Expertise.com

2024

Last updated:

Best Credit Repair Companies in Amherst

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Amherst Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

91Reviewed

56Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Amherst, NY

Expertise.com Rating

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

  • Money Back Guarantee
  • Credit Repair
  • Credit Restoration
  • Credit Audit
  • Credit building
Lexington Law logo

Lexington LawExpertise.com

Amherst, NY
Free Credit Report Consultation

Expertise.com Rating

Review Sources

Facebook
4.3 (2911)

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.

  • Credit Repair
  • Consumer Credit Services

300 International Drive, Williamsville, NY 14221

Why choose this provider?

Prosperity Builders Consultants is a credit restoration company that serves clients in Amherst. It utilizes its understanding of federal credit laws, as well as necessary education and procedures as part of the repair process. The company helps clients regain their confidence and attain freedom from financial problems by providing credit monitoring solutions that fit their needs. It also helps clients improve their credit scores by removing repossessions, late payments, charge-offs, student loans, tax liens, and bankruptcies.

  • Credit Audit

50 Fountain Plaza, Buffalo, NY 14202

Expertise.com Rating

Review Sources

Google
5.0 (25)
Facebook
5.0 (9)

Why choose this provider?

My Boss Financial Solutions is a credit repair company that serves Amherst and the surrounding communities. The company has a team of lawyers and professionals who help clients improve their credit rating by filing lawsuits on behalf of clients who receive collection letters that break the law. Additionally, they conduct a thorough review of clients' credit reports, disputing any incorrect information included in them. My Boss Financial Solutions also provides personal loans, business credit, and various funding programs across the US.

  • Debt Consolidation
  • Credit Monitoring
  • Credit Dispute

FAQs

  • 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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