Credit Repair Companies in New York

Top Credit Repair in
New York

The first thing to understand as you search for credit repair companies in New York is how they work. Well, they check for mistakes in consumer reports and help consumers exercise their rights under the FCRA.

All US residents are entitled to the highest levels of accuracy, but far too often, errors emerge during the reporting process. For instance, creditors often make mistakes when digitizing hand-written loan applications. Loan companies may also make mistakes when reporting account statuses. They may fail to appropriate repayments to the right accounts, leading to wrongful late payment entries.

An important disclosure: hiring credit repair companies in NY is not necessary. You heard that right. Even if you’re not comfortable with the repair process, it’s quite easy to learn self-help DIY techniques.

Reputation

The reputation tells us whether customers can trust the brand to deliver on its core mandate.

Industry Expertise & Reliability

Our experts analyze metrics about the number of disputes filed and consider the complaints brought by customers.

Technology & Tools

We check if the brands have modern websites, functional user portals, and mobile apps.

Range of Features

Our experts consider whether the firm offers creditor interventions, debt validation, report tracking, etc.

Affordability

The firm should not be charging above industry rates, and packages must be affordable for all customers.

Best Credit Repair Companies in New York

The right service for credit repair in NYC should go out of their way to offer stellar services. That means availing enough credit repair specialists to oversee all operations and answer all customer queries. Their services must be affordable and proven. For the best credit repair company in New York, our experts highly recommended the following options:

Credit Glory

Highlights
Score
0
  • Trust
  • Technology
  • Affordability
  • Features
  • Total Score0
Score
0
  • Market Experience: 4 years
  • Service Guarantee: Yes
  • Free Consultation: Yes
  • BBB Rating: B+
  • Costs: $99
  • Main Office: New York, NY
Pros
  • 90-day money-back assurance
  • Numerous positive reviews
  • Trusted repair brand
  • Renowned for excellent customer service
Cons
  • Doesn’t offer full refunds
  • Not as many years of credit experience

For the best credit repair service in New York, Credit Glory is a safe bet. They offer professional repair services in person and through online appointments. Customers can choose from three pricing options, including a monthly plan for $99. For single deletions, the firm charges $79. They back up their service with a 90-day assurance.

Pyramid Credit Repair

Highlights
Score
0
  • Trust
  • Technology
  • Affordability
  • Features
  • Total Score0
Score
0
  • Market Experience: 5 years
  • Service Guarantee: Yes
  • Free Consultation: Yes
  • BBB Rating: Not Accredited
  • Costs: $99
  • Main Office: New York, NY
Pros
  • Personal case managers
  • Personalized custom disputes
  • Very flexible billings with pause & postpone
  • No contracts, pay-as-you-go
Cons
  • Lacks free educational & credit tools
  • Not as popular

Pyramid Credit Repair, a New York-based firm, has offered stellar service for more than 10 years. Each aspect of their service is standardized. New customers receive an initial free consultation. All accounts are overseen by dedicated live account managers. They review reports before formulating customized strategies to challenge bureaus. Their individual plan goes for $99 per month.

*Currently accepting online appointments only.

Ovation Credit Services

Best for personalized disputes & services
Ovation Credit Services Sign up
Highlights
  • Free Credit Analyst consultation
  • Established by attorneys
  • No charges for mid-term cancellations
  • Personalized dispute options
  • Fast-tracking
Score
3.8
  • Trust4
  • Technology3
  • Affordability4
  • Features4
  • Total Score3.8
Score
3.8
  • Market Experience: 45 years
  • Service Guarantee: No
  • Free Consultation: Yes
  • BBB Rating: A+
  • Costs: $79 - $109
  • Main Office: Jacksonville, Florida
Pros
  • A solid reputation and highly experienced
  • One-on-one assistance from a personal case advisor
  • Fast Track Service with no wait times
  • Discount programs for couples, referees, military, and seniors
Cons
  • No mobile apps
  • No refunds

Ovation is an attorney-founded repair agency with a 17-year history of market experience. Its two packages at $79 and $109 make the service an affordable choice. There are plenty of discounts for veterans, couples, seniors, and active-duty military. For a worry-free service, they allow customers to cancel before the billing date with no partial charges.

Credit Saint

Best for reliable & trusted services
Credit Saint Sign up
Highlights
  • BBB accredited with no outstanding claims
  • Customized arguments
  • Credit rebuilding guidance
  • Unmatched 90-day Money Back Protection
  • Free credit consultation
Score
4.5
  • Trust5
  • Technology4
  • Affordability4
  • Features5
  • Total Score4.5
Score
4.5
  • Market Experience: 17 years
  • Service Guarantee: Yes
  • Free Consultation: Yes
  • BBB Rating: A
  • Costs: $79.99 - $119.99
  • Main Office: Oakland, NJ
Pros
  • Free credit evaluation
  • Score tracker and analysis in the lowest package
  • Good market reputation
  • Custom arguments and comprehensive reporting
Cons
  • High initial work fee (from $99 to $195 as per package)
  • Lacks a mobile app

The Credit Saint firm is among the best credit repair companies in New York because of its incredible history of successful outcomes. Experts help new customers go over the specific details of their credit history and point out items they disagree with. Its packages go for $79.99 – $119.99 per month.

The Credit People

Best affordability
The Credit People Sign up
Highlights
  • Lowest first work fee & one package pricing
  • Money-back guarantee
  • Trusted by over 100,000 users
  • Unlimited disputes
  • Results in just 60 days
Score
4.3
  • Trust5
  • Technology3
  • Affordability5
  • Features4
  • Total Score4.3
Score
4.3
  • Market Experience: 20 years
  • Service Guarantee: Yes
  • Free Consultation: Yes
  • BBB Rating: C+
  • Costs: $79
  • Main Office: Cottonwood Heights, UT
Pros
  • Lowest first work fee
  • One package pricing with a low setup fee
  • Free score and progress reporting
  • Pursues other avenues of improving credit
  • Unlimited disputes
Cons
  • No mobile app
  • Not BBB accredited

The Credit People aims to deliver the best value in the industry. They do this by offering straightforward monthly pricing at only $79 and the lowest setup free across the industry at $19. The firm’s commitment to score-driven results allows them to go beyond finding errors. Customers who are not satisfied may cancel at any time. As a courtesy, the firm issues the last month’s payment as well.

White Jacobs & Associates

White Jacobs and Associates

For credit repair lawyers in NYC, White Jacobs offers a high-quality attorney-backed process. They connect clients to their in-house analysts who investigate items and prepare custom disputes. They have averaged a success rate of 70 to 90%. The only issue is that they are not upfront about their costs. Customers must first obtain a free consultation.

Credit Repair Services in NYC

The truth of the matter is that there’s a lot of suspicion attached to repair firms. There have been alarming articles all over including in the New York Times.

Now, repair companies can be trusted. The source of conflict arises out of a common misunderstanding about the role of credit repair agencies. The services don’t have a magic wand that they can wave to make past mistakes or debt disappear. They only exist to tackle inaccuracies. Customers also need to be proactive by reviewing their reports before approaching Credit repair companies in New York.

You’re the most qualified person to confirm the accuracy of all your current and past accounts, such as credit cards or personal loans. Reputable repair services live up to their promise, by issuing refunds to customers if they can’t deliver results. So, for added assurance, consider working with renowned brands and confirm if they provide service guarantees.

FAQ

Yes, it’s legal to repair credit in New York, and the State introduced Article 28-BB to the General Business Law to govern the operations of Credit Service Businesses and grant consumers legal protections. For instance, it prohibits advanced fees and deceptive acts. The law also empowers residents to bring lawsuits against businesses that breach its provisions.

The top repair firms may charge for each item deleted, and this may range from $50 to $80 depending on the seriousness of the entry. Our reviewed firms have monthly packages ranging from $69 to $130. Most companies have an initial review fee that should be factored into the final costs.

Order free report copies from annualcreditreport.com. Alternatively, create an Experian or Equifax account to order copies from their websites.

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