The 3 Best Credit Counseling Services in Queens

Managing personal finances can be challenging, especially in a bustling area like Queens. Whether you’re dealing with mounting debt or looking to improve your financial literacy, finding the right credit counseling service can be a game-changer. In this guide, we’ll explore the 3 best credit counseling services in Queens to help you regain control of your financial future.

When seeking credit counseling, there are several services and aspects to consider:

  • Debt Management Plans (DMPs): Structured repayment plans to help pay off debts.
  • Budgeting Assistance: Personalized plans to manage income and expenses effectively.
  • Credit Report Reviews: Detailed analyses of your credit report to identify issues and opportunities for improvement.
  • Negotiation with Creditors: Assistance in negotiating lower interest rates or payment plans.
  • Financial Education Workshops: Classes and resources to improve overall financial literacy.
  • Bankruptcy Counseling: Guidance through the bankruptcy process if necessary.
  • Fees: Evaluate the cost of services, which can range from free consultations to packages costing several hundred dollars.
  • Accreditation and Certifications: Ensure the agency is accredited by reputable organizations like the NFCC or FCAA.
  • Customer Reviews: Research feedback from previous clients to gauge satisfaction and effectiveness.

Choosing the right service is crucial, so consider these factors carefully to find the best fit for your needs in Queens.

3

Number of companies

321

Verified reviews

4,90

Average rating

Ultra Credit Solutions
(929)3864705

1. Ultra Credit Solutions

★ ★ ★ ★ ★ 5,0/5
3716 73rd St Suite. 302-B, 11372, Jackson Heights
  • Credit counseling service

Why we chose them

ULTRA CREDIT SOLUTIONS-CREDIT REPAIR is a dynamic and customer-focused company based in Long Island City, NY, specializing in credit repair and counseling services. Their mission is to assist clients in legally repairing their credit, rebuilding their credit scores, and achieving financial peace of mind. With a vibrant team from diverse backgrounds, they are committed to offering personalized, one-on-one support across their various locations. The company prides itself on providing exceptional customer service, ensuring clients remain connected and informed throughout the credit repair process. They handle everything from disputes with creditors to identity theft issues, aiming to deliver a hassle-free experience that results in a higher credit score and financial relief.

Renowned for their professionalism, quality, and responsiveness, the company has garnered a 96% satisfaction rate among its clients. They offer comprehensive plans with features like unlimited disputes and 24/7 online account access, tailored to meet individual financial needs. The company emphasizes transparency and honesty, as evidenced by numerous testimonials praising their effective solutions and supportive payment methods. Clients appreciate the quick turnaround time and thorough guidance provided during the credit repair journey, often seeing significant improvements in their credit scores. With a commitment to helping individuals overcome credit challenges, this company stands out as a trusted partner in financial recovery.

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New Life Credit Services
(516)5742577

2. New Life Credit Services

★ ★ ★ ★ ★ 4,9/5
158-14 Northern Blvd UL2, 11358, Flushing
  • Credit counseling service

Why we chose them

New Life Credit Services specializes in credit restoration and counseling, offering a comprehensive range of services to help clients improve their credit scores. Established in 2012, this company has developed a reputation for delivering quality service to over 3000 clients. Their approach includes accurate credit analysis, removing inaccurate or unverifiable items, and providing education to empower clients in managing their credit effectively. With a focus on resolving issues such as collections, charge-offs, identity theft, and more, they ensure a thorough and tailored approach to each client’s financial situation.

The company’s commitment to client satisfaction is evident in their money-back guarantee, emphasizing their confidence in delivering results. They offer services like building up credit through tradelines and primary credit lines, helping clients quickly increase their scores. By educating clients, they ensure long-term credit management success. This dedication to continuous improvement and client education makes them a standout choice in the credit repair industry, aligning perfectly with their motto: “New Credit, New Life.” Their emphasis on lawful credit restoration and personalized service reinforces their reliability and effectiveness in the field.

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Core Multiservices
(646)7757008

3. Core Multiservices

★ ★ ★ ★ ★ 4,8/5
37-42 72nd St, 11372, Jackson Heights
  • Credit counseling service

Why we chose them

Core Multiservices-Credit Repair offers comprehensive solutions for both individual and business credit needs. Specializing in consumer credit restoration, credit counseling, and business credit buildup and funding, the company stands out with its innovative approach to credit repair. Unlike traditional methods, they employ advanced techniques to challenge the compliance of Metro2 reporting, ensuring erroneous information is removed from credit reports. Their services are designed to improve credit scores, making it easier for clients to get approved for mortgages, auto loans, and credit cards, ultimately helping them achieve financial health.

Based in Jackson Heights, New York, the company prides itself on delivering fast, dependable, and ethical results. With a mission to educate and equip consumers with the knowledge needed for responsible financial decisions, their methods are touted as being beyond what most credit repair firms offer. By identifying gaps and opportunities in credit profiles, they provide tailored assistance to rebuild credit effectively. Their commitment to transparency and success is reflected in their founder’s dedication to ethical practices and measurable client achievements.

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FAQs

What services do credit counseling agencies in Queens typically offer?

Credit counseling agencies in Queens offer a variety of services including Debt Management Plans (DMPs), budgeting assistance, credit report reviews, negotiation with creditors, financial education workshops, and bankruptcy counseling.

How much do credit counseling services cost in Queens?

The cost of credit counseling services in Queens can vary. Initial consultations are often free, while comprehensive services like Debt Management Plans may range from €50 to €70 per month. Some workshops or additional services may have separate fees.

How long does it typically take to complete a Debt Management Plan?

A Debt Management Plan typically takes 3 to 5 years to complete, depending on the amount of debt and the individual’s financial situation.

What should I consider when choosing a credit counseling service in Queens?

Consider the range of services offered, fees, accreditation, customer reviews, and the agency’s ability to personalize services to your financial situation.

Are credit counseling services in Queens accredited?

Reputable credit counseling services in Queens should be accredited by organizations such as the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA).

Can credit counseling services negotiate lower interest rates with creditors?

Yes, credit counseling services can assist in negotiating lower interest rates or setting up more manageable payment plans with creditors.

Will using a credit counseling service affect my credit score?

Enrolling in a credit counseling service does not directly affect your credit score. However, participation in a Debt Management Plan might have an impact, as accounts are typically closed once they are included in the plan.

How can I determine if a credit counseling service is legitimate?

Verify their accreditation, read customer reviews, check for transparency in fees, and ensure they provide a detailed contract outlining services and costs before proceeding.

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