Regardless of whether you see yourself as affluent or belong to the New Jersey working-class immortalized by The Boss, you might need a leg up to get your credit score where it needs to be for a more comfortable life. That’s where credit repair in New Jersey comes in. But how do you select a service more likely to provide an efficient process? How to prevent wasting time and money with dodgy firms? Look no further. This article lists your best options, so stick with us to find out which they are.
Ranked #1 in Challenging Inaccurate Credit Data
This New Jersey-based company has been in the credit repair business since 2007, boasting an A rating from the Better Business Bureau. Apart from an aggressive team that has helped thousands of customers improve their credit scores, its credit repair service highlights include a free phone consultation and a 90-day money-back guarantee.
Trusted attorneys helping to fix your credit
This Utah-headquartered company has been in business since 2004 and is the largest among the credit repair law firms in the US. The team’s vast experience—including the removal of over 50 million negative items from credit reports in nearly two decades—ensures that pretty much all your credit repair needs are fulfilled across its three payment plans.
Top Rated Credit Repair Company
Hailing out of New Jersey with an A+ BBB rating, this firm is known for its AI-driven personal credit management system. Founded in 2009, it has been ranked among the fastest-growing companies in the business and offers many features that go beyond credit score repair services, such as dark web monitoring, bill reminder, and pharmacy savings.
We help ambitious individuals succeed
Headquartered in West Orange, New Jersey, Reliant Credit Repair is known for its comprehensive credit restoration services. Its one-on-one consultations, personal attention to clients, credit-related coaching, and assistance with credit building are the primary factors that make it a top credit repair choice.
Credit repair companies in the US have to adhere to federal laws as well as the laws of the state(s) in which they are operating. The federal regulations governing credit repair in the US—the Fair Credit Reporting Act 1970 and the Credit Repair Organizations Act 1996.
Typically, credit repair companies in New Jersey would also need to abide by the New Jersey credit repair organization law. However, the state does not have a specific New Jersey Credit Repair Organizations Act or other regulations to govern the credit repair business.
This does not mean that credit repair is illegal in New Jersey. State residents are still entitled to hire for-profit credit repair services to remove inaccurate negative items on their credit reports. The absence of New Jersey state credit repair laws only means that consumers must review the federal laws to understand their rights and ensure they don’t get taken for a ride.
Several factors make Credit Saint not just the best credit repair company in New Jersey but also the best in the country, courtesy of its consistently strong ratings, well-reviewed services, assistance with credit-related education, and a clear 90-day money-back guarantee. The firm’s three payment packages are also thoughtfully designed, even though the first-work fee for the highest plan is a tad expensive for credit repair in New Jersey.
Credit Saint’s three plans are called Credit Polish, Credit Remodel, and Credit Sales, with the respective monthly fee of $79.99, $99.99, and $119.99. The monthly rates are pretty reasonable, especially with Credit Saint being known for its aggressive process, resulting in quicker dispute resolution. In addition, the first-work fee of $99 for the two lower plans is very affordable.
The slight issue is with the $195 first-work fee for the highest plan. While the overall break-up of services included should suit most customers, some may not like that the lowest-tier package has a monthly challenge limit of five. Unlike some other firms for credit repair in New Jersey, Credit Saint doesn’t offer features like credit monitoring and inquiry assistance with its lowest-tier plan. Finally, the firm’s website could do with some more resources for existing and potential clients.
These, however, are not deal-breakers. Given Credit Saint’s industry experience and high ratings, it’s no surprise that overwhelmingly positive feedback from customers place it among the top credit repair services in the nation.
If you are looking for a team led by a credit repair attorney in New Jersey, your best option among New Jersey credit repair services is Lexington Law. The firm is known for the most robust legal team in the business, so just like its offices in other states, its practice in the Garden State is also led by a licensed lawyer for credit repair in New Jersey.
Another factor that stands out in the firm’s favor is Lexington Law’s significant experience, with the group having handled millions of cases for customers across the US. You also get well-designed payment plans, a handy mobile app, and strong customer service.
The monthly fees for the firm’s three plans are $89.95, $109.95, and $129.95, which are higher than the average for credit repair services in New Jersey for comparable features. This slightly higher expense, however, is justified by the overall service quality. You also save a higher setup or first-work fee than what most other firms charge.
The ongoing lawsuit from the Consumer Financial Protection Bureau hasn’t impacted Lexington Law’s reputation much. The lawsuit alleges deceptive marketing practices, a serious issue but not one that should directly affect the efficiency of the process customers can expect from the firm.
Unlike other names in the list of the best credit repair companies in New Jersey, Lexington Law has also been dogged by a consistently poor BBB rating. However, in light of the firm’s experience and generally favorable customer reviews, we don’t consider this an issue of great concern.
While not as experienced as Credit Saint or Lexington Law, the team from The Credit Pros has advantages that make it an excellent option for credit repair in New Jersey. The most noteworthy of these is the slew of additional services, at fees comparable or marginally higher than other firms.
The monthly fees for the firm’s three packages are $69, $119, and $149. Apart from unlimited dispute letters with all packages, you also get features like credit monitoring, ID theft monitoring, financial tools, and tradelines. There’s also a plan for credit monitoring services only, costing $19 per month. Reflecting The Credit Pros’ focus on utilizing technology for the credit repair process, you also get a highly-rated mobile app as a client.
The initial fees for these packages, especially $149 for the highest plan, are undoubtedly expensive for New Jersey credit repair. Most customers, however, find this one-time expense quite fair for all the extras it gets you. After all, with most firms, you would have to hire a third party for these features.
Another significant plus is the firm’s BBB accreditation, which lends substantial credibility to its services. This is backed by solid customer reviews, including a high Trustpilot score of 4.5.
On the negative side, the firm offers no money-back guarantee, which most reputed credit repair companies in New Jersey do. There’s also a notable lack of educational resources on the firm’s website—a minor issue that can be easily remedied.
For customers looking for a relatively smaller credit repair specialist in New Jersey that can offer more personal attention, Reliant Credit Repair offers a perfectly viable option. Given its shorter industry experience and localized focus, the firm may not match the more established credit repair services in New Jersey. However, there’s much to recommend its services, even apart from the benefits of a smallish team.
The firm’s monthly plans have the same monthly fee of $99.95; however, depending on whether you choose the Online Special, Platinum Plus, Platinum Plus Dual Enrollment, or Platinum Plus Affiliate plan, the audit fee will be $99.95, $199.95, $299.95, or $249.95. Most other features are common across these plans, except that the online plan is limited to online interaction with the team. In the affiliate plan, you have some extras that prove helpful if you want to join the firm’s affiliate program.
These one-time audit fees are significantly high for New Jersey credit repair especially given that you will have to pay extra for credit monitoring through IdentityIQ. On the other hand, you get assistance with credit building tools, such as secured credit cards and merchandise credit lines. Moreover, the plans do not cap the number of disputes that can be addressed. You can also ask for customized payment plans, including per deletion and fast track rates.
Reliant Credit Repair does not have the large number of customer reviews that more prominent firms have. The ones available at reputed third-party sites are largely positive, though, with the firm’s stress on credit coaching and one-on-one consultations particularly appreciated.
Now that you have the top firms for credit repair in New Jersey, you’ve taken the first step toward a better credit rating. You can choose either a top industry player with a nationwide presence or a smaller team with a personal touch. Regardless of the firm you finally select, however, make sure to do your own due diligence before signing a contract.