AI-Driven Credit Repair
The Credit Pros logo

The Credit Pros

    • The Credit Pros has been in business for more than 10 years.
    • Provides one-on-one consultations with a Certified FICO® Professional, unlimited dispute letters, debt validation letters to creditors, goodwill letters to creditors and cease and desist letters to collection agencies.
    • 3 credit repair packages to choose from, with the lowest package priced at just $69/month plus a $119 sign-up fee.
    • All packages include 24/7 access to a client portal, as well as ID Cover Darkweb monitoring, TransUnion alerts, real-time account sync, bill reminder and a budgeting system.
    • A streamlined sign-up process only takes 90 seconds.
In Business Since 1989
Sky Blue Credit logo

Sky Blue Credit

    • Sky Blue has been in business since 1989, which says a lot about the company.
    • Condition-free 90-day refund policy
    • One tier service takes the guesswork out of choosing a package that is right for you.
    • Priced at just $79 per month, and $40/month for additional members, Sky Blue is an extremely affordable option for credit repair.
    • Every single feature is included in the $79/month package, including Pro Analysis, 35-day dispute cycle, customized dispute and re-dispute letters, score assistance, debt validation, goodwill letters, cease and desist letters, credit rebuilding, and access to phone support.
    • Ability to pause the membership for a month if needed
    • Includes a couple’s discount, with the total monthly cost for a couple at just $119/month.
Almost 1.5 Million Credit Issues Removed
The Credit People logo

The Credit People

    • The Credit People has been in business for over 15 years and has had nearly 1.5 million credit issues removed for their customers.
    • Provides your credit reports and scores when you begin working with them.
    • Includes access to all 3 credit reports and scores
    • Provides a 24/7 online account access for easy credit management
    • Could help you with credit report issues such as late payments, collections, charge-offs, foreclosure, repossessions, bankruptcies, tax liens, judgements and more.
    • Provides a free credit evaluation so that you can see if The Credit People are a good fit for you.
    • Includes live customer service through phone, chat or email
    • Offers a satisfaction guarantee where you can cancel at any time and not be charged for that month, plus get a refund for the prior month’s payment.
    • Pricing is either $79/month or $419 for 6 months, with all of the features and services included.
24/7 Phone Support
Pyramid Credit Repair logo

Pyramid Credit Repair

    • Pyramid Credit Repair has 10+ years of experience in fixing credit.
    • Provides 24/7 phone support and dedicated account managers, making it easier to work with them and ask any questions
    • Includes a free credit repair evaluation
    • Individual start at a competitive $79/month, though the couple’s package is $299/month, making it significantly more expensive than what some of the other credit repair companies offer for couples.
    • Includes an online dashboard, monthly progress reports, creditor interventions, score analysis, custom dispute process, text and email alerts and more.
    • Offers a 90-day money back guarantee.
BBB Accredited
Credit Saint logo

Credit Saint

    • Credit Saint has been in business for 15+ years and is a BBB accredited credit repair company
    • Includes a 90-day money back guarantee
    • Includes a free credit consultation
    • 3 credit repair packages to choose from: Credit Polish, Credit Remodel and Credit Premium, with prices ranging from $79.99/month to $119.99/month, plus an initial work fee.
    • All packages include a score tracker and a score analysis
    • All packages include an online dashboard with full analysis and progress reports.
CreditRepair.com logo


    • Has helped with over 7.5 million removals on behalf of their members since 2012.
    • Has sent more than 23 million disputes and challenges on behalf of their members.
    • Provides a free consultation where you learn your credit score, negative item summary and recommended credit solutions
    • Pricing starts at just $49.95, making CreditRepair.com one of the most affordable credit repair options.
    • Works with all 3 credit bureaus.
    • Provides ID Theft Insurance, FICO® score update, bureau challenges and disputes, creditor interventions, a personal online dashboard, score tracker and analysis, email and text alerts and more.
Most Clients Served
Lexington Law logo

Lexington Law

    • Includes a free credit report consultation.
    • Has been helping people fix their credit since 2004.
    • Lexington Law has had an astonishing 77 million items removed from their customers’ credit reports.
    • While not all credit repair companies are lawyers, Lexington Law is a law firm.
    • Provides 3 levels of credit repair: Concord Standard, Concord Premier and Premier Plus.
    • According to their website, 77% of their clients who have had their credit scores improved saw an average increase of 40 points.
    • Provides a military and spouse discount.
    • Includes Fraud Alert and Identity Protection

For those who live in New Jersey, you already know how costly it can be to maintain a certain lifestyle. Even if you have a good job, unless you manage your money well you may still find yourself in debt. With debt or poor money management also comes other complications such as bad credit. When you have less than ideal credit or a report that is riddled with derogatory marks, it can make living in New Jersey that much more difficult. When you are ready to make a change to your financial health, working with a credit repair company is a great way to get started.

Overview of the credit industry in New Jersey

New Jersey is an expensive state to live in, with real estate being the most expensive part. While New Jersey is certainly not the most expensive state in the US, the cost of living is higher than average in every category. Unsurprisingly, the average person in New Jersey has higher than average credit card debt as well, with the state average being $5,484 per person compared to the national average of $5,193 per person.

Likely related to the high real estate costs, New Jersey has an average credit score of 725 points per person. This is 11 points above the national average and is a good credit score for most people. Unfortunately, not everyone in the state manages to maintain a credit score close to this average. If you're struggling with a low credit score in New Jersey, credit repair might be able to help you improve your credit score by removing inaccurate information from your credit reports.

Laws that affect credit repair in New Jersey

New Jersey does not have any state laws that specifically address credit repair companies. Instead, the state relies on a federal law that refers to credit repair providers. This is the Credit Repair Organizations Act (CROA), a federal law that governs the actions credit repair companies can take for customers, as well as other details about how the service should be performed, advertised, and communicated to customers.

Do you need a lawyer to do credit repair in New Jersey?

A lawyer is not necessary for credit repair in New Jersey. This is a service that you're able to do for yourself, although many credit repair companies are better prepared to help you through the process than you would be by yourself. You can choose to work with a lawyer or law firm, or you can work with a reliable credit service company that provides credit repair. Focus on choosing a company with a good reputation that makes you feel comfortable working with them.

Credit repair process in New Jersey

There's a basic 3-step process involved in credit repair in New Jersey. This is how it goes:

Step 1: Make a request for your credit reports  

before you can do anything else, you need to get your credit reports so you can have the same information as the credit bureaus do. Your credit reports are records that show all the different transactions you make around credit, including rental payments loan payments, open credit accounts with any organization, and more. To get your credit reports, make a request with all 3 major credit bureaus in the US. You’re entitled to one free credit report every 12 months from each Bureau.

Step 2: Take your time to scan the reports  

Look through your credit reports and check the accuracy of all the entries there. Depending on how long you've been using credit products, the number of entries could be very large. It's still advised to go through all of them so you can get the full picture of what is being used to calculate your credit score. If you find anything on your credit reports that is not accurate, you need to contact the credit bureaus to have those entries changed or removed.

Step 3: Dispute any incorrect entries from your credit reports  

Dispute letters open an investigation with each credit bureau to decide on the legitimacy of an entry on your credit report. Once you alert the credit bureau of the inaccurate information, they need to investigate using evidence you provide and other information on their end to decide whether or not the transaction is legitimate and should remain on your credit report. Only credit bureaus can remove entries from credit reports.

Note: the credit repair can take longer than you might imagine. Unfortunately, credit bureaus are not known to be quick about investigating and removing false credit entries. This is why working with a reputable credit repair company in New Jersey can be helpful, because they will be able to follow up for you and keep the investigation going without your constant involvement.

Can You Really Repair Your Credit Score?

Having bad credit is a serious weight on your shoulders that may seem impossible to get rid of. While there is no instant fix, you can take steps to take back control of your finances. Managing your money carefully and working to pay down your debts are the first steps to take when trying to rebuild your credit. You can also hire a professional credit repair consultant to help you streamline the process. There is no quick way to repair your credit. In order to fix your score legally, it takes time, effort, and proper financial management. A professional will help you dispute inaccuracies, create a budget, and in some cases consolidate your debts to help improve your score.

Consolidate Your Credit Card Debt In New Jersey

There are many types of credit problems that can lead to a low credit score. One of the most common issues consumers face that lowers their scores is high levels of credit card debt. Your debt to income ratio plays a big role in your overall score and anything over 50% actually can cause your score to drop even if you have a habit of making your payments on time. In addition to an overall debt to income ratio, each credit card also calculates your balance and determines a ratio that can either boost or lower your score.

Hiring a professional to help consolidate your credit card debt will help lower your payments and improve your overall score. When you work with a professional credit repair agency, they will be able to help you consolidate your credit card debt efficiently. A highly trained credit repair agent can negotiate lower payments or even a settlement with your creditors. This will allow all of your payments to be under one account instead of spreading them out over several credit cards. In many cases, the credit repair agency will be able to have late payment notations and other negative entries removed from your credit report as a part of your consolidation package. This will go a long way towards improving your score.

Credit Counseling & Debt Management In New Jersey

Reputable credit counseling and debt management companies will be able to help you control your debt over the long term. They will work with you to create a budget that you can live on and one that takes all of your income, debts, and expenses into account. The advice they provide is typically in the form of money management and credit responsibility workshops along with educational materials that you can use on a daily basis. Most credit counselors are highly trained and also have certifications that qualify them to give you financial advice.

Depending on your particular needs, a credit counselor will be able to analyze your financial situation and then create a customized plan that helps lower your debt and increase your credit score over time. The first session will last anywhere from an hour to three hours depending on the complexity of your finances. The follow-up sessions will enable them to update you with tips to help you succeed and also allow them to monitor your credit repair process in real-time.

Common questions and answers:

How much can you improve your credit score in New Jersey?

Any credit scores that are being negatively impacted by false entries can be massively improved through credit repair. If your credit score is low because of legitimate negative entries, credit repair cannot remove or negate these. Considering the weight that your payment history has on your credit score, it's no surprise that credit repair can make such a big difference.

How much does it cost to fix your credit in New Jersey?

In New Jersey, you can expect to pay on an average of $89 to $189 per month for as long as you are receiving credit repair service from a company. This is the normal price range throughout the country, although you can find many companies that also offer the service from anywhere as low as $59 per month to as high as $249+ per month. You will also be asked to pay a setup fee when you start your contract, which is a one-time fee.

How long does the credit repair process take in New Jersey?

When you start the credit repair process, you should expect it to take anywhere from three to six months. Make sure you begin the process as early as possible instead of waiting for the last minute when you want to go and take out a loan or access another credit product. Don't count on credit repair happening quickly, because it will likely take longer than you expect. You have no control over how long the process will take.

Are there any cities in New Jersey where you cannot do credit repair?

From Newark to Jersey City, Toms River to Trenton, Bellevue to Roxbury, all cities in New Jersey are eligible to access credit repair from legitimate companies. It doesn't matter how large or small the city or county you live in is, since credit repair has no physical location restrictions. You can work with any company that provides credit repair in New Jersey, as long as they’re adhering to federal laws.

Get help with credit repair in New Jersey:

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