Best Credit Repair Companies in New Jersey

Best Credit Repair Companies in

New Jersey

Chris Morgan
Author : Chris Morgan
Updated on : September 3rd, 2021

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Chances are you just did a Google search for “best credit repair companies near me.” If you’re only looking for our number one pick, then it’s Credit Saint. With a 90-day money-back guarantee, an A+ rating from the BBB, and fast customer service, Credit Saint is the best option.

New Jersey is a very unique state, known for both busy city life and gorgeous beach getaways. New Jersey offers its own rich culture and history, refusing to be overshadowed by its larger neighbors, New York and Pennsylvania.

Physically, New Jersey is a very small state on the map. However, for its size, it has a very high population and strong economy. New Jersey has a current population of almost 8.9 million (11th in the country) and a GDP of $6.25 billion (10th in the country).

When it comes to credit scores, New Jersey residents are doing pretty well. According to 2020 data from Experian, New Jerseyites have an average credit score of 721, which is higher than the national average of 711.

However, credit scores in different New Jersey cities range wildly:

  • According to Experian, Basking Ridge residents have an average FICO score of 766, good for 15th highest in the US.
  • According to WalletHub, four cities in New Jersey rank in the bottom 15 among 2,572 US cities surveyed. They are Newark (587), New Brunswick (577), East Orange (576), and Camden (552), which is actually the lowest average credit score in the entire US, tied with East St. Louis, Illinois and Chester, Pennsylvania.

As New Jersey is generally a state with a higher than average cost of living, having a good credit score is even more important. A low credit score can hurt you in many areas financially, such as buying a home:

  • Based on recent data from Zillow, the average home price in New Jersey is $415,066. Suppose you put 20% down and take out a 30-year mortgage for $332,052.80.
  • With an excellent credit score, you may qualify for a 3% interest rate. Your monthly payment would be $1,400, and your total mortgage would cost $503,981.
  • With a poor credit score, you may qualify for a 5% interest rate. Your monthly payment would be $1,783, and your total mortgage would cost $641,711.

As you can see, having a better score could save you an extra $400 per month, and nearly $140,000 over the lifetime of your mortgage!

If you live in New Jersey and aren’t satisfied with your current credit score, credit repair may be an excellent option. There are many great companies in the Garden State that can help you get your credit score fixed up.

In this article, we’ll cover 13 of the best credit repair companies in New Jersey. This is a great list for you to start narrowing down your options and find a company that’s best suited for you.


Is Credit Repair Legal In New Jersey?

Yes, credit repair is legal in New Jersey. This document created by the New Jersey Division of Consumer Affairs contains a summary of the laws that credit repair companies must abide by. In particular, note that the company must provide a detailed written contract of services to be provided. If you wish to cancel the contract, you have three days to do so.

Also, all credit repair companies in the US must follow the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). Among other things, these laws make it illegal for companies to ask for advance payments.


How Does Credit Repair In New Jersey Work?

Credit repair companies in New Jersey usually follow this general three-step process:

  • Free consultation: Your first meeting with a company representative usually involves walking through your credit report, looking for potential errors, and learning about the company’s services.
  • Dispute errors on your behalf: If you choose to continue with paid services, the company will help you create a plan of attack and dispute errors on your behalf.
  • Recommendations going forward: During the credit repair process, the company may make additional recommendations on how to build positive credit.

To learn more about how credit repair companies work, check out this article.


Best Credit Repair Services In New Jersey

We’ll now introduce our top three credit repair companies in New Jersey. These are all mainly online-based companies, so it’s easy to get started with them regardless of where you live in New Jersey.

Credit Saint


Credit Saint Logo

Credit Saint is a well-known credit repair agency that has been helping clients improve their scores since 2004. Within six months, any clients see score increases of 50, 100, and possibly more.

Credit Saint sets an industry standard by offering a 90 day money-back guarantee. If they are unable to remove items from your credit report in two 45-day dispute cycles, you’re entitled to a full refund. This can give you extra assurance, since you’re either guaranteed results or your money back.

While Credit Saint is an online-based service, they do have a local office in New Jersey. Their office at 250 Pehle Ave #200 in Saddle Brook has an average rating of 4.5 out of 5 among 1,477 Google reviews. If you prefer meeting with credit repair professionals in person, definitely schedule a visit.

We also recommend Credit Saint because of the following:

  • Reasonable Prices
  • Flexible Cancellation
  • Efficient and Transparent 45 Day Dispute Cycles
  • Private Dashboard
  • Highly Rated on BBB, Good Track Record
  • No Fees When Requesting Credit Reports

We go more in-depth into Credit Saint’s services in our full review.

Lexington Law


Lexington Law Logo

Lexington Law is another highly successful credit repair company. Since 2004, they have written over 220 million dispute letters on behalf of their clients. 

Few other credit repair agencies can beat Lexington Law’s pricing. Unlike many other firms, Lexington Law doesn’t charge an initial setup fee. Even their most expensive plan costs $129.99 per month which is very reasonable.

Lexington Law’s staff also gives them a competitive advantage. Each member of their staff has verified legal experience, which they display publicly on their website. This legal expertise and transparency about their staff is always a good sign for a credit repair company.

We also recommend Lexington Law because of the following:

  • Experience & Popularity
  • Reasonable Pricing
  • Offers Mobile App
  • Free Resources On General Credit Improvement
  • Flexible Customer Service Hours

For more information, read our full review of Lexington Law.

CreditRepair.com


Credit Repair Logo

CreditRepair.com is another online-based company that we recommend to New Jersey residents. Since 2007, they have been able to remove over 1.8 million errors from credit reports.

CreditRepair.com has the advantage when it comes to credit education. While many firms are great at repairing credit, few emphasize learning about your credit as much as CreditRepair.com does. On their website, you’ll find their Credit Education tab, which is full of informative articles on all sorts of credit topics.

We also recommend CreditRepair.com because of the following:

  • Ongoing Credit Education and Support
  • Simple Process: Check, Challenge, Change.
  • Reasonable Pricing
  • Offers Mobile App

Credit Repair Offices Near Me In New Jersey

We highly recommend any of these three companies to anyone in New Jersey. However, with the exception of Credit Saint which has a local New Jersey location, most of these companies do their work entirely online. If you prefer going to a local office for credit repair, take note of our next 10 local recommendations.

Better Qualified (Eatontown)


Better Qualified Logo

Better Qualified offers credit repair services in Eatontown. Among 272 Google reviews, they have an average rating of 4.6 out of 5.

Better Qualified has fine-tuned their credit repair program over their 20 years of experience in the industry. They will help you dispute errors off your report and help with debt settlement and cease and desist orders if necessary.

There are three levels of service at Better Qualified, ranging from $550 to $1,200 for the entire program which includes 12 months of membership benefits. The more expensive plans include more item deletions. We like that Better Qualified has a very simple and transparent pricing model.

Contact Information:

  • Address: 19 Christopher Way, Eatontown, NJ 07724
  • Phone: (888) 533-8138
  • Email: info@betterqualified.com

Disputeweb Credit Repair (Newark)


Disputeweb Credit Repair Logo

Disputeweb Credit Repair is a repair company based in Newark. Among 42 Google reviews, they have an average 4.9 out of 5 rating.

Disputeweb’s main program is their Basic program, which is very reasonably priced. With a one-time fee of $199.99 and a monthly fee of $99.99, you get unlimited disputes to the three credit bureaus. 

In addition, the Basic program offers credit coaching and education. You’ll get personalized recommendations on how to rebuild your credit based on your current situation. In particular, their Credit Builder Card could be a great way to start for many clients.

Contact Information:

  • Address: 146B Ferry St Unit 1225, Newark, NJ 07105
  • Phone: (908) 838-4424
  • Email: contact@disputewebcredit.com

Fresh Start Financial Group (Piscataway)


Fresh Start Financial Group Logo

Fresh Start Financial Group is a relatively new credit repair company in the Piscataway area. Among 38 Google reviews, they have a perfect 5 out of 5 rating.

Fresh Start claims to be able to deliver results in a maximum of 120 days. While this is a pretty big promise, many of their reviews mention that they were able to achieve this in 120 days, if not faster.

The ultimate goal of Fresh Start is to get you one step closer to financial freedom. They have a few videos detailing the numerous benefits of repairing your credit with them. For example, you may be able to save over $10,000 on a car loan or over $100,000 on a home loan.

Contact Information:

  • Address: 377 Hoes Ln #105, Piscataway, NJ 08854
  • Phone: (732) 554-8334
  • Email: info@freshstartfinancialgroup.com

Got Credit? (Red Bank)


Got Credit Logo

Got Credit? is a small chain of credit repair offices in New Jersey. Their Red Bank headquarters has an average rating of 4.7 out of 5 among 199 Google reviews.

Got Credit’s website is pretty bare, but there’s no doubt that they are one of the more successful credit repair agencies in New Jersey. The founder of Got Credit, Jose Rodriguez (nicknamed The Credit Dude), was able to dig his way out of poor credit himself.

Got Credit offers a pay-per-deletion pricing model, and they claim that most cases take on average 6 to 9 months to resolve. They also offer business credit building services. However, they do not list specific details of pricing on their website.

Contact Information:

  • Address: 331 Newman Springs Rd #143, Red Bank, NJ 07701
  • Phone: (866) 538-9548

NJ Credit Repair (West New York)


NJ Credit Repair Logo

NJ Credit Repair offers credit repair services in West New York. Among 11 Google reviews, they have a perfect 5 out of 5 rating.

NJ Credit Repair takes a very personalized approach towards credit repair. Their main plan, the Premium Credit Repair plan, only costs $99 a month with a $149 one-time enrollment fee. It comes with unlimited disputes, as well as resources to help build up your positive credit.

NJ Credit Repair disputes items in 45-day cycles. After 4 complete cycles, or 180 days, if they are unable to remove items from your report, you’ll get a full refund. This is an excellent refund policy that few other agencies can match.

Contact Information:

  • Address: 6012 Jackson St #1, West New York, NJ 07093
  • Phone: (551) 465-7303
  • Email: customer.relations@njcreditrepairllc.com

Now I Can Own (Mt Laurel Township)


Now I Can Own Logo

Now I Can Own is a credit repair company in Mount Laurel Township. Among 47 Google reviews, they have an average rating of 4.7 out of 5.

As their name suggests, Now I Can Own helps their clients repair their credit scores to ultimately be able to land a mortgage. After they complete traditional credit repair services, they work with their network of mortgage lenders to try and find a good deal for you.

This network of realtors and lenders may be able to give you a better deal than you could on your own. In addition, Now I Can Own offers down payment assistance for first-time homebuyers.

Contact Information:

  • Address: 3000 Atrium Way Suite 200, Mount Laurel Township, NJ 08054
  • Phone: (888) 977-0247
  • Email: info@nowicanown.com

Reid Financial Solutions (Irvington)


Reid Financial Solutions Logo

Reid Financial Solutions is a credit repair agency in Irvington. Among 28 Google reviews, they have an average rating of 4.9 out of 5.

We like that Reid Financial Solutions offers different tiers of service depending on what you need. Those with more items to dispute may choose their Express VIP package, which gives you a dedicated credit liaison to help rebuild your credit from the ground up.

However, those with decent credit and only a few negative items can also choose their Simple Removal package. At just $125 a month, they will dispute these errors for you at a very reasonable rate. Reid Financial has a few other plans, so it’s good to schedule a free 15-minute consultation to pick the best one for you.

Contact Information:

  • Address: 1233 Clinton Ave, Irvington, NJ 07111
  • Phone: (973) 375-1000
  • Email: contact@reidfinancialsolutions.com

Reliant Credit Repair (Roseland)


Reliant Credit Repair Logo

Reliant Credit Repair is one of the most popular local repair companies in New Jersey. Their office in Roseland has an average rating of 4.6 out of 5 among 94 Google reviews.

Reliant Credit Repair is another company with a focus on credit education. They provide tools and resources to guide you through building and maintaining a good credit score years after the repair process is complete.

Their main service, #GetCreditFitNow Elite Enrollment, costs $50 per item deleted, on top of a $299.95 audit enrollment fee. Depending on how many items you need removed, this can get rather pricey.

Contact Information:

  • Address: 101 Eisenhower Pkwy Suite 300, Roseland, NJ 07068
  • Phone: (800) 707-7492
  • Email: sales@reliantcreditrepair.com

Select Us (Marlton)


Select Us Logo

Select Us is a credit counseling and coaching service based in Marlton. Among 174 Google reviews, they have a perfect 5 out of 5 rating.

Select Us acknowledges the scams that are common in the credit repair world. Instead of offering traditional credit repair, they offer a coaching program designed to teach you how to repair your own credit.

This approach isn’t suitable for everyone, as many people prefer having a company handle all the disputes on their behalf. However, being more involved in the process can help you get a clearer picture of what exactly needs work in your credit file.

Contact Information:

  • Address: NJ-73, Marlton, NJ 08053
  • Phone: (888) 714-5312

VIP Credit Repair (Jersey City)


VIP Credit Repair Logo

VIP Credit Repair is a highly-rated credit repair service in Jersey City. Among 235 Google reviews, they have an average rating of 4.5 out of 5.

On average, VIP Credit Repair clients see an increase of 60 points in 6 months, which is around the accepted industry standard. 93% of clients see an increase of 10 points or more in just the first 35 days.

At VIP Credit Repair, you do get the VIP-treatment: that means a dedicated case analyst working on your case from start to finish. You’ll have insight into the entire process with 24/7 access to your case in the client portal.

Contact Information:

  • Address: 101 Hudson St #2100, Jersey city, NJ 07302
  • Phone: (844) 453-8115
  • Email: support@vipcreditrepairllc.com

Which Office Should I Pick?

With these 13 recommendations, you might still have trouble narrowing down your options. Which office should you ultimately pick?

You probably won’t come to a conclusion just by browsing each company’s webpage. That’s why most companies offer a free consultation to get to know their services and staff better. Be sure to take advantage of this.

If you’re still stuck, we highly recommend visiting Credit Saint, either virtually over the phone or at their local New Jersey office. When they analyze your credit report with you for free, you’ll get immediate recommendations on what you need to fix, and there’s no obligation to sign up for their paid services.

How Do I Tell If A Credit Repair Service Is Legitimate?

Each of the 13 companies we recommended in this article are legitimate credit repair services. However, if you decide to pick a different company, make sure it has all of the following features:

  • Verifiable Physical Address
  • Proven Track Record
  • No Lofty Promises Unless Made in Writing
  • Transparent Pricing Provided Through Website or Free Consultation

How Much Does Credit Repair Cost On Average?

On average, credit repair in New Jersey should cost you around $1,000 for 6 months of service. This applies mainly to monthly subscription pricing models. Pay-per-deletion models may cost significantly more or less depending on your credit file.

Don’t worry if you think $1,000 is a large upfront investment. Many people feel the same way, but just know that fixing your score can save you many thousands of dollars in the long run. Of course, repairing your credit yourself is free, though this will take a lot of extra time and effort on your part.


Can A Credit Repair Company Remove Debt?

Generally, a credit repair company cannot help you remove actual debts that you owe. They can only dispute inaccurate information that credit bureaus put on your reports by mistake.

That being said, some credit repair companies do offer separate debt settlement services along with credit repair. If you have lots of debt, a company like Better Qualified in our list of recommendations may be able to help.


What Results Can I Expect From Credit Repair?

With credit repair, it’s reasonable to expect a jump of around 50 points in 6 months of service. In some cases, it’s possible to see even better results. Consider the following Credit Saint review on Consumer Affairs by Joe:

Joe

Proved to be very successful in getting pesky and damaging items removed. One removal completely surprised me, as the business had been adamant in not wanting to discuss the complaint. Many late payments and items which should have been dropped years ago were corrected and removed. My score increased by over a hundred!

Often, a stain on your credit report can hurt your score for many years. This was the case for Joe, who after having these items removed saw a score increase by over one hundred.

These results are realistically possible, especially if you have many errors on your report. Definitely don’t hesitate to reach out to a credit repair company for help.


Conclusion and Next Steps

In this article, we introduced 13 of the best credit repair companies in New Jersey. All in all, these companies have a great track record of helping clients rebuild their credit and bring them one step closer to financial freedom.

If you’re in need of credit repair in New Jersey, we highly recommend checking out Credit Saint as a next step. Your first consultation with them is free, and can help you better understand what you need to get your credit back on track.

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When doing research, Credit Help Info relies on credible and authoritative sites. These research sources are provided so that you can see exactly where we get our information.


About the Author

Chris Morgan

Chris Morgan has read hundreds of books and resources on finance, especially credit related materials. Because he did this, you don’t have to. As a school teacher for over 20 years, Chris enjoys taking complicated material and breaking it down into easy to understand chunks.


Learn more about Chris


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