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Best Credit Repair Companies in Toms River

2024

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

Why choose this provider?

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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.

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

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 logo
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Lexington Law

Toms River, 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

Price: Free Credit Report Consultation

Website
Toms River, NJ
  • Credit Monitoring

Why choose this provider?

Quick Flip Credit offers residents of Toms River and nearby communities with assistance in improving their financial standing. It offers credit repair services and improves clients’ credit scores through the removal of unsecured debts such as medical bills, payday loans, and old credit card balances. It deletes payments that are reported late by creditors. The company tackles repossession issues and takes them out of its clients’ credit report. It also eliminates judgments, student loans, bankruptcy, and inquiries.

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 (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
377 Hoes Ln #105, Piscataway, NJ 08854
  • Credit Dispute

Why choose this provider?

Fresh Start Financial Group Inc. caters to residents of Toms River who need to fix their credit scores. The firm analyzes a client's obligations, determining which ones have been met or otherwise settled. It challenges erroneous entries in one's debt records, disputing those that incorrectly indicate a paid-up sum as still outstanding. Fresh Start was founded by Noel Verdejo in 2019. He was a former finance director in the car industry, and there honed his skills in arranging financial schemes for property buyers.

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 (58)

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
Toms River, NJ 08753
  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Why choose this provider?

Anchors Aweigh Credit Solutions Company caters to the Toms River metro and the surrounding areas. It offers credit repair services, helping individuals take control of their credit and regain their finances. It develops personalized plans suited to the clients' situation, investigates their credit history for negative information, and challenges incorrect and unverifiable items. Some of the common ones are bankruptcies, charge-offs, collections, late payments, repossessions, and student loans. The company also provides credit education, showing customers methods for rebuilding their credit.

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 (20)
Facebook
5.0 / 5 (6)
Yelp
5.0 / 5 (3)

Website
Marlton, NJ 08053
  • Credit Monitoring

Why choose this provider?

Select Us is a credit repair counseling firm that caters to clients in Toms River and the surrounding areas. It has been in the industry for over 30 years, serving individuals looking to repair their credit scores. The company directs each client to a personal consultant to walk them through the progress, providing credit analysis and coaching. Its consultants also cater to advanced issues, such as debt settlements, a new collection, wage garnishment, and judgments.

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 (180)
Facebook
4.8 / 5 (53)

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
P.O. Box 48, Toms River, NJ 08754
  • Credit Monitoring

Why choose this provider?

Capital Credit Consultants has been serving clients in Toms River and nearby areas for more than 25 years. Its team provides credit repair options and suggests an alternative to restore the client's preferred credit rating. It also presents a detailed review of their accounts to identify negative and inaccurate information as well as potential areas for improvement. Deletion and disputes are also offered to challenge companies against credit issues that involve collections, foreclosures, 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
Google
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

Why choose this provider?

Chic Financial Services is a Princeton-based company that caters to clients in Toms River and neighboring areas. It provides essential, limitless, and partners packages, including credit education, disputes, and report analyses. It also offers Credit Builder, RentReporters, Self Lender, and Business Credit Builder programs. These involve applying for secured credit cards, adding rent payments for the past two years, and improving Paydex scores. In addition, Chic Financial Services offers DIY digital products, including business credit building e-books and checklists.

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
151 NJ-33 Suite 207, Manalapan Township, NJ 07726
  • Credit Monitoring

Why choose this provider?

Emerald Credit Solutions is a company that serves Toms River. Its advisors offer solutions to help consumers rebuild their credit in order to qualify for new loans, make big purchases, or get a job. They perform full credit analyses and dispute inaccuracies on reports, including balances, charge-offs, collections, delinquencies, inquiries, and late payments. The company handles all paperwork and document processing on its clients’ behalf and provides monthly progress reports. Emerald Credit Solutions was founded in 2020.

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

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

Why choose this provider?

Better Qualified serves clients in Toms River and the surrounding areas. It offers a wide range of services, including credit repair and credit report analysis. Its team of FICO-certified professionals examines the most recent credits reports and scores from Equifax, Experian, and Transunion before contacting these credit bureaus and creditors on the clients' behalf. The firm was featured on media networks like NBC, CBS News, ABC News, Fox Business, and The Wall Street Journal.

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 (59)

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

Frequently Asked Questions

  • 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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