Best Credit Repair Companies in New York (2026)
New York has one of the more detailed state laws for credit repair contracts. A covered credit services business can’t collect a fee before it performs the services stated in the contract, and the contract must identify the negative credit report information the company plans to address.
New York also requires a current credit report to be attached to the contract with the targeted entries clearly marked. Consumers get three days to cancel, and a contract that doesn’t follow the state requirements can be void and unenforceable.
We start with the national credit repair companies we recommend, followed by five New York companies that currently offer credit repair or credit report dispute services.
Credit Saint
Sky Blue Credit Repair
The Credit People
Credit Repair Companies in New York City
New York City has its own guide with local providers and city-specific information. See our full list of credit repair companies in New York City if you want an option located in the city.
The companies below operate from Rochester, White Plains, Williamsville, and Monsey.
Other Credit Repair Companies in New York
New York residents outside New York City have several local options. The companies below differ in pricing, service structure, credit report dispute methods, and the amount of financial coaching they provide.
Elisa Plan
Elisa Plan operates from Rochester and combines credit improvement services with broader personal finance coaching.
Its current services include a one-on-one Credit to Wealth Strategy Session, dispute services, budgeting support, debt planning, and longer financial coaching programs. The company says it has helped more than 2,000 families with credit and budgeting.
The current 60-minute Credit to Wealth Strategy Session costs $297. The session focuses on a personal financial plan, credit improvement steps, budgeting, and other financial goals. Elisa Plan also offers separate dispute services, but its current website doesn’t publish a standalone price for that service.
GreenPointe Financial
GreenPointe Financial operates from Rochester and has provided credit repair services since 2009.
The company reviews credit reports, creates a personal action plan, prepares credit report disputes, tracks responses from credit bureaus, and can contact original creditors or collection companies when additional work is needed.
GreenPointe currently lists its Agency Premium credit repair service at $134.95 per month with a one-time $99.95 case establishment fee. The company says it doesn’t charge in advance. The case establishment fee becomes due after the initial case work and first credit report dispute round are completed.
Service runs month to month, and clients can cancel without an added cancellation fee. GreenPointe also states that it won’t bill for a month when it fails to perform the agreed services.
North Shore Advisory, Inc.
North Shore Advisory operates from White Plains and provides personal and business credit repair, credit monitoring, credit building, and credit education.
The company has worked in the credit field for more than 30 years and has FICO Certified Professional credit experts on its team.
For personal credit repair, North Shore reviews the client’s credit reports before it quotes a price. The company says personal credit repair fees depend on results. It states that clients aren’t billed for an item if the company can’t restore or correct that item under the terms of the service.
North Shore also offers a free consultation for consumers who want the company to review their credit situation before they commit to a program.
Prosperity Builders Consultants
Prosperity Builders Consultants operates from Williamsville and offers credit repair and credit restoration services to consumers in Western New York.
The company reviews credit reports and helps clients address negative information that may be inaccurate, outdated, or open to a legitimate credit report dispute. Its services can include credit report analysis, dispute preparation, and credit monitoring.
Prosperity Builders Consultants also works with consumers who want to improve their credit profile before they apply for major financing.
Its public service information doesn’t provide a complete current price schedule, so ask for the total cost, payment timing, cancellation terms, and exact services in writing before you enroll.
The Credit Rabbi
The Credit Rabbi operates from Monsey and offers credit report analysis, credit repair, credit education, credit building, and credit monitoring guidance.
The process starts with a review of all three credit reports and a personal action plan. The company challenges collections and other negative information that may be inaccurate or unverifiable.
The Credit Rabbi uses a pay-per-result model for much of its credit repair service. Its current site also lists separate file analysis and per-item charges. Since the pricing structure can depend on the type of negative information and the number of credit bureaus involved, ask for a complete written estimate before you enroll.
The company says clients can cancel at any time and that payment for credit repair results is tied to completed work.
How to Choose a Credit Repair Company in New York
Start with the payment terms. New York law says a credit services business can’t collect a fee before it performs the services stated in the contract.
That makes early setup fees worth checking closely. Ask what work the charge covers and whether that work has already been completed when the payment becomes due.
Next, review the contract. New York requires more detail than a basic description such as “credit repair” or “credit restoration.”
The contract must identify the adverse credit report information the company plans to address. It must describe the change the company plans to seek and provide an estimated date for each proposed modification.
A current credit report must also be attached to the contract. The negative entries the company plans to address must be clearly marked.
Check the company’s marketing claims too. New York prohibits misleading statements about the services, expected timing, ability to improve a credit report, expected credit results, and staff qualifications.
You also have three days after signing to cancel without penalty or obligation.
New York Credit Repair Contract Requirements
New York regulates paid credit repair businesses under Article 28-BB of the General Business Law.
The law defines a credit services business as a company that accepts a fee to improve a consumer’s credit record, credit history, or credit rating or to provide related advice or assistance.
New York doesn’t create a separate statewide credit repair license or surety bond requirement under Article 28-BB.
Instead, the law focuses heavily on disclosures, payment timing, contracts, advertising, and consumer remedies.
Before the contract is signed, the company must provide a separate written information statement. The consumer must sign an acknowledgment that confirms receipt.
The company must keep an exact copy of that signed information statement for two years.
The written contract must state the addresses of the consumer and the credit services business and must be signed by both parties.
It must contain a complete description of the services and expected results. It must also identify the adverse credit report information that the company plans to change.
A current credit report must be attached to the agreement, and the entries targeted for modification must be clearly marked.
The contract must also state that New York law prohibits the collection of a fee before the specified services are performed.
New York Prohibits Upfront Credit Repair Fees
New York law treats advance credit repair fees as an unfair and deceptive trade practice.
A credit services business can’t collect a fee before it performs the services stated in the written contract.
This rule is especially important when a company charges an enrollment fee, first-work fee, setup fee, monthly fee, or per-item fee.
The name of the charge doesn’t determine whether it complies with the law. The important question is whether the company completed the service connected to the payment before it collected the money.
Ask for a written explanation if the billing schedule isn’t clear.
New York also prohibits credit repair businesses from misrepresenting what they can accomplish. A company can’t make false claims about its ability to improve a credit report or about the amount or type of credit a consumer can expect to receive.
New York Credit Repair Cancellation Rights and Consumer Remedies
New York gives consumers three days after signing a credit repair contract to cancel without penalty or obligation.
The company must provide two copies of a completed Notice of Cancellation form with the contract.
A consumer can cancel through written notice within the three-day period.
New York also gives consumers strong remedies when a credit services business fails to follow Article 28-BB.
A contract that doesn’t comply with the law is void and unenforceable.
A company also can’t require a consumer to waive rights provided by the statute. Any attempted waiver is void.
A consumer harmed by a violation or breach of contract can sue for damages. A judgment can reach as much as three times the consumer’s actual damages, but it can’t be less than the amount the consumer paid the company.
A court can also award reasonable attorney fees to a consumer who wins the case.
The New York Attorney General can seek an injunction, restitution, and a civil penalty of up to $1,000 for each violation.
How We Evaluated Credit Repair Companies in New York
We review national providers separately from New York businesses.
For local companies, we look at the current first-party website, New York business presence, current credit repair services, contact information, published pricing when available, payment timing, cancellation terms, and the way the company describes its credit report dispute process.
New York’s advance-fee and contract rules give consumers extra points to check. Payment timing matters, and a compliant contract should identify the specific credit report entries the company plans to address.
We kept the five local companies from the previous version of this page. Their current public information still supports credit repair, credit report dispute services, or closely related credit improvement work.
Frequently Asked Questions
New York has several state-specific credit repair rules that consumers may still have questions about after they compare companies.
New York’s Article 28-BB doesn’t create a separate statewide credit repair license for ordinary credit services businesses. Covered companies still have to follow the state’s credit repair contract, disclosure, advance-fee, and advertising rules.
Yes. New York requires a current credit report to be attached to the contract. The adverse entries the company plans to address must be clearly marked.
No. New York prohibits a credit services business from collecting a fee before it performs the services stated in the contract.
A contract that doesn’t comply with Article 28-BB is void and unenforceable. A company also can’t make you waive the protections provided by the law.
New York generally gives creditors three years to bring an action that arises from a consumer credit transaction. Once that limitations period expires, a later payment or acknowledgment doesn’t restart the deadline.
Yes. A consumer harmed by a violation or breach of a covered contract can sue for damages. The award can reach up to three times actual damages, but it can’t be less than the amount the consumer paid. A court can also award reasonable attorney fees.