Best Credit Repair Companies in Yonkers

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Credit Repair Companies FAQs

Last updated: October 1, 2022

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Credit Saint

Yonkers, NY

Credit Saint is a credit repair company that helps residents around Yonkers that seek to address their credit damages and ensure financial security. The company offers credit assistance and guides clients through the process of challenging inaccurate, unverifiable, misleading, or negative items from their credit reports. Credit Saint's specialists work to analyze reports and evaluate credit histories to help remove damaging inquiries. The company has been addressing the credit repair needs of New Jersey communities since 2004.

AltoCredit

4348 Carpenter Ave Ste 1, Bronx, NY 10466

AltoCredit is a credit repair agency near Yonkers that aims to help clients improve their credit scores with its comprehensive, personalized service. Its work begins with a thorough credit audit that analyzes reports from all three major credit bureaus and looks for any potential errors, such as misspellings, outdated information, and mistakes. Next, it develops a plan for improvement, working with creditors to remove erroneous items from client credit reports, including collections, repossessions, and late payments. AltoCredit offers free credit audits for new clients and assigns a trained credit advisor who can give advice about credit, debt, and finances to each customer.

Credit Repair and Monitoring Services

West Burnside Avenue, The Bronx, NY 10453

Ish Credit Repair and Monitoring is a credit repair company in the Yonkers metro. The company offers credit counseling services and various programs to help clients fix their credit. Ismail "Ish" Kolya provides clients assistance with credit repair from start to finish. His methods aim to restore and build credit scores, plan debt payments, map financial goals, and save for future financial security. The company also provides services related to identity theft protection and home purchase counseling.

Credit Repair Official

1959 McGraw Avenue, The Bronx, NY 10462

Credit Repair Official is a credit repair company catering to clients in Yonkers. It specializes in a multitude of areas, such as foreclosure removal, collection removal, student loan removal, and identity theft protection. It aims to provide solutions for people having trouble with qualifying for financing due to personal credit issues, and works to build action plans tailored to the needs of each individual. The company also offers credit monitoring and credit building products.

Elite Credit Repair

1 Bridge Plz N Ste 2, Fort Lee, NJ 07024

Elite Credit Repair is a credit repair company near Yonkers that helps clients across the metro area improve their credit scores. It begins with a full credit consultation, providing the client with information about how FICO credit scores are calculated, before it works with creditors to remove old, erroneous, questionable, and unverifiable items from consumer credit reports. It then provides the client with help and advice to improve their credit rating. Elite Credit Repair has had success in removing bankruptcies, late payments, and collections and also offers advice to businesses about dealing with their finances, improving their credibility, and finding sources of funding.

National Debt Law

1639 Center Ave, Fort Lee, NJ 07024

National Debt Law is a credit repair and counseling firm that aims to help clients across the Yonkers metro area improve their credit score and financial situation. Its credit services focus on credit counseling, with trained and certified counselors who are able to give advice on consumer credit, personal budgeting, and debt management, as well as providing referrals, educational materials, and resources including personalized financial plans. It also offers a free self-guided FICO credit repair plan, which includes free personal budget templates and a monthly payment calendar. National Debt Law additionally offers debt consolidation and management services, with free consultations for new clients.

New York Credit Repair Company

415 Madison Avenue, New York, NY 10017

New York Credit Repair Company provides credit repair and counseling services in Yonkers. The firm offers a variety of credit repair programs to its clients. The VIP Bankruptcy Repair plan, for example, covers the removal of inquiries, third-party accounts, and bankruptcies. The VIP Diamond Repair program, meanwhile, includes all services in the aforementioned plan except for bankruptcy removal. New York Credit Repair Company is well-versed in the Fair Credit Reporting Act. It partners with Fair Debt Collection Practice Act attorneys for debt collection violations.

Reliant Credit Repair

59 Main Street, West Orange, NJ 07052

Reliant Credit Repair believes that education and information are important to achieve healthy credit scores and financial goals. It offers credit score improvement, negative item removal, and dispute letter submission for clients in Yonkers and the surrounding areas. It provides 24/7 credit monitoring, customized tools, educational tactics, and a user-friendly interface to keep clients informed during the whole process. Its professionals also discuss action plans and aim to increase credit limits, lower interest rates, and get better mortgage rates.

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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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