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Best Credit Repair Companies in Paterson

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250 Pehle Ave 200, Paterson, NJ 07663
Paterson, NJ 07663

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

250 Pehle Ave 200, Paterson, NJ 07663
Paterson, NJ 07663

Website(862) 346-5751

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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+

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

Disputeweb Credit Repair serves clients in Paterson who want to build their credit. Its team specializes in helping individuals clean their negative credit reports and maintain their scores. It also disputes and guides clients with their legal rights by utilizing the FCRA systems. The company has served over 200 clients, repaired over 1600 credit items, and increased more than 15,000 credit scores. Dispute Credit Repair also partners with realtors, attorneys, auto dealers, and tax professionals.

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

InstagramWebsite(908) 838-4424

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:

4.9 / 5 ( Best)

Total Reviews:

32 (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 full-service credit repair company that serves the needs of Paterson residents. The firm assists clients in repairing their bad credit by utilizing a variety of personalized approaches. Its credit advisors review each client's credit report and dispute any negative or suspicious items with credit bureaus and creditors. The team also provides debt management solutions that can help clients maintain their credit scores. Rolando Nunez, the firm's founder, opened the company in 2019 and has been in the financial business since 2016.

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)

222 Broadway, New York, NY 10038
New York, NY 10038
  • Credit Dispute

USA Credit Repair is a company serving Paterson and its surrounding communities. It offers personalized credit repair services to individuals along with consultations to deliver advice on how to fix credit scores. Trusted by over 270,000 clients, its team evaluates credit reports to spot the items that are affecting the score. Moreover, the company works directly with Transunion, Experian, and Equifax, as well as creditors to execute the necessary steps on behalf of the client.

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

Website(800) 509-5751

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 / 5 ( Good)

Total Reviews:

203 (Best)

Score Consistency:

Variable (Good)

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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