Credit Saint
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Improve your credit score! |
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Learn More (478) 845-6310 | Read More |
Sky Blue Credit Repair
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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. |
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Learn More (888) 751-6072 | Read More |
The Credit People
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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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Creditrepair.com
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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. |
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The Credit Pros
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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. |
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Learn More (844) 441-1397 | Read More |
Lexington Law
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CRE Credit Services
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Location
50 Fountain Plaza, Ste. 1400
Buffalo, NY 14202
(888) 799-7267
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Consumer Credit Counseling Service
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Location
40 Gardenville Pkwy. W., Ste. #300
West Seneca, NY 14224
(716) 712-2060
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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.
A high credit score has multiple benefits, including:
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.
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.
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 |
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Credit Saint |
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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. |
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Learn More (478) 845-6310 |
Sky Blue Credit Repair |
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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. |
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Learn More (888) 751-6072 |
The Credit People |
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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. |
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Creditrepair.com |
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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. |
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The Credit Pros |
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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. |
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Learn More (844) 441-1397 |
Lexington Law |
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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. |
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