Serving clients nationwide via phone and Zoom
Remove late payments, collections, and charge-offs from your credit report. We dispute inaccurate items under the Fair Credit Reporting Act to help improve your credit score.
Credit Score Range
Challenge inaccurate late marks
Dispute unverifiable debts
3-bureau comprehensive analysis
Plus charge-offs, repos, bankruptcies & more inaccurate items
Sarah from Queens, NY
Just booked a consultation
Trusted By Clients Across New York, New Jersey, Georgia & Beyond
3 Bureaus
Equifax • Experian • TransUnion
FCRA & CROA
Fully Compliant Process
Pay for Results
No Upfront Fees
4.9/5 Rating
500+ Happy Clients
Before
512
After
695
"After working with CreditRise, I qualified for my first car loan. Life changing!"
Marcus T.
Long Island, NY
Before
548
After
721
"They removed 8 negative items. Finally bought my dream home!"
Sarah L.
Queens, NY
Before
489
After
668
"Medical bills destroyed my credit. CreditRise helped me dispute errors and now I'm on track to buy a house!"
James R.
Newark, NJ
"I send all my clients who need credit help to CreditRise. They're professional and actually get results. Highly recommend!"
John J.
Loan Officer • New York, NY
Before
521
After
704
"I was denied for a mortgage twice before finding CreditRise. They removed 3 collections and a charge-off. I closed on my first home 4 months later."
Diana R.
Long Island, NY
Before
498
After
672
"Maria and her team are amazing. They explained everything in Spanish and got results fast. I finally qualified for my car loan."
Carlos M.
Newark, NJ
500+
Clients Helped
150+
Avg. Point Increase
10K+
Items Disputed
4.9/5
Client Rating
*Results vary. These testimonials represent individual experiences.
From Queens to Brooklyn, Long Island to the Bronx, New Jersey to Georgia — better credit opens doors to the life you deserve
FCRA Compliant
Professional dispute process
Dispute inaccurate late marks
Challenge unverifiable debts
3-bureau comprehensive analysis
Our team disputes late payments, collections, charge-offs, repos, bankruptcies, and all other inaccurate items across all three credit bureaus.
We're not like other credit repair companies. Here's what sets us apart.
You only pay for successful deletions. No results, no charge. It's that simple.
We serve clients in both English and Spanish. Tu salud financiera es nuestra prioridad.
100% legal, ethical, and transparent process. Your rights are protected every step of the way.
500+ clients helped, 150+ average point increase, 10,000+ items disputed.
Based in New York, serving clients across all 50 states via Zoom.
We review all 3 bureaus to identify disputable items
We send FCRA-compliant dispute letters on your behalf
Monitor responses and pursue credit score improvement
We begin with a comprehensive review of your credit reports from all three major bureaus—Equifax, Experian, and TransUnion. We identify potentially inaccurate, unverifiable, or misleading items.
Under the Fair Credit Reporting Act (FCRA), you have the legal right to dispute any information you believe is inaccurate. We help prepare and file formal dispute letters to the credit bureaus and original creditors on your behalf.
Credit bureaus must investigate disputes within 30 days. If items cannot be verified, they must be removed or corrected. We monitor responses and continue working on remaining inaccuracies to pursue credit score improvement.
The Fair Credit Reporting Act (FCRA) gives you the right to dispute any information on your credit report that you believe is inaccurate, incomplete, or unverifiable. Credit bureaus must investigate within 30 days and remove items they cannot verify. You can also dispute items on your own for free.
No obligation • No hidden fees
Results vary by individual credit profile. We cannot guarantee specific outcomes or score improvements. Accurate information cannot be legally removed from credit reports.
Answer a few quick questions to see if we can help improve your credit score.
Takes only 2 minutes • 100% Free
Serving clients in New York, Long Island, Queens, Brooklyn, the Bronx, New Jersey, and Georgia. You only pay for results — our success-based model means we're invested in your credit improvement.
Your legal right under FCRA
Under the Fair Credit Reporting Act, you have the right to dispute inaccurate items on your credit report yourself at no cost.
Performance-based pricing
We handle everything for you. You only pay for successful deletions — if we don't get results, you don't pay more.
Setup Fee: $299 covers your initial credit analysis and first round of disputes.
Per Deletion: $125 for each negative item successfully removed from each bureau.
Example: 1 collection removed from all 3 bureaus = $375 ($125 × 3 bureaus).
Results vary based on individual credit profiles. We cannot guarantee specific outcomes or removal of accurate information.
No Results = No Fee
You only pay when items are removed
100% Risk-Free
We believe in our process. You only pay for results — when negative items are actually removed from your credit reports. No results? No charge.
Take the first step toward credit score improvement. Our free consultation includes a comprehensive review of your credit situation with no obligation.
By scheduling a consultation, you agree to receive communication regarding your credit situation.
We limit new clients each month to ensure every client gets the attention they deserve. Spots fill fast — secure yours today.
Join thousands of satisfied clients who have improved their credit scores. Sign up free - no credit card required!
En CreditRise, ofrecemos todos nuestros servicios en español. Ayudamos a familias hispanas en Nueva York, Long Island y Nueva Jersey a disputar colecciones, pagos tardíos y otros errores en su reporte de crédito. ¿Quieres comprar una casa o calificar para un préstamo? Podemos ayudarte.
Consulta GratuitaConsulta gratuita disponible
We're proud to help clients across the East Coast and beyond achieve their credit goals.
New York City
Long Island
Queens
The Bronx
Brooklyn
Staten Island
New Jersey
Newark
Georgia
Nationwide via Zoom
Don't see your area? We serve clients nationwide via phone and Zoom — contact us for a free consultation.
También ofrecemos todos nuestros servicios en español. Llámanos o agenda tu consulta gratuita hoy.
Partner with CreditRise to help your clients qualify for mortgages faster.
We work directly with realtors and loan officers across New York and New Jersey — when your client's credit is holding up the deal, we step in. Performance-based, FCRA compliant, and bilingual in English and Spanish. Let's close more deals together.