Expertise.com

2024

Last updated:

Best Credit Repair Companies in Brooklyn

Our Recommended Top 8

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 Brooklyn 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.

1820Reviewed

1095Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Brooklyn, 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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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 building
  • Credit Restoration
  • Credit Audit
  • Credit Repair
Lexington Law logo

Lexington LawExpertise.com

Brooklyn, NY
Free Credit Report Consultation

Expertise.com Rating

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

1790 Flatbush Ave., Brooklyn, NY 11210

Expertise.com Rating

Review Sources

Google
4.7 (13)
Facebook
5.0 (8)
Yelp
5.0 (2)

Why choose this provider?

Credit Mount provides individuals and businesses in Brooklyn with guidance in dealing with their credit. The firm has different programs that assist clients in lowering current interest rates, refinancing, and debt settlement. Its team monitors the credit score of individuals and helps them build or restore it. It also offers identity theft and credit and divorce consulting and loan assistance. For the past 14 years, the firm has removed over two million negative items from its clients' credit profiles.

  • Credit Audit
  • Debt Consolidation
  • Credit Monitoring

188 Grand Street, New York, NY 10013
Website

Expertise.com Rating

Review Sources

Facebook
4.6 (396)
Google
5.0 (2)

Why choose this provider?

ASAP Credit Repair is a company that offers solutions to the credit problems of residents in Brooklyn. It starts with reviewing clients' credit reports then disputing the negative accounts with credit bureaus. Through this process, clients can expect improvements in their credit scores. Some of the credit issues that the company deals with are late payments, collections, charge-offs, public records, credit fraud, and bankruptcies. ASAP Credit Repair has helped more than 100,000 clients improve their credit scores.

  • Credit Dispute

950 3rd Avenue, New York, NY 10022

Expertise.com Rating

Review Sources

Google
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

Credit Advisors Council is a full-service credit repair company that serves clients in Brooklyn. Its team of credit specialists assists customers in fixing and improving their credit scores by challenging inaccurate, misleading, and unverified items in their credit reports. They also support clients in resolving other financial issues by providing credit counseling services for debt settlement, student loan consolidation, identity theft, and financial literacy. Based in New York City, the company operates in extended hours, including evenings and weekends.

  • Credit Monitoring
  • Credit Audit

195 Plymouth Street, Brooklyn, NY 11201

Expertise.com Rating

Review Sources

Yelp
4.0 (17)
Google
3.0 (7)

Why choose this provider?

Reliable Credit Repair is a full-service credit repair agency that aims to help clients near Brooklyn improve their credit scores and financial status. The firm offers personalized, comprehensive, and confidential credit assistance by disputing and appealing unverifiable negative accounts from client records, such as student loans, charge-offs, repossessions, collections, and bankruptcies. Three credit professionals are assigned to each client, and they will continue to provide coaching to help clients build and maintain good credit standing. The agency was established in 2007 by Eli Yadid.

  • Credit Monitoring

375 Park Avenue, New York, NY 10022

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Credit Fix Total Group is a credit repair specialist serving individuals and business owners in the Brooklyn area and the surrounding communities. The company performs credit restoration services, including credit reports analysis, consulting, and personal credit building. In addition, it offers a business credit builder that assists business owners in minimizing financial restrictions for business growth. Credit Fix Total Group guides clients through the process of improving their credit scores and enables them to see improvement in less than 60 days.

  • Debt Consolidation
  • Credit Monitoring
  • Credit Audit

405 East 175th Street, Bronx, NY 10457

Expertise.com Rating

Review Sources

Google
5.0 (25)

Why choose this provider?

Credit Boost And Repair is a credit counseling business providing its services to clients in the Brooklyn area. It offers credit restoration solutions based on its experience with the credit bureaus and its knowledge of consumer laws. The business helps its clients dispute inaccurate and questionable credit reports. It also assists them in removing late payments, tax liens, and foreclosures in their credit history. Additionally, Credit Boost and Repair works on eliminating bankruptcies and repossessions in people's credit reports to improve their scores.

  • Credit Monitoring

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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