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Find the Best Credit Repair Companies in Buffalo, NY

Inaccurate items are common on credit reports and can damage your score. If you’re struggling to qualify for a home mortgage or auto loan, or if you’d like lower interest rates, you might benefit from a credit repair service. We researched the best credit repair in Buffalo to help you restore your score.

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Compare Top Credit Repair Companies

Credit Saint
Overall satisfaction rating
  • Available in Buffalo
  • 3 levels of service available
  • 90-day money-back guarantee
  • Work with a personal adviser

Improve your credit score!

Learn More (478) 845-6310 Read More
Sky Blue Credit Repair
Overall satisfaction rating
  • Fastest dispute pace in the industry
  • Available in Buffalo
  • Best value at $69/month
  • Unconditional 90-day money-back guarantee

Charges $79 setup fee. Monthly fees start at $79. Typical customers see credit score improvement results within 30 days. Offers 90-day money-back guarantee. No cancellation charges. Available nationwide.

Learn More (888) 751-6072 Read More
The Credit People
Overall satisfaction rating
  • Get started for just $39
  • No fee to obtain credit scores & reports
  • 32% avg. increase in credit score
  • Available in Buffalo

Offers repair services for bad credit. $79 per month. Could positively affect your credit score within 60 days. Employs certified representatives. Credit solutions available on the company’s website.

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Overall satisfaction rating
  • Customized, professional disputes by staff
  • Personalized credit consultation
  • Available in Buffalo
  • Access to your credit report summary

Charges one-time $14.99 fee to pull credit reports. Monthly fee is $99.95. Average credit score improvement results within six months. No money-back guarantee. Cancel account anytime. Available nationwide.

Learn More Read More
The Credit Pros
Overall satisfaction rating
  • Personal consultation with FICO-certified expert
  • Available in Buffalo
  • Unlimited number of disputes
  • Money-back guarantee

Setup fees range from $19 to $149. Monthly fees from $19 to $119. No money-back guarantee. Cancel credit repair services any time. Available nationwide.

Learn More (844) 441-1397 Read More
Lexington Law
  • Cancel anytime
  • Over 500,000 clients assisted
  • Free credit reports from all 3 bureaus
  • Available in Buffalo
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CRE Credit Services
  • M-Sat: 9am-9pm
  • crecreditservices.com/buffalo-ny-credit-repair
50 Fountain Plaza, Ste. 1400
Buffalo, NY 14202
(888) 799-7267
Consumer Credit Counseling Service
  • M-Tu: 8am - 8pm
  • W-Th: 8am - 6pm
  • Fri: 8am - 4pm
  • Closed Sat & Sun
40 Gardenville Pkwy. W., Ste. #300
West Seneca, NY 14224
(716) 712-2060

Credit repair in Buffalo

Buffalo Skyline

The average credit score in New York State is 688, which is on the lower end of what is considered a good score. Buffalo, with an average credit score of 672, is ranked 41st among the 100 largest cities in the nation. Financial difficulties or inaccurate reporting can make it easy to fall below those scores, however, which puts you at a disadvantage when searching for loans.

Why do I need a good credit score?

A high credit score has multiple benefits, including:

  • A better chance to qualify for loans. Whether you’re looking for an auto loan or a home mortgage, having a higher credit score will increase your chances of qualifying for a loan.
  • Increased options when searching for loans. Being more likely to qualify for loans gives you an advantage when seeking one. You’ll be able to compare offers and use your options to negotiate for lower rates and find the best loan for you.
  • Lower interest rates. A higher credit score shows lenders you’re reliable. You’ll receive lower interest rates on loans and credit cards because you’re considered a low-risk borrower.
  • No need for a cosigner. While people with lower credit scores may qualify for loans, the lender may require a cosigner to secure the loan. A higher credit score lets you avoid finding a cosigner and gives you more financial independence.
  • Sign up for utilities without security deposits. Because a high credit score shows you can be trusted to pay your bills, service providers such as electric utilities and mobile phone companies are less likely to require a deposit for new service.

Although you have the right to request copies of your credit report and dispute inaccurate entries, the process can be time-consuming and confusing. Credit repair companies in Buffalo can eliminate the work for you and use their experience to make success more likely.

How much does credit repair cost?

Credit repair costs will vary from company to company and plan to plan, but most require both a small fee for obtaining your credit report and a monthly payment between $90 and $100. Credit repair agencies in Buffalo are prohibited by law from charging an upfront fee for services.

Be wary of any company that tries to charge a large upfront fee beyond obtaining your credit report and hesitate to trust a company that claims to charge significantly lower monthly fees. Different levels of plans are available, and credit repair companies may also offer services such as continuing credit education and identity theft protection at additional cost.

A credit repair company in Buffalo will request copies of your credit report and review your credit history for inaccurate entries or unverifiable items. Once these are identified, the company will dispute these items with the credit reporting agency and attempt to have them removed, which will raise your credit score.

How to avoid credit repair scams

The credit repair industry is rampant with scammers, so protect yourself by knowing the difference between a reliable company that can get you the results you want and one that is looking to defraud you.

Reputable credit repair company Scam credit repair company
  • Is transparent about the credit repair process
  • Is clear about costs, fees and what services will be provided
  • Is honest about goals and expectations
  • Has experience and good reviews from previous customers
  • Cannot answer specific questions about the services they provide
  • Demands a large upfront payment before providing services
  • Makes promises of quick removals or credit score changes
  • Has little experience and poor or no customer reviews

Credit Repair Reviews

Credit Saint

Credit Saint offers a 90-day, money-back guarantee and assigns a team of credit repair specialists to help you resolve your credit issues. Buffalo residents report increased credit scores, and many say Credit Saint’s staff is helpful and communicative.

Credit Saint Learn More (478) 845-6310

Sky Blue Credit Repair

Sky Blue Credit Repair has more than 20 years of experience and offers reliable and helpful service. The company has a 90-day satisfaction guarantee and gives you the ability to pause your membership if you’re having short-term budget issues. Customers in Buffalo say their disputes moved quickly and that the company’s employees offered helpful advice.

Sky Blue Credit Repair Learn More (888) 751-6072

The Credit People

The Credit People offers low monthly pricing, free credit reports and an Unbeatable Satisfaction Guarantee. According to customers, The Credit People representatives clearly explain what needs to be done for improvement.

The Credit People


Creditrepair.com has no upfront fee and primarily raises your score by disputing inaccurate items on your credit report. Many customers in Buffalo saw an improvement in their credit scores and say they would recommend the company, but some reviews report inaccurate items were not removed from the customer’s credit history.

Creditrepair.com Learn More

The Credit Pros

The Credit Pros offers a service to help repair credit and has an A+ rating with the BBB. They also offer a money-back guarantee if the service does not meet your expectation. Buffalo customers say they were satisfied with the company’s results and saw an increase in their credit scores.

The Credit Pros Learn More (844) 441-1397

Lexington Law

Lexington Law has attorneys and paralegals on staff to help you with your credit issues, and the company offers a free consultation and credit report review. Many customers in Buffalo say the company provided the desired results, but other people report the company charged them for services they did not receive or did not reply to their inquiries.

Lexington Law