Best Credit Repair Companies in New York

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Author : Chris Morgan
Updated on : August 10th, 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.

Without a doubt, New York is one of the most famous places in the world. In particular, New York City, often nicknamed “The Big Apple,” is a vibrant hub of business, architecture, food, and culture.

New York is also known for being one of the highest cost-of-living states in the United States. The Missouri Economic Research and Information Center lists New York as the second most expensive state, trailing only Hawaii. In addition, NYC leads the pack in terms of most expensive cities to live in.

To be able to successfully navigate an expensive state like New York, you need an excellent credit score. This is especially important for big purchases like a car or real estate.

When looking at credit scores, New York is doing relatively well. According to 2020 data from Experian, New Yorkers have an average FICO score of 718, which is above the national average.

However, as a whole, there is still a lot of room for improvement. Consider these eye-opening statistics about credit in New York:

Late credit card and mortgage payments can really hurt your credit score. These statistics keep many New Yorkers from being able to maintain good credit.

What is the cost of having a below-average credit score? This is perhaps best illustrated with an example. Recent data from Zillow suggests that the average home price in New York is $662,535. Suppose you put 20% down on a home and get a 30 year mortgage for $530,028.

  • With an excellent credit score, you may qualify for a 3% interest rate. This puts your monthly payment at $2,235, with a total mortgage cost of $804,463.
  • With a poor or fair credit score, you may qualify for a 4% interest rate. This puts your monthly payment at $2,530, with a total mortgage cost of $910,957.

From the numbers, you can see that having a poor credit score can cost you over $100,000 on a home.

The good news is that bad credit can be fixed. One prime option for New Yorkers is professional credit repair. There are many credit repair agencies in New York that can help you dispute negative items on your credit reports and ultimately boost your scores.

In this article, we’ll present our list of the best credit repair companies in New York, both online and local. Whether you live in the major metropolitan areas of NYC, Buffalo, or Albany, we have the best recommendations for you.

Is Credit Repair Legal In New York?

Yes, credit repair services are legal in New York. In general, all credit repair companies must abide by the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). These laws prohibit companies from asking for advance payments and guaranteeing score increases unless made in writing.

This is further highlighted in New York state law. Under the Credit Services Businesses legislation Article 28-BB, companies are required to provide a complete statement of the repair services to be performed, including a copy of your credit report marked with proposed errors to be corrected.

How Does Credit Repair In New York Work?

Reputable credit repair agencies in New York will follow a general three-step process:

  • Free consultation: A representative will discuss your credit file and help you decide whether their services are right for you.
  • Dispute errors on your behalf: If you choose to continue with paid services, the company will start sending out dispute letters to correct errors on your credit report.
  • Recommendations going forward: While correcting items, the company may also provide resources to help you build up positive credit.

Each company may have slight variations of this procedure. If you want to learn more about how credit repair works in general, we cover that in this article.

Best Credit Repair Services In New York

The next three companies are our top recommendations for credit repair in New York. They are all online-based services, so you can get started with them immediately.

Credit Saint

Credit Saint Logo

Credit Saint is our top recommendation for New Yorkers looking for credit repair. Since 2004, they have been one of the most popular and effective online-based credit repair services out there.

Credit Saint’s reputation is verified by their BBB accreditation, where they have also had a rating of A or higher since 2007. They achieved this through consistently delivering results to clients, who often see score increases of 50 or more.

One of Credit Saint’s best features is their industry-leading 90 day money-back guarantee. This makes it relatively risk-free for you to try out Credit Saint’s services, knowing that you’ll either get results or your money back.

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 cover all you need to know about Credit Saint in our full review.

Lexington Law

Lexington Law Logo

Lexington Law is another solid choice for New Yorkers. Having also been in business since 2004, Lexington Law has sent out over 220 million disputes on behalf of their clients.

Lexington Law is a great option for tighter budgets without sacrificing quality. Notably, they do not charge an initial setup fee like many other firms. In addition, all three of their plans are very reasonably priced and offer personalized attention to your case.

Also, all members of Lexington Law staff have verified legal experience and have profiles that are publicly visible online. This can give you the extra assurance that a qualified professional is handling your credit.

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

Learn more in our full review of Lexington Law.

Credit Repair Logo also makes our list of online services for New Yorkers to consider. They have not been in business as long as Credit Saint or Lexington Law, but they have already built up a solid reputation, having successfully removed 1.8 million negative items since 2012. swears by their method of educating clients about their credit in addition to credit repair. You can find a variety of information about any topic related to credit on their Credit Education tab.

We also recommend 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 York

We highly recommend anyone in New York looking for credit repair to start with Credit Saint, Lexington Law, or These services have great customer testimonials and very reasonable prices.

However, since these three are mostly online-based companies, we realize some people may prefer going to a local New York office instead. In this section, we’ll list 10 reputable credit repair offices in New York, focusing on the Albany, Buffalo, and NYC metropolitan areas.

Alto Credit (Bronx, NYC)

Alto Credit Logo

Alto Credit is a credit repair service in the Bronx. Among 143 Google reviews, they have an average rating of 4.9 out of 5.

Alto Credit features a pay-after-deletion pricing model for item deletions. The amount per deletion will vary depending on the type of item. For example, a successful inquiry removal will cost $25, whereas a successful late payment removal will cost $60. Depending on how many items you have to delete, the costs may start to add up. 

The other unique feature about Alto Credit is their Credit Builder programs, which can help you establish positive credit immediately. For example, they can help attach up to two years worth of rent payments to your credit file, which can give your score a boost.

Contact Information:

  • Address: 4348 Carpenter Ave, Bronx, NY 10466
  • Phone: (844) 258-6273
  • Email:

Credit Glory (Manhattan, NYC)

Credit Glory Logo

Credit Glory is a popular credit repair chain with offices around the country. One of their offices is in Manhattan, where among 100 Google reviews, they have an average rating of 4.4 out of 5.

Credit Glory has a decent track record of helping clients all over the country fix their credit scores. They also offer a 90 day money-back guarantee if they can’t remove any items.

In addition, it’s always good when a credit repair company emphasizes credit education, and Credit Glory does just that. You’ll find a bunch of useful information in the Resources tab on their site. Moreover, they offer additional customer support hours on weekends, which you don’t get at most firms.

Contact Information:

  • Address: 234 5th Ave #200, New York, NY 10001
  • Phone: (212) 658-1116

Credit Repair Plus (Brooklyn, NYC)

Credit Repair Plus Logo

Credit Repair Plus is an agency based in Brooklyn. Among 44 Google reviews, they have a perfect 5 out of 5 rating.

Since 2004, Credit Repair Plus has been helping New Yorkers escape bad credit. They only hire professional attorneys that are familiar and up to date with credit repair laws. This legal expertise helps them quickly and efficiently handle cases.

They also have a refund policy which promises your money back if they fail to remove at least 25% of negative items. It’s not quite as flexible as Credit Saint’s refund policy, but it still provides an extra layer of insurance.

Contact Information:

  • Address: 1642 Coney Island Ave, Brooklyn, NY 11230
  • Phone: (718) 475-2087
  • Email:

ECG Debt Settlement & Credit Repair
(Queens, NYC)

ECG Logo

ECG Debt Settlement & Credit Repair is an agency that focuses on debt relief as a means for credit repair. Among 81 Google reviews, they have a perfect 5 out of 5 rating.

It’s important to note that ECG is not a traditional credit repair company in that they do not offer services to help dispute negative items for you. If the biggest thing holding your score back is your debt, ECG may be the best option for you.

ECG has four main debt solutions: settlement, negotiation, credit counseling, or filing for bankruptcy. A professional can help you decide which combination of services is best suited for your particular case. Over the years, ECG has helped hundreds of clients become debt-free.

Contact Information:

  • Address: 30-97 Steinway St Suite 205, Queens, NY 11103
  • Phone: (718) 932-9300
  • Email:

Moodie Bluez Consulting (Albany)

Moodie Bluez Consulting Logo

Moodie Bluez Consulting is a credit repair agency started by Shawn Moodie in Albany. Among 12 Google reviews, they have a perfect 5 out of 5 rating.

We like Moodie Bluez Consulting because they have a variety of services depending on your needs. They have traditional credit repair services to help you dispute items. However, they also have credit maximization services, intended for those with decent credit to further improve their scores for a big mortgage or auto loan.

If you own a small business, Moodie Bluez also has dedicated services to building business credit. They may also be able to provide your business with funding.

Contact Information:

  • Address: 1540 Central Ave, Albany, NY 12205
  • Phone: (518) 245-9411
  • Email:

My Boss Financial Solutions (Buffalo)

My Boss Financial Solutions Logo

My Boss Financial Solutions is a credit repair agency based in Buffalo. Among 18 Google reviews, they have a perfect 5 out of 5 rating.

My Boss Financial Solutions won’t just draft dispute letters to handle your case. If they find any collection letters that break the law, they could file a lawsuit on your behalf and get you settlement money.

In addition, enrollment into their premium program also gives you access to their user tradelines. They also offer various credit building resources and a wealth building guide.

Contact Information:

  • Address: 50 Fountain Plaza Ste 1400, Buffalo, NY 14202
  • Phone: (800) 859-9553
  • Email:

Pyramid Credit Repair (Lower Manhattan, NYC)

Pyramid Credit Repair Logo

Pyramid Credit Repair is a firm based in New York. Their office is located in Lower Manhattan, where among 111 Google reviews they have an average rating of 4.8 out of 5.

According to Pyramid Credit Repair, their clients can expect an average credit score increase of 103 over 6 months. If they’re unable to remove any negative items after 3 months, you’ll get a full refund with no questions asked.

We like Pyramid because they are transparent about what to expect from results, but they also know they cannot guarantee results by law. In addition, they are very clear about charging you only after your initial dispute letters are sent out.

Contact Information:

  • Address: 17 State Street Suite 4000, New York, NY 10004
  • Phone: (646) 849-7017
  • Email:

Pinnacle Credit Repair (Manhattan, NYC)

Pinnacle Credit Repair Logo

Pinnacle Credit Repair is another top-rated company in Manhattan. Among 58 Google reviews, they have an average rating of 4.5 out of 5.

While most other credit repair companies have a monthly subscription fee, Pinnacle Credit Repair charges a one time fee. This is paid in full when your credit is completely clean or you decide to cancel.

Their standard Fast Track repair is very reasonably priced, starting at $499. It takes on average three to six months to complete. If you want faster results, they have Fast Track Elite programs starting at $1,500 or higher.

Contact Information:

  • Address: 276 5th Ave #704, New York, NY 10001
  • Phone: (858) 252-6053

Ultra Credit Solutions Inc. (Queens, NYC)

Ultra Credit Solutions Logo

Ultra Credit Solutions is a credit repair agency in Queens. Among 130 Google reviews, they have a perfect 5 out of 5 rating.

At first glance, their website may appear outdated, and there are a few minor mistakes as well. In addition, they have a fully custom pricing model where price depends on how much work is required to repair your credit.

However, Ultra Credit Repair is known for their results, successfully helping many increase their scores by 50 or more in a few months of service. They also offer debt forgiveness solutions along with traditional credit repair.

Contact Information:

  • Address: 3723 72nd St Suite 2, Jackson Heights, NY 11372
  • Phone: (929) 386-4705
  • Email:

Y2K Credit Solutions (Long Island, NYC)

Y2K Credit Solutions Logo

Y2K Credit Solutions is a credit repair chain headquartered in Long Beach, California. Their New York office is located in Long Island. Among 107 Google reviews, they have an average rating of 4.6 out of 5.

The founder of Y2K, Andy Sukhu, has been featured on the radio and online for his credit repair services. He has also launched Score Navigator, a dashboard that lets you see all your credit scores as well as a summary of how they’re calculated.

Many clients see score increases in as little as 30 days. For those with lingering debts, they also have debt settlement programs to supplement their credit repair services.

Contact Information:

  • Address: 585 Stewart Ave Suite 645, Garden City, NY, 11530
  • Phone: (877) 552-1377
  • Email:

Which Office Should I Pick?

We just presented 13 reputable credit repair services for you to choose from. While this may narrow down the list of companies, you still might be wondering which company is best for you.

The truth is, you might need to shop around a little bit. Since all of these companies offer a free consultation, we recommend taking advantage of this and making a few calls before making a decision.

During the call, you may find better customer service at one company compared to another. In addition, you may learn additional details about pricing that make one company’s plan a better fit for your situation. Ultimately, it’s up to you to decide.

Location might also play a role as well. Perhaps you prefer the convenience of driving to an office near you, or you might prefer to travel further away to discuss a confidential topic like credit repair. Or, you might choose to see nobody and simply use an online service like our overall #1 recommendation Credit Saint

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

All 13 of our recommendations are legitimate credit repair operations. If you decide to go off this list, be sure that your company has 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 Is Credit Repair In New York?

Over six months, credit repair in New York is likely to cost you around $1,000 to $1,500 in total. We chose six months because that’s a typical time frame for credit repair to show results.

To compare costs, we suggest creating a spreadsheet of the six-month costs of each company you schedule a free consultation with. This is better than simply comparing monthly rates and initial setup fees, which can get confusing.

Is It Worth Paying Someone To Fix Your Credit?

It’s entirely possible to fix your credit score yourself. However, the process can be difficult and time-consuming without professional guidance.

Though $1,000 may seem like a big cost, successful credit repair can save you thousands of dollars on a future mortgage or auto loan. It may be helpful to think of it as an investment rather than a cost.

In addition, services like Credit Saint offer a 90 day money-back guarantee. You’ll be able to try out their services and request a full refund if they can’t deliver results.

What Results Can I Expect From Credit Repair?

Many people see score increases of around 50 points in 6 months of repair. Some successful clients may see even better results.

It’s important to realize that credit repair takes time. You’ll likely have to be patient for a few months before seeing meaningful increases in your score. In general, you should give a credit repair company at least 3 to 6 months to work on your case.

Conclusion and Next Steps

We’ve just introduced 13 of the best credit repair companies in New York. If you’re in need of credit repair, this list should provide a good starting point to begin reaching out to reputable companies.

For next steps, consider scheduling a free consultation with Credit Saint, Lexington Law, or If you prefer a local office, any one of our top 10 local New York offices will be happy to assist you in your quest towards better credit.

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 is a credit expert and founder of Credit Help Info. He has been featured in Addition Financial, GOBankingRates, MSN Money, Yahoo Finance, and many other publications. He has read hundreds of books and resources on finance and the credit industry. 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 manageable information that’s easy to understand.

Learn more about Chris Morgan

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