Best Credit Repair Companies in Jersey City

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Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

PO Box 110, Oakland, NJ 7436
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Business Description

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.

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 (5317)
Yelp
2.5 / 5 (23)

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
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Detail

Price: Free credit evaluation

Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

Jersey City, NJ

Business Description

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.
4.2
Google
4.2 / 5 (557)

Price: Free Credit Report Consultation

American Consumer Credit Counseling, Inc. logo
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American Consumer Credit Counseling, Inc.

130 Rumford Ave., Suite 202, Jersey City, NJ 02466
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  • Debt Consolidation
  • Credit Monitoring

Business Description

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.

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 (359)
Facebook
4.9 / 5 (153)

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
Apex Credit Fix logo
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Apex Credit Fix

70 Greene St, Jersey City, NJ 07302
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Business Description

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.

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
4.9 / 5 (307)
Facebook
3.9 / 5 (7)
ARK Credit Professionals logo
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ARK Credit Professionals

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

Business Description

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.

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 (12)

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
Diverse Solutions logo
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Diverse Solutions

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

Business Description

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.

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

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
Global Credit Solution USA logo
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Global Credit Solution USA

301 State Rt 17, Rutherford, NJ 07070
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Business Description

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.

Lexington Law logo
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Lexington Law

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

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.

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 (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
Lift Credit Solutions LLC logo
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Lift Credit Solutions LLC

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

Business Description

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.

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
New York Credit Repair Company logo
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New York Credit Repair Company

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

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.

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
NJ Credit Repair logo
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NJ Credit Repair

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

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.

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
NJ Credit Repair logo
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NJ Credit Repair

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

Business Description

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.

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

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
Pinnacle Credit Management logo
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Pinnacle Credit Management

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

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.

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.
4.6

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
Pyramid Credit Repair logo
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Pyramid Credit Repair

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

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.

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
Facebook
4.0 / 5 (1)
Reliant Credit Repair logo
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Reliant Credit Repair

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

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.

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

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
Transparent Credit Repair logo
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Transparent Credit Repair

2060 Springfield Ave, Vauxhall, NJ 07088
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  • Credit Dispute

Business Description

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.

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

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
USA Credit Doctors logo
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USA Credit Doctors

222 Broadway, New York, NY 10038
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Business Description

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.

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

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.

How do you repair credit after identity theft?

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.

Is credit repair legal?

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.

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