We are dedicated to rehabilitating your financial health, working diligently to repair, improve, and protect your credit.
Our services include negative item removal, personalized credit counseling, credit report disputes, and credit building strategies, all designed to empower your financial power.
Discover how our personalized credit repair solutions can reshape your financial future.
This is how credit repair service works
We will review your credit report and identify the negative items affecting your credit.
We will dispute and challenge all negative items found with the credit bureaus and creditors.
Removing items from your credit report often takes multiple dispute rounds we must repeat to succeed. Also, this service is about rebuilding your credit, so we will guide you with recommendations.
At NJ Credit Repair, our mission is to solve credit problems for our clients. We are a compliant and professional company, and we’re ready to tackle your problems right away.
If you're ready to get started, you can sign up directly to receive instructions and a review of your credit report. After enrolling in our plan, you can request a consultation for any questions you may have.
After registration and document submission, our team begins working on your case, keeping you updated via email. You'll receive dispute responses and can expedite the process by uploading these documents to your online portal. Once uploaded, our team will enhance the effectiveness of disputes using this documentation.
Credit repair is a legal process, not magic, and usually takes 5-6 months due to credit bureau response times. NJ Credit Repair encourages patience and recommends using this time to access our free educational resources for better credit understanding.
The best way to improve your credit score is by paying off your debts, removing negative items from your credit report, and keeping your credit lines in good standing. However, every situation is unique, and the strategy to improve your credit may vary depending on your particular case. That's why, at NJ Credit Repair, we always start by reviewing the credit report of all our clients.
The time it takes to repair your credit depends on several factors, such as the current state of your credit and the type of negative items you need to resolve. At NJ Credit Repair, we focus on creating a plan to fix your credit in the shortest time possible. The sooner we start, the sooner we'll finish.
The platform we usually work with is Smartcredit.com. NJ Credit Repair will obtain your credit reports with your authorization and share them with you. We use this information to create a personalized action plan to improve your score. All information obtained is kept secure and confidential to protect your identity.
Once you sign up, you will receive an email with instructions to create a password. Then, you will be asked to sign a document authorizing NJ Credit Repair LLC to start working. Next, you will be redirected to Smart Credit to obtain your credit report and finally to your client portal to upload a photo of your ID and proof of address. Once this process is complete, you will receive a detailed summary of your credit, and NJ Credit Repair will begin working on repairing your credit. You will be notified by email whenever changes are made to your file.
Once you have chosen your plan and signed the contract, NJ Credit Repair will be at your disposal. You can contact us to request a review of your file or send us your questions and concerns. We will respond in less than one business day. You can contact us by phone, email, chat, social media, or through the messaging option in your client portal, which we prefer because it allows us to locate your file more efficiently.
Our company is made up of mature professionals that work to improve the credit score of our clients and help them achieve their financial goals. We believe everyone deserves a chance to qualify for their dreams.
Testimonials from some of our happy clients
At NJ Credit Repair, our mission is to solve credit problems for our clients. Every day, NJ Credit Repair is making lives easier by managing the unique credit issues of each situation. We are a compliant and professional company, and we’re ready to tackle your problems right away.
