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Find the Best Credit Repair Companies in Buffalo, NY

A low credit score puts Buffalo residents at a disadvantage when it comes to getting a job, a loan or affordable insurance. Professional credit repair companies can help you improve your credit by challenging inaccuracies with creditors and the credit bureaus. The Buffalo News has partnered with ConsumerAffairs to create this guide by comparing consumer reviews and plan options of 25 businesses and choosing six favorites from the top credit repair companies in Buffalo.

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Compare Buffalo Credit Repair Companies

How does credit repair work in Buffalo?

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Credit repair companies in Buffalo analyze your credit reports and look for mistakes that negatively affect your credit score. They then send credit report disputes to the credit bureaus and your creditors to have these errors removed from your credit history. The types of items a credit repair company can dispute include late payments, charge-offs, bankruptcies and collections.

When you dispute an item on your credit report with a credit bureau, it has 30 to 45 days to investigate. If the investigation finds a mistake, the business that provided the information must notify all three credit bureaus, and the bureaus must send you a written response and an updated copy of your credit report.

In addition to disputes, credit repair companies in Buffalo offer other services, including the following:

  • Debt validation
  • Goodwill letters
  • Cease and desist letters
  • Debt settlement
  • Credit monitoring
  • Credit counseling

How much does credit repair cost in Buffalo?

Buffalo residents should expect to pay $79 to $120 per month for credit repair. Many credit repair companies charge a one-time setup fee, which can range from $20 to $200. Some companies have different levels of service, differing mainly in the number of disputes included. Companies state that most customers use their services for three to six months.

Credit repair companies in Buffalo offer free consultations so you can learn more about services and ask questions. They also offer money-back guarantees, so you can get a refund if you aren’t satisfied or don’t get items removed from your credit report.

Buffalo credit repair FAQ

How can I avoid a credit repair scam in Buffalo?

Signs of a credit repair scam include a company promising to remove negative items from your credit report, requiring that you pay upfront fees, failing to explain your legal rights or provide a written contract, and not including a three-business-day right to cancel your contract. Your rights as a credit repair consumer are specified in the Credit Repair Organizations Act.

Can paying off collections raise your credit score?

It depends on what credit scoring model is used. Newer credit scoring models, like the FICO Score 9, disregard collections accounts with a zero balance, but older credit scoring models, which are still used by some lenders, factor in all collections accounts. Collections accounts can stay on credit reports for up to seven years.

What is a FICO Score?

A FICO Score is a three-digit number that represents a summary of your credit reports. Lenders use FICO Scores to decide whether to issue loans. The higher your FICO Score, the more likely a lender is to give you a loan.

Can I buy a house if I have bad credit?

Yes, it is possible to get a mortgage loan with bad credit. Consider an FHA loan, or a VA-backed home loan if you are a service member or veteran. You will also find it easier to qualify if you put down a large down payment or are willing to pay high interest rates.

Buffalo credit repair company information

Credit Saint

Credit Saint has been in business over 15 years. It offers three packages, including “Clean Slate,” which provides an unlimited number of disputes. Buffalo customers can monitor progress online. The company offers a full refund if it doesn’t remove any items from your credit report within 90 days (subject to other conditions). Contact Credit Saint for a free credit evaluation.

Credit Saint Learn More (478) 845-6310

Sky Blue Credit Repair

Sky Blue Credit has been offering credit repair services since 1989. Buffalo customers can start by requesting a free consultation. Once you sign up, the company disputes up to 15 items every 35 days. Sky Blue Credit includes a 90-day guarantee, with a full refund if you aren’t satisfied. Additional services from Sky Blue Credit include debt validation, goodwill letters and debt settlement.

Sky Blue Credit Repair

The Credit People

The Credit People has helped over 100,000 people remove a total of close to 1.5 million items from their credit reports. The company promises improvements within 60 days and estimates score increases of 53 to 187 points. Sign up for monthly service or a six-month membership. Contact the company for a free consultation. The Credit People includes a satisfaction guarantee.

The Credit People

Buffalo Credit Repair LLC

Buffalo Credit Repair LLC’s Credit Repair Plus service includes a complimentary audit and consultation, “relentless” disputing, collection settlement negotiation, a dedicated account manager and credit coaching. Customers get 24/7 access to a financial portal and a money-back guarantee. Buffalo Credit Repair LLC is located at 392 Pearl St., Ste. 201, Buffalo, NY 14202.

Buffalo Credit Repair LLC


CreditRepair.com has removed over 1.8 million items on members’ credit reports since 2012. Buffalo customers can get a free online credit evaluation, which includes a credit score, a negative item summary and a recommended credit solution. A discount is available for active service members and veterans. CreditRepair.com doesn’t offer a service guarantee.


Clarity Credit

Clarity Credit’s monthly credit repair service includes a custom credit analysis, 24/7 portal access and a personalized credit restoration plan. The company also offers a do-it-yourself plan that includes professional software and step-by-step videos. Customers get a full refund if it doesn’t remove any negative items in 90 days (among other conditions). Buffalo residents can schedule a free, 20-minute phone consultation.

Clarity Credit