New York Credit Repair
Is your credit score not ideal? These New York credit repair companies can help fix errors on your credit reports.
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If you're looking for the best companies that offer credit repair services in New York, consider the following:
- Lexington Law: Best Overall
- Credit Saint: Best for Money-back Guarantee
- Sky Blue Credit: Best for Couples Pricing
- The Credit Pros: Best for Credit Building
- The Credit People: Best for Flat-Rate Plan
By the second quarter of 2024, 12.2% of New Yorkers with credit cards had been over 90 days late on at least one payment.[1]
Be cautious, however. One late payment can lower your credit score by up to 100 points. And the more negative items you gain in your credit reports, the more time it takes to bounce back.
If you find yourself in this situation, hope isn't all lost.
In this guide, discover the top credit repair companies in New York that can help improve your credit.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
5 Best New York Credit Repair Companies
The top credit repair companies in New York let you book a free initial consultation or credit assessment. Read on to decide which company to go for.
Lexington Law: Best Overall
Lexington Law is a law firm specializing in credit repair, composed of a team of legal professionals knowledgeable about credit laws in the U.S.
It has been in the industry since 2004. With over 20 years of experience, Lexington Law has helped remove more than 83 million inaccurate, negative items for its clients.[2]
Why We Like It:
Lexington Law offers tailored credit repair solutions called Focus Tracks. If you experience identity theft, medical emergencies, or other unexpected life events, Lexington Law can help address the credit impact of these events.
Say another person uses your identity to apply for credit cards. You'll end up getting items on your credit reports without your knowledge. The damage to your credit could be detrimental.
Lexington Law's Identity Theft Focus Track will help address these unwanted items. Legal professionals will leverage consumer protection laws to support your challenges to the credit bureaus.
Pricing & Fees:
Lexington Law offers only one premium credit repair package at $139.95/month.[3] You get the following:
- Skilled lawyers and paralegals working on your case
- Challenges to Equifax, Experian, and TransUnion
- Monthly TransUnion FICO score
- $1 million identity theft insurance
- Personalized strategies to improve your credit score
The first payment is charged 5-15 days after you enroll, but Lexington Law doesn’t specify the exact amount. Then after a month, you'll be charged the monthly fee.
Pros & Cons:
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Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Credit Saint: Best Money-back Guarantee
Credit Saint is one of the biggest credit repair companies, and it offers its services in New York.
Over 200,000 clients have seen their credit reports improve thanks to the company's aggressive approach.
Why We Like It:
Not all credit repair companies are created equal and offer the same things. Credit Saint is one of the few companies offering a money-back guarantee, providing extra protection for your payments.
Having the 90-day money-back guarantee means if you don't see inaccurate items off your credit reports within 90 days, you can request a full refund.[4]
In addition, if another person like your spouse or family member wants to try Credit Saint's services, sign them up to your account. Their first work fee is free!
Pricing & Fees:
Credit Saint offers three packages with the following features:[5]
| CLEAN SLATE | CREDIT REMODEL | CREDIT POLISH | |
|---|---|---|---|
| Aggressiveness | Very High | High | Medium |
| Price (monthly) | $139.99 | $109.99 | $79.99 |
| Initial working fee/first work fee | $195.00 | $99.00 | $99.00 |
| Challenges to the 3 credit bureaus | Unlimited disputes | ✔ | ✔ |
| Creditor intervention letters | ✔ | ✔ | ✔ |
| Score tracker and analysis | ✔ | ✔ | ✔ |
| Inquiry targeting | ✔ | ✔ | — |
| Personalized guide to credit building | ✔ | ✔ | — |
Pros & Cons:
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Sky Blue Credit: Best for Couples Pricing
Sky Blue Credit is one of the veterans in the credit repair industry. It has been in business since 1989, and it is available for New Yorkers who want to sign up for credit repair.[6]
Why We Like It:
Sky Blue Credit offers couples pricing in all its plans. If you sign up with another person, you enjoy a lower monthly fee compared to Individual Plans.
Because credit repair can be costly, the Couples Plan makes Sky Blue Credit one of the most affordable options. You're even protected with the satisfaction guarantee.
If you aren't satisfied with the service, you can request a refund within 90 days of enrolment.
Sky Blue Credit's specialty is Mortgage Preparation. If you're preparing your credit reports and credit score to purchase your first home or refinance your mortgage, professionals will advise you and help you optimize your credit for lenders.
Pricing & Fees:
Sky Blue Credit offers the following features for each package:[7]
| PREMIUM | FULL SERVICE | BASIC SERVICE | |
|---|---|---|---|
| Price (monthly) | Individual: $119.00 Couples: $179.00 | Individual: $99.00 Couples: $149.00 | Individual: $79.00 Couples: $119.00 |
| Initial working fee/first work fee | Same as monthly price | ||
| 3-bureau credit reports and scores | ✔ | ✔ | ✔ |
| Credit bureau disputes | ✔ | ✔ | ✔ |
| Score tracker | ✔ | ✔ | ✔ |
| Credit updates | Every 45 days | Every 45 days | Every 60 days |
| Creditor interventions | ✔ | ✔ | — |
| Credit builder tool | ✔ | ✔ | — |
| Monthly inquiry disputes | ✔ | — | — |
| Debt validation letters | ✔ | — | — |
| Cease and desist letters | ✔ | — | — |
| Personal Information Correction letters | ✔ | — | — |
Pros & Cons:
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Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
The Credit Pros: Best for Credit Building
Credit repair isn't the only way to enhance your credit. You can use credit builders to add positive items to your credit report and improve your credit history. Fortunately, The Credit Pros offers both in its services.
Why We Like It:
The Credit Pros offer a Repair + Build Credit plan which includes a $5,000 tradeline with its partner, National Credit Direct. The tradeline lets you shop on the website and improve your credit history by paying your balances on time.
Also, with selected plans, your payments get reported to the credit bureaus, adding more on-time payments to your credit reports.
This means while The Credit Pros disputes the credit bureaus on your behalf, you're adding positive entries to your credit reports. Coupled with good financial habits, this approach helps reduce negative items and increase positive ones over time.
The Credit Pros also provides credit monitoring features in its plans, keeping track of your information and alerting you of potential identity theft. No need to spend extra for a separate service!
Pricing & Fees:
Here's what else you can get from them:[8]
| REPAIR + BUILD CREDIT | REPAIR CREDIT | BUILD CREDIT | |
|---|---|---|---|
| Price (monthly) | $149.00 | $129.00 | $69.00 |
| First work fee | $149.00 | $129.00 | $119.00 |
| Unlimited disputes to the credit bureaus | ✔ | ✔ | — |
| Creditor interventions | ✔ | ✔ | — |
| Cease and Desist letters | ✔ | ✔ | — |
| Positive payment reporting | ✔ | — | ✔ |
| Credit Building Tradeline | ✔ | — | — |
| ID Cover Darkweb Monitoring | ✔ | ✔ | ✔ |
| TransUnion fraud alerts | ✔ | ✔ | ✔ |
| Debt Payoff & Budgeting System | ✔ | ✔ | ✔ |
Pros & Cons:
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Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
The Credit People: Best for Flat-Rate Plan
The Credit People has been helping consumers since 2001, with clients typically improving their credit scores by 50–100+ points.[9]
Thanks to the company's flat-rate plan, you can get premium features for $599 for 6 months (~$100/month). This lets you save as much as $20/month, compared to signing up for the regular Premium Plan.
Why We Like It:
Typically, guarantees cover the first 30–90 days of service but The Credit People provides longer coverage. If you sign up for Premium Flat Rate, the satisfaction guarantee covers the entire 6 months.
The best part is, The Credit People charges one of the lowest setup fees for its services. The $19 setup fee is significantly more affordable than the setup fees of other credit repair companies.
Pricing & Fees:
You can choose between a flat-rate package and two regular monthly packages:[10]
| PREMIUM FLAT RATE | PREMIUM | STANDARD | |
|---|---|---|---|
| Price | $599 for 6 months | $119/month | $99/month |
| Setup fee | $19 | ||
| Challenges to the 3 credit bureaus | ✔ | ✔ | ✔ |
| Unlimited challenges | ✔ | ✔ | ✔ |
| Before & After credit scores | ✔ | ✔ | ✔ |
| Monthly credit scores | ✔ | ✔ | — |
| Creditor interventions | ✔ | ✔ | — |
| Escalated disputes & validations | ✔ | ✔ | — |
Pros & Cons:
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Credit Repair Process in New York
New York credit repair companies challenge the credit bureaus after analyzing your credit reports for inaccurate items.
Here's how it works:
- Sign up for a free consultation
Start by signing up for an initial consultation or online credit assessment. Most companies offer this for free! - Professionals review your credit reports
Credit repair professionals will review your credit reports for errors, outdated items, or accounts that don't belong to you. - The company sends dispute letters for you
The company will send a dispute letter to challenge the credit bureaus for the inaccuracies in your credit reports. - Wait for results
Credit bureaus will investigate your dispute letter. They have 30–45 days to complete the investigation. Once they're done, they have up to 5 business days to inform you of the results.
Most credit repair companies operate on a re-dispute basis. Meaning, you can request to send another dispute letter, especially if the item in question is inaccurate.
That said, you'll need to allot another 30–50 days for credit bureaus to review it again.
Credit repair isn't a quick fix to raising your credit score. Each dispute cycle lasts 30–50 days and if you want to challenge plenty of inaccurate items, it will take longer. To help "speed up" the process, try using credit builders, settle debts, and build better financial habits.
New York Credit Repair State Law
According to Chapter 20, Article 28-BB of New York General Business Laws, credit repair companies should:[12]
- Provide a written contract, dated, and signed by the client and credit repair company
- Provide a clear notice of cancellation in the contract
- Allow the client to cancel within 3 days of signing without penalty or obligation
Credit repair companies in New York also need to follow the rules set in the Telemarketing Sales Rule and Credit Repair Organizations Act.
Here's what this means:
No credit repair service should make misleading or false claims about their services, demand any form of advance payment before performing services, or call you on the phone to advertise their services without your consent.
These companies should also disclose in your contract all relevant and necessary information regarding fees, payments, and services. You're entitled to pursue legal action if these laws are violated.
Yes, credit repair is legal in New York. Credit repair companies can offer their services as long as they follow New York state laws, provide a written contract for clients in New York, and abide by the Telemarketing Sales Rule.
Is New York Credit Repair Worth It?
Credit repair can be worthwhile if your credit reports contain a lot of errors. The process is time-consuming and requires some expertise to be effective. Signing up with experienced professionals may boost your confidence for successful disputes.
Services start at $60/month, but you need to pay first work fees that could cost up to $195 to start. This means you could easily spend hundreds of dollars on credit repair.
If you only have a few items to dispute, you may benefit more from a DIY credit repair.
Is credit repair worth your money? Find out by estimating potential costs with the calculator below.
There is no defined timeline for improving and repairing your credit score. It can take a few months to a few years, depending on the severity of your credit.
Credit Repair Cost Calculator
To know how much your potential credit repair fees will be, follow the steps below.
- Input the first work fee (setup fee) of your chosen company.
- Input the monthly fee of your chosen package.
- Input the number of months you think you may need credit repair services.
- Click Calculate.
How to Do Credit Repair by Yourself
If you don't have the spare budget for credit repair services, you can do credit repair on your own. Just follow the process of New York credit repair companies.
Start by getting free online copies of your credit reports from AnnualCreditReport.com, review errors, then send dispute letters.
But on top of disputing credit bureaus, pay all your balances on time, try credit builders, and build stronger financial habits to potentially repair your credit more quickly.
How to Choose a New York Credit Repair Company
Uncertain about selecting the best company to enhance your credit reports? Consider these factors:
- History and experience
Look for companies that have a proven track record. That way, it'll be easier to get the latest news and updates regarding the company's performance, legal compliance, and accreditations. - Testimonials and reviews
Online platforms like BBB, Google Reviews, and Trustpilot are your best friends. Search for comments, reviews, and ratings to gauge and assess the company you're eyeing. - Guarantee and refund policies
Not all companies offer a guarantee and refund policy. If you want the extra safety net for your payments, go for companies with money-back guarantee or satisfaction guarantee. - Website and online presence
Most things are online now. Search for the company's website, social media accounts, and verified profiles online. This way, you'll see the basic information and send inquiries before you decide to sign up for their service.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
Our Methodology
We chose credit repair companies with more than 10 years of experience and continue to provide services to consumers. These companies have a track record for removing millions of items and helping thousands of clients in their years in the industry.
We also looked at the pricing structure and potential costs when you sign up, such as:
- First work fees
- Service fees
- Other charges
- Promos and discounts
All companies on the list have extensive websites with a large library of news, articles, and resources. Some even feature online tools to help you with your finances.
Lastly, we considered companies that have a significant number of reviews from clients and prospects. We browsed platforms like BBB, Trustpilot, and Google Reviews, and looked for social media profiles of these credit repair companies.
Bottom Line
Having poor credit is not the end of everything. You can still recover by exploring companies that offer credit repair.
These New York credit repair companies have been in the industry for several years. On top of credit repair, some companies offer credit building and credit monitoring features that are just as important for improving your credit.
However, these services can be costly. You can send disputes by yourself first then try out companies later if it doesn't work out.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
References
- ^ NYC Comptroller. Spotlight: Household Debt Trends Among NYC Residents, Retrieved 10/11/02024
- ^ Lexington Law. Lexington Law - Home Page, Retrieved 10/11/2024
- ^ Lexington Law. How much does Lexington Law cost?, Retrieved 10/08/2024
- ^ Credit Saint. Credit Saint - Home Page, Retrieved 10/11/2024
- ^ Credit Saint. Packages, Retrieved 10/08/2024
- ^ Sky Blue Credit. About Us, Retrieved 10/11/2024
- ^ Sky Blue Credit. Member pricing, Retrieved 10/08/2024
- ^ The Credit Pros. How Much Does Credit Repair Cost, Retrieved 10/09/2024
- ^ The Credit People. The Credit People - Home Page, Retrieved 10/11/2024
- ^ The Credit People. Plans & Pricing, Retrieved 09/16/2024
- ^ The Credit People. FAQ: Is there a discount for couples?, Retrieved 11/01/2024
- ^ The New York State Senate. ARTICLE 28-BB: Credit Services Business, Retrieved 10/11/2024
Alex Mambaje is a research analyst at CreditDonkey, a credit card comparison and reviews website. Write to Alex Mambaje at mambaje@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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