Expertise.com

Best Credit Repair Companies in New Rochelle

2023

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Website
New Rochelle, NY
  • Credit Restoration
  • Money Back Guarantee
  • Credit building
  • Credit Audit
  • Credit Repair

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Credit Evaluation

Lexington Law logo
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Lexington Law

New Rochelle, NY
  • Consumer Credit Services
  • Credit Repair

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.

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.
4.3
Facebook
4.3 / 5 (2911)
Google
4.1 / 5 (591)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Credit Report Consultation

Website
891 Clarkson Avenue, Brooklyn, NY 11203
  • Credit Audit

Why choose this provider?

Ebony Credit Solutions is a company that serves New Rochelle. It creates plans of action to help clients rebuild their credit situation, including reviewing reports for any negative or inaccurate information such as delinquent accounts, collections, and incorrect personal details and dates of last activity. Its audit service aims to improve credit-to-debt ratios and help individuals qualify for new loans. The company also offers 24/7 client portal access and customer service support. Credit Solutions was established in 2017.

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.
4.9
Google
4.8 / 5 (19)
Facebook
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1790 Flatbush Ave, Brooklyn, NY 11210
  • Debt Consolidation

Why choose this provider?

For over 14 years, Credit Mount has been helping New Rochelle residents work their way to financial success. The firm specializes in serving legal professionals who need to improve their credit scores. It uses proprietary software to accelerate the process and implements strategies based on the needs and goals of its clients. It also offers credit restoration, building, and monitoring services. In addition, it provides consultations on matters involving identity theft. Credit Mount has worked with the Bank of America.

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.
4.8
Google
4.7 / 5 (14)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4211 Broadway Ste# 110B, New York, NY 10034
  • Credit Monitoring

Why choose this provider?

Credit City is a company that provides an array of services to individuals and business owners in the New Rochelle area and the surrounding communities. Through its credit repair solutions, it assists clients in obtaining investment properties. The enterprise works with various credit reporting agencies to establish the business' credit profile. Its specialists also create solutions for outdated, inaccurate, questionable, misleading, and unverifiable data regarding consumers' credit reports. Credit City has partnerships with TransUnion, Equifax, Experian, and Authorize.Net.

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.
4.8
Facebook
4.8 / 5 (26)
Google
4.6 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
12 Bayview Ave. Unit 632, Lawrence, NY 11559
  • Credit Audit

Why choose this provider?

Credit Repair Network, Inc., operates in and around the New Rochelle metro. The Lawrence-based company helps clients improve their credit scores and clean up their financial records. It creates personalized dispute options to fit its clients' needs, writes dispute letters submitted on their behalf, and assigns them a case analyst and advisor who works with them personally throughout the process. Credit Repair Network is staffed by a team that has worked 15 years as mortgage bankers, brokers, and loan officers.

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
Google
5.0 / 5 (5)

Website
​217 W 231 Street, Bronx, NY 10463
  • Credit Audit

Why choose this provider?

Climbing Score LLC serves individuals who want to acquire investment properties in New Rochelle and nearby locations. It aims to help debtors improve their credit scores by providing them with an array of repair solutions. The enterprise works with creditors and credit bureaus to identify clients' negative report items. Its specialists create customized plans to improve credit scores and reports. Consumers can track their accounts 24/7 using computers and smartphones. Climbing Score can accommodate clients who speak Spanish.

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

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
200 Garden City Plaza, Garden City, NY 11530
  • Credit Monitoring

Why choose this provider?

New Hope Credit Services serves the people of New Rochelle and the surrounding communities. Its team members examine each entry on a client's credit report to identify incorrect items. They assist in credit rebuilding by disputing problematic entries such as collections, late payments, public records, and judgments with credit bureaus and creditors. Credit professionals also educate customers on how to use credit, such as how to use personal credit scores to get approved for business lines of credit and loans.

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.
3.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
160-29 Union Turnpike, Fresh Meadows, NY 11366
  • Debt Consolidation
  • Credit Audit

Why choose this provider?

A&M Credit Repair offers its services to residents of New Rochelle and the surrounding areas. It helps people improve their credit scores by challenging the negative items in their credit reports, such as collections, repossessions, late payments, and foreclosures. In addition to credit repair, the company applies for credit cards on behalf of its clients to help them build their future credit. Angel Suero, the founder of A&M Credit Repair, has almost a decade of experience in the industry.

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
Google
5.0 / 5 (1)

Frequently Asked Questions

  • 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.