Expertise.com

2024

Last updated:

Best Credit Repair Companies in Huntington

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Huntington 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.

155Reviewed

98Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Huntington, NY

Expertise.com Rating

Review Sources

Google
4.8 (10602)
Yelp
2.2 (30)

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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

Lexington LawExpertise.com

Huntington, 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.

  • Consumer Credit Services
  • Credit Repair

152 Madison Avenue, New York, NY 10016

Expertise.com Rating

Review Sources

Google
4.0 (108)

Why choose this provider?

Y2K Credit Solutions is a professional credit repair company that serves residential and commercial clients in Huntington and the surrounding areas. It offers a broad range of credit repair services that involve late payments, charge-offs, foreclosures, and IRS audits. The company's team of credit repair specialists conducts comprehensive routine inspections of financial records and sends dispute letters to various creditors and agencies. Y2K Credit Solutions provides each client with a snapshot report of all three credit bureaus that highlights their credit score. 

  • Credit Audit

222 Broadway, New York, NY 10038

Expertise.com Rating

Review Sources

Google
4.0 (196)

Why choose this provider?

USA Credit Repair is a company serving Huntington clients. It offers personalized credit repair services to individuals along with consultations to provide advice on how to fix their credit scores. Having accommodated over 270,000 clients, its team analyzes credit reports to detect the items that are affecting the score. Moreover, the company works directly with the three credit bureaus and creditors to ensure that disputes on inaccuracies and unverified items are handled on behalf of the client.

  • Credit Dispute

555 Broadhollow Road Suite 329, Melville, NY 11747

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (9)

Why choose this provider?

Serving residents of Huntington, Credit Scoring Advisor is a company that specializes in rapid credit repair. It also provides credit advice and education to its clients. Its services include a complete audit of credit accounts and filing of dispute letters with the credit bureaus. Its team of professionals is dedicated to continuing education to improve their knowledge in all areas of credit repair. Its founder, Daniel Sater, serves as a credit expert witness in court cases.

  • Credit Dispute

252 West 31st Street, New York, NY 10001

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

Berr Credit Up helps Huntington residents improve their credit scores, whether it is for financing a new home or a new car. Its team works with creditors and credit bureaus to address negative items and provides clients with access to their own accounts where they can view real-time updates on the status of their credit scores and reports. The credit score professionals assist clients in maximizing their scores to empower them to achieve their financial goals.

  • Credit Dispute

415 Madison Avenue, New York, NY 10017

Expertise.com Rating

Review Sources

Google
5.0 (18)

Why choose this provider?

New York Credit is a company that serves the credit repair needs of individuals and business owners in and around Huntington. It offers premium credit repair, VIP diamond repair, and VIP bankruptcy removal. The company works with FDCPA lawyers to address discrepancies on the payment demand letters sent out by collection agencies to its clients. Along with its understanding of the FCRA, it also offers credit counseling, debt elimination, and settlement services.

  • Debt Consolidation

3718 73rd Street Suite.202, Jackson Heights, NY 11372

Expertise.com Rating

Review Sources

Google
5.0 (125)

Why choose this provider?

Ultra Credit Solutions, Inc. is a locally owned and operated company that offers credit repair services in Huntington and the surrounding areas. The company works with individuals to improve their creditworthiness and fix their credit report errors to qualify for home and car loans. Its services include credit repair and personal credit audits. The company can assist businesses looking for credit counseling through its coaching program. It can also help address inaccurate information pertaining to credit errors, foreclosures, inquiries, tax liens, and student loans.

  • Credit Audit

399 Knollwood Road, White Plains, NY 10603

Expertise.com Rating

Review Sources

Google
5.0 (53)
Facebook
4.0 (27)
Yelp
3.0 (1)

Why choose this provider?

North Shore Advisory Inc. is a credit repair company that has been serving Huntington for over 30 years. It offers business and personal credit repair, credit building, monitoring, and education services. Its team of specialists creates personalized solutions to help its client cure their credit profiles and keeps track of their credit scores to maintain good standing. Its employees are FICO-certified and have worked with a broad range of clients, from realtors to lawyers and hospitals to non-profits.

  • Credit Dispute

1642 Coney Island Avenue, Brooklyn, NY 11230

Expertise.com Rating

Review Sources

Google
5.0 (46)
Facebook
5.0 (4)

Why choose this provider?

Credit Repair Plus specializes in credit restoration and financial consultation services. It has repaired and raised the credit scores of individuals in Huntington and the surrounding areas since 2004. Built with legal and business expertise, it has an average success rate of 70%. Customers can track the progress of their case via its website and access credit education programs and webinars. Those who want to expedite their cases can avail of its Fast Track program, which allows same-day case setup and priority services.

  • Credit Dispute

50 Washington Street, Norwalk, CT 06854

Expertise.com Rating

Review Sources

Facebook
4.9 (96)
Google
5.0 (93)

Why choose this provider?

Perfect Credit Consulting is a credit repair company founded by Howard Cutler, who works personally with his clients to help gather information regarding their credit scores. Its services include personalized credit consulting to figure out disputes and inaccurate information on a credit report. It also establishes and maximizes credit scores. The business caters to clients in Huntington and other surrounding areas. In the whole state, it is one of only two accredited credit repair companies according to the National Association of Credit Services Organizations.

  • Credit Dispute

12 Bayview Avenue, Lawrence, NY 11559

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Credit Repair Network, Inc., is a Lawrence-based company that serves clients in Huntington and the surrounding communities. It offers credit repair services, which include credit consultations, case analyses, and credit report disputes. It also assists clients in maximizing debt ratio scores as well as removing credit inquiries from TransUnion, Experian, and Equifax credit reports. In addition, the company gives clients 24/7 virtual access to their case status. Credit Repair Network has over 20 years of experience in business, consumer, and mortgage credit.

  • Credit Audit

1045 New York 109, Lindenhurst, NY 11757

Expertise.com Rating

Review Sources

Facebook
4.9 (16)
Google
4.0 (10)

Why choose this provider?

South Shore Credit Management, Inc. is a family-owned and family-operated business helping individuals in Huntington and nearby areas by improving their credits. It offers credit repair, consulting, management, and counseling. Equipped with over 20 years of experience and knowledge of credit laws, the company helps its customers dispute late dates, collection accounts, inquiries, bankruptcies, repossessions, and student loans. The company has helped thousands of customers since its establishment. South Shore Credit Management also caters to Spanish natives.

  • 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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