Best Credit Repair Companies in Toms River

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Credit Repair Companies FAQs

Learn more
Anchors Aweigh Credit Solutions Company logo
Visit Website

Anchors Aweigh Credit Solutions Company

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

Business Description

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 (16)
Facebook
5.0 / 5 (6)
Yelp
5.0 / 5 (2)
Visit Website

Anchors Aweigh Credit Solutions Company

Better Qualified logo
Visit Website

Better Qualified

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

Business Description

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
Visit Website

Better Qualified

Capital Credit Consultants logo
Visit Website

Capital Credit Consultants

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

Business Description

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
Visit Website

Capital Credit Consultants

Chic Financial Services logo
Visit Website

Chic Financial Services

100 Overlook Center, Princeton, NJ 08540
Visit Website
  • Credit Monitoring

Business Description

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
Visit Website

Chic Financial Services

Emerald Credit Solutions logo
Visit Website

Emerald Credit Solutions

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

Business Description

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
Visit Website

Emerald Credit Solutions

Fast Credit Repair Service logo
Visit Website

Fast Credit Repair Service

98 Armstrong Avenue, Staten Island, NY 10308
Visit Website

Business Description

Fast Credit Repair Service assists individuals in Toms River and the surrounding areas with their credit repair needs by challenging inaccurate or negative information from a report. The restoration process involves examining credit reports from the three bureaus and developing a plan for items for dispute. An online portal is available for clients to view the progress of their cases 24/7. The financial management and dispute packages address issues, like student loans, child support, and public records.

Visit Website

Fast Credit Repair Service

Fresh Start Financial Group Inc. logo
Visit Website

Fresh Start Financial Group Inc.

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

Business Description

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
Visit Website

Fresh Start Financial Group Inc.

Quick Flip Credit logo
Visit Website

Quick Flip Credit

Toms River, NJ
Visit Website
  • Credit Monitoring

Business Description

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 (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
Visit Website

Quick Flip Credit

Select Us logo
Visit Website

Select Us

Marlton, NJ 08053
Visit Website
  • Credit Monitoring

Business Description

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
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
Visit Website

Select Us

Back to Providers

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.

Read All FAQS