Best Credit Repair Companies in New York, NY (2025)

Allison Pierce

Finding the right credit repair company in New York City can make a major difference if you’re trying to remove inaccurate negative items and improve your credit report. With so many options, it’s important to choose a service that’s transparent, proven, and focused on real results.

We reviewed trusted national and local providers that serve New York City residents. The companies below offer personalized credit repair services, online account access, and satisfaction guarantees—helping you rebuild credit with confidence and move closer to your financial goals.

1. Credit Saint

Credit Saint has earned an excellent reputation for helping people remove inaccurate negative items from their credit reports.

With over 17 years of experience and an A+ rating from the Better Business Bureau, the company stands out for its aggressive disputes, clear pricing, and 90-day money-back guarantee.

Clients can track progress and communicate with a dedicated account manager through an online portal, making the process simple and transparent.

  • Location: Based in New Jersey (serving clients nationwide)
  • Founded: 2004
  • Service Area: All 50 states
What we like
Monthly Pricing: Packages from $79.99 to $119.99
Startup Fee: $99 to $195 depending on package
Experience: 17 years in business
Guarantee: 90-day money-back guarantee
Extras: Credit report updates every 45 days, dedicated account manager, online portal access
Credit Saint
Our Rating
(855) 281-1510
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2. Sky Blue Credit Repair

Sky Blue Credit Repair is recognized for its clear pricing and consistent results in improving credit reports.

With over 30 years in business and an A+ rating from the Better Business Bureau, the company provides simple, flat-rate pricing with no confusing tiers or upsells.

Clients receive personalized dispute strategies, goodwill letters, and debt validation support, plus discounted pricing for couples who want to repair their credit together.

  • Location: Based in Boca Raton, Florida (serving clients nationwide)
  • Founded: 1989
  • Service Area: All 50 states
What we like
Monthly Pricing: $79 for individuals; $119 for couples
Startup Fee: $79 (one-time)
Experience: Over 30 years in business
Guarantee: 90-day money-back guarantee
Extras: Personalized dispute strategies, debt validation, goodwill letters, no long-term contracts
Sky Blue Credit Repair
Our Rating
Get Started

3. The Credit People

The Credit People makes credit repair affordable and straightforward.

With more than 20 years of experience and an A+ Better Business Bureau rating, they’ve helped over 100,000 clients improve their credit profiles.

Their flat monthly pricing includes unlimited disputes and free credit reports and credit scores, with a satisfaction guarantee that lets you cancel anytime.

  • Location: Based in Chicago, Illinois (serving clients nationwide)
  • Founded: 2001
  • Service Area: All 50 states
What we like
Monthly Pricing: $89 per month
Startup Fee: $19 one-time trial fee or $79 for standard signup
Experience: Over 20 years in business
Guarantee: Satisfaction guarantee (cancel anytime with no penalties)
Extras: Free credit reports and scores, unlimited disputes, served over 100,000 clients
The Credit People
Our Rating
(866) 338-2697
Get Started

4. Credit Bounce

Credit Bounce helps NYC residents improve their credit reports through customized dispute and monitoring services.

The company reviews each client’s credit report to identify inaccurate or outdated items, then creates tailored dispute letters to address them directly with the credit bureaus.

It also offers ongoing support and guidance to help clients maintain positive credit habits and achieve stronger financial standing over time.

  • Location: 85 Delancey St, Ste 200, New York, NY 10002
  • Founded: N/A
  • Service Area: New York City and surrounding communities
Credit Bounce
(646) 991-4534
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5. Premier Credit Plus

Premier Credit Plus helps New York City (Queens) residents repair their credit by identifying and disputing inaccurate or outdated items on credit reports.

Their team develops customized dispute strategies aimed at restoring credit health while educating clients on maintaining strong credit habits.

In addition to credit repair services, the company offers monitoring and support throughout the process.

  • Location: 8315 Northern Blvd., Suite 2, Jackson Heights, NY 11372
  • Founded: 2010
  • Service Area: New York City and surrounding communities
Premier Credit Plus
(917) 549-7073
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6. Credit City

Credit City helps New York City residents dispute inaccurate or outdated negative entries and rebuild their credit profiles with personalized strategies.

Their team audits credit reports, crafts targeted dispute letters, and works with credit bureaus and creditors to seek corrections.

They also offer ongoing education and monitoring tools to help clients maintain positive credit habits.

  • Location: 4211 Broadway, Suite 110B, New York, NY 10034
  • Founded: N/A
  • Service Area: New York City and surrounding communities
Credit City
(800) 557-4909
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7. Credit Lifter

Credit Lifter helps New York City clients improve their credit reports through a mix of dispute tactics and credit optimization strategies.

The company analyzes each client’s credit report to spot inaccurate, outdated, or unverifiable negative items, then crafts targeted dispute letters and adds positive tradelines.

It also offers credit counseling, monitoring services, and ongoing support to help clients maintain healthier credit over time.

  • Location: 1178 Broadway, Floor 5, Suite 1317, New York, NY 10001
  • Founded: 2018
  • Service Area: New York City and surrounding communities
Credit Lifter
(888) 696-5108
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How We Chose the Best Credit Repair Companies in New York City

We carefully evaluated each company based on its reputation, customer reviews, and overall transparency. Factors such as dispute effectiveness, pricing clarity, service options, and response times all played a key role in our selection process.

We also gave preference to companies with a strong local presence in New York City or a clear history of serving New York residents. Each business featured here demonstrates an ethical approach to credit repair and a proven track record of helping clients achieve lasting improvements to their credit reports.

Frequently Asked Questions

How much do credit repair companies in New York charge?

Most New York credit repair companies charge between $79 and $129 per month. Some also require a one-time setup fee, usually between $79 and $199.

Can New York credit repair companies remove accurate negative items?

No. Credit repair companies can only dispute inaccurate, outdated, or unverifiable information. Accurate negative items must remain until they naturally expire.

Are there laws that protect consumers from bad credit repair practices?

Yes. New Yorkers are protected by the federal Credit Repair Organizations Act (CROA) and state consumer laws that prohibit false promises or upfront fees.

How do I check if a credit repair company in New York is legitimate?

You can verify legitimacy by checking the company’s Better Business Bureau profile, reading verified reviews, and confirming it’s registered to do business in New York.

What results should I expect from a credit repair company?

Results vary, but most clients begin seeing changes within three to six months. The process depends on the number of disputed items and how quickly the credit bureaus respond.

Credit repair starts with the right information.

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