New York City, New York · Credit Repair
Credit Repair in New York City
NYC and tri-state clients prepping for co-op and condo board approvals. We help New York City, NY clients remove inaccurate collections, late payments, and charge-offs — then build the positive credit your next lender wants to see.
No credit card required. Founder-led service since 2018.
What you get
Bureau-grade disputes
Method-of-verification, 609, and procedural challenges — not the recycled letters you find online.
Score-builder roadmap
Authorized-user tradelines, utilization tuning, and inquiry timing tailored to your file.
Founder-led strategy
You work with the team Phillip Brown trained, not an offshore call center.
Transparent pricing
Flat monthly with no setup-fee gotchas. Cancel anytime.
Clients who moved their score
"47 points in 60 days. Three collections gone in the first round."
"Got my mortgage approved at 5.9% instead of 7.4%. Saved more than I'll ever pay them."
"Removed a charge-off the bureau swore was verified twice. The 609 + furnisher combo is real."
Frequently asked
- How long does credit repair take?
- Most clients see the first round of deletions within 30–45 days. A full file cleanup typically runs 4–6 months.
- Is credit repair legal?
- Yes. The Fair Credit Reporting Act gives you the right to dispute any item you believe is inaccurate, incomplete, or unverifiable.
- Will disputing hurt my score?
- No. Filing a dispute does not lower your credit score. Removing negative items typically raises it.
- Do you offer a guarantee?
- We guarantee the work — if we don't deliver deletions in the first 90 days, your next month is on us.
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