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Best Credit Repair Companies in Buffalo

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Consumer Credit Counseling Service of Buffalo, Inc. logo

Consumer Credit Counseling Service of Buffalo, Inc.

40 Gardenville Pkwy W Ste 300, West Seneca, NY 14224
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Founded in 1965, Consumer Credit Counseling Service of Buffalo Inc. is a nonprofit credit counseling agency that serves Buffalo and nearby areas. It provides strategies to help clients master credit and minimize debt. The company's financial counselors review and assess credit reports, and then provide recommendations on how to improve credit scores and dispute inaccuracies in the report. They evaluate credit scores and reports and provide solutions for student loan problems, including forbearances, deferments, consolidation loans, or alternative payment plans. The counselors also deliver financial, small business, reverse mortgage, and homebuyer education counseling. The company offers bankruptcy coaching to help clients understanding the process and prepare to file for bankruptcy.

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Graham & Borgese logo

Graham & Borgese

1643 Hertel Ave Ste 1, Buffalo, NY 14216
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Graham & Borgese is a law firm in the Buffalo area that specializes in credit repair and debt counseling. It provides consumer advocacy for those experiencing harassment or deceptive practices from lenders and collection agencies, and it offers consultation to determine when a consumer's rights have been violated. In-house attorneys represent those attempting to consolidate debts, and legal experts monitor the terms of all contracts and settlements to ensure optimal terms for consumers. Graham & Borgese also offers student loan debt counseling to determine if borrowers are eligible for student loan consolidation or rehabilitation. Bankruptcy litigation is provided as well.

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My Boss Financial Solutions logo

My Boss Financial Solutions

50 Fountain Plaza, Buffalo, NY 14202
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  • Credit Audit

My Boss Financial Solutions is a credit repair company that serves Buffalo. It helps its clients improve their credit scores through a comprehensive plan. This includes credit education and restoration, budgeting, and debt elimination. It also provides daily credit monitoring and credit score tracking. In addition, it offers access to credit and debt collection attorneys. For people who want to improve their credit scores on their own, the company has a DIY kit that contains instructions and templates.

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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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