Expertise.com
2024

Last updated:

Best Credit Repair Companies in Staten Island

Our Recommended Top 7

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 Staten Island 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.

338

Reviewed

205

Curated

7

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider
Lexington Law logo
FEATUREDExpertise.com

Lexington Law

Staten Island, 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

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

Staten Island, NY

Why choose this provider?

Need help contacting a Credit Repair Company in Staten Island? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

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 booking service | Call 848.Book.Pro!

Website
276 5th Avenue, New York, NY 10001
  • Credit Audit

Why choose this provider?

Pinnacle Credit Repair is a New York-based business that assists the credit management and restoration needs of Staten Island residents. Its team uses artificial intelligence to analyze credit reports, and the credit repair specialists file disputes for clients every two weeks until the credit becomes clean. Furthermore, they use a system called A.C.A.T which reduces dispute response time from 30 to 15 days, and they offer credit maintenance and management assistance. Pinnacle Credit Repair appeared on the Better Credit Blog.

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.
4.4
Google
4.4 / 5 (41)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
188 Grand Street, New York, NY 10013
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

Asap Credit Repair provides services that aim to improve the credit scores of clients in Staten Island and other nearby areas. It reviews credit reports, identifies negative accounts, and finds opportunities to improve scores. It files disputes with credit bureaus to correct or delete inaccurate entries and unverified items that affect credit scores. In addition, it has helped over 100,000 clients deal with various problems such as bankruptcies, credit fraud, late payments, collections, charge-offs, and foreclosures.

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.
4.6
Facebook
4.6 / 5 (396)

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
6012 Jackson Street, West New York, NJ 07093
  • Credit Dispute

Why choose this provider?

NJ Credit Repair is a company that solves clients' credit problems in Staten Island. It offers clients personalized services in resolving negative items on credit reports, such as analysis, formulating action plans, and guidance. Clients can contact the company's team of professionals by phone, social media, or chat through their website to start the credit repair process. NJ Credit Repair also ensures that client data will be kept secure and confidential. It can assist clients in English and 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
Google
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
195 Plymouth Street, Brooklyn, NY 11201
  • Credit Monitoring

Why choose this provider?

Credit Pro Repair is an organization that provides credit repair services for clients located in Staten Island. Eli Yadid founded the company in 2007. The company provides credit improvement services that include removing negative items on clients' reports. These include late payments, tax liens, bankruptcies, and current loans. It also provides suggestions on how to rebuild the credit scores of clients. For clients looking to acquire loans, jobs, and security clearances, it can help restore their credit scores.

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
Yelp
4.1 / 5 (20)
Facebook
5.0 / 5 (6)

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
252 West 31st Street, New York, NY 10001
  • Credit Monitoring
  • Credit Dispute

Why choose this provider?

Berr Credit Up is a professional credit repair and restoration firm that helps clients in Staten Island as well as its neighboring areas. The firm offers personalized and confidential credit assistance by appealing inaccurate and unverifiable negative accounts from customers' credit profiles. Items such as bankruptcies, foreclosures, collections, charge-offs, and repossessions can be legally disputed by its team. Berr Credit Up also offers an online portal where clients can check their accounts and track their credit score's progress.

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
Facebook
5.0 / 5 (72)
Google
5.0 / 5 (8)

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.

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