Best Credit Repair Companies in Cheektowaga

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ECG Debt Settlement & Credit Repair logo
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ECG Debt Settlement & Credit Repair

30-97 Steinway Street, Suite 205, 2nd Flr., Cheektowaga, NY 11103
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  • Credit Monitoring

Business Description

ECG Debt Settlement & Credit Repair serves clients in and around Cheektowaga. It offers credit repair services, assisting clients in removing negative items from their credit reports such as bankruptcies, business debts, foreclosures, repossessions, personal loans, and late payments. This credit advisory firm works with clients who want to get approved for a car or business loan, a credit card, or a mortgage. It also provides debt settlement and negotiation, credit counseling, and bankruptcy filing. The company has been in the industry for over 20 years.

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
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5.0 / 5 (98)
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5.0 / 5 (4)

Professionalism:

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5.0
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ECG Debt Settlement & Credit Repair

Prosperity Builders Consultants logo
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Prosperity Builders Consultants

300 International Dr Suite 100, Williamsville, NY 14221
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  • Credit Monitoring

Business Description

Prosperity Builders Consultants is a Williamsville-based credit repair company that serves clients in Cheektowaga. It provides comprehensive consultations to identify and address negative report items such as collection accounts, charge-offs, repossessions, and outstanding debts. In addition, it prepares and files necessary documents and letters to creditors for disputes involving inaccuracies. Through research and education, the company's staff stays up-to-date on credit guidelines and laws, as well as the governing regulations and techniques of credit bureaus—all of which contribute to its work on improving credit scores.

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Prosperity Builders Consultants

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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.

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