

3 (Best)

Average Review Score:

4.3 / 5 ( Best)

Total Reviews:

2703 (Best)

Score Consistency:

Variable (Good)

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+

101 Hudson St, Ste 2147, Jersey City, NJ 07302
Jersey City, NJ 07302
  • Credit Monitoring

Lift Credit Solutions LLC helps individuals and businesses in Jersey City reach their financial goals. The company designs strategic solutions in business economic development and credit repair and restoration. Its specialists formulate action plans, audit credit reports with Experian or Identity IQ, challenge negative entries on credit reports, and guide clients throughout the credit restoration process. Lift Credit Solutions advises businesses on best practices in financial reliability, loans and funding, creditability, and business foundations and credit lines.

101 Hudson St, Ste 2147, Jersey City, NJ 07302
Jersey City, NJ 07302

Website(201) 474-8010

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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+

415 Madison Ave Ste 1400, New York, NY 10017
New York, NY 10017

New York Credit Repair Company is a credit repair company near Jersey City. The company offers three affordable plans for credit restoration that are based on each client's needs. The company works to fix all negative and inaccurate items affecting credit scores. When inaccuracies occur, New York Credit Repair Company files disputes with creditors and credit bureaus to erase derogatory marks. Additionally, the company helps remove erroneous third-party accounts and bankruptcies.

415 Madison Ave Ste 1400, New York, NY 10017
New York, NY 10017

Website(929) 458-0628

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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:

5 / 5 ( Best)

Total Reviews:

18 (Better)

Score Consistency:

Consistent (Best)

6012 Jackson St Apt 1, West New York, NJ 07093
West New York, NJ 07093

NJ Credit Repair serves clients in the Jersey City metro area. Its primary service is credit management education and counseling, in which it teaches clients about the implications of their credit scores and shows them how to not only improve them, but sustain them through strategic and responsible practices. It also audits each client's credit and creates targeted plans that include negative event removal services to help them improve their scores along multiple baselines.

6012 Jackson St Apt 1, West New York, NJ 07093
West New York, NJ 07093

Website(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:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

1 (Good)

Score Consistency:

Consistent (Best)

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

NJ Credit Repair assists consumers in Jersey City in achieving their financial goals by improving their creditworthiness. Through consultation with individuals, its agents analyze and identify negative items that damage their scores. They offer monthly packages of credit repair solutions for individuals and couples that include tactics for disputing these errors with the three bureaus. They also offer education on how to improve and rebuild their credit. In addition, they update customers' portals with the improvement results every 30 days.

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

Website(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:

3 (Best)

Average Review Score:

4.8 / 5 ( Best)

Total Reviews:

17 (Better)

Score Consistency:

Consistent (Best)

275 5th Ave Ste 704, New York, NY 10016
New York, NY 10016

Pinnacle Credit Management is a credit repair agency near Jersey City. The experts boost credit by analyzing reports, providing full audits, preparing reports customized to clients' financial needs, and building a solid credit report. They are experienced in removing inaccurate information on credit reports and work with all three credit bureaus as well as Chexsystems. The firm has personal credit mentors who provide financial coaching and teach individuals how to maintain a high credit score.

275 5th Ave Ste 704, New York, NY 10016
New York, NY 10016

Website(858) 252-6053

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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:

4.6 / 5 ( Best)

Total Reviews:

62 (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+

17 State St, Financial District, New York, NY 10004
New York, NY 10004

Pyramid Credit Repair provides credit repairs services near Jersey City. With options available for both singles and couples, the agency employs a three-step system to restore credit and increase future lines of credit. Each plan is tailored to clients' needs, and credit experts investigate credit reports to identify inaccurate financial defects. The agency then files the appropriate paperwork to dispute the inaccuracies, including foreclosure and bankruptcy errors, with creditors and credit bureaus.

17 State St, Financial District, New York, NY 10004
New York, NY 10004

Website(855) 984-1867

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:

4.9 / 5 ( Best)

Total Reviews:

85 (Best)

Score Consistency:

Consistent (Best)

59 Main St Ste 339, West Orange, NJ 07052
West Orange, NJ 07052

Reliant Credit Repair has been providing credit repair services in the Jersey City area since 2015. It helps clients build their credit scores, settle debts, lower interest rates on credit cards, and refinance mortgage or auto loans. The firm's experts conduct a thorough audit to identify inaccuracies on the credit reports and work with credit reporting agencies to mend the discrepancies. They send debt validation and goodwill letters to creditors as well as cease and desist letters to collection agencies.

59 Main St Ste 339, West Orange, NJ 07052
West Orange, NJ 07052

Website(973) 500-6860

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:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

22 (Better)

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+

2060 Springfield Ave, Vauxhall, NJ 07088
Vauxhall, NJ 07088
Instagram
  • Credit Dispute

Transparent Credit Repair helps individuals in Jersey City and the surrounding areas get a better credit rating. The company provides credit education and document processing services that can improve a client's credit score. Its team files dispute on behalf of clients to remove negative items like late payments, charge-offs, evictions, repossessions, tax liens, and collections from their credit report. Through the company's partnership with the three major credit bureaus, clients can have the dispute investigation reports sent to their addresses.

2060 Springfield Ave, Vauxhall, NJ 07088
Vauxhall, NJ 07088

InstagramWebsite(862) 250-5122

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:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

2 (Good)

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+

222 Broadway, New York, NY 10038
New York, NY 10038

USA Credit Doctors is a credit repair agency near Jersey City that helps consumers clear up their financial issues in a timely manner. Its expert analysts thoroughly review credit reports to find any negative items, such as late payments, liens, bankruptcies, and charge-offs, that may impact a client's credit history. The agency works with credit bureaus to repair a client's credit by removing inaccuracies. USA Credit Doctors assists with a second round of disputes when necessary.

222 Broadway, New York, NY 10038
New York, NY 10038

Website(800) 786-1330

Show Number

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+

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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