The 7 Best Credit Counseling Services in New York

Finding the right credit counseling service can be a game-changer for those looking to manage their finances more effectively. In a bustling city like New York, where financial challenges can be as diverse as its population, choosing the right service is crucial. Our guide, “The 7 Best Credit Counseling Services in New York,” is designed to help you navigate through the options and find a service that meets your needs.

When considering a credit counseling service, it’s essential to look at the range of services offered and key aspects that can impact your decision. Here are some of the services and factors to consider:

  • Debt Management Plans – Structured plans to help you repay debts.
  • Credit Report Reviews – Assistance in understanding and improving your credit score.
  • Budgeting Assistance – Guidance in creating a sustainable personal or household budget.
  • Financial Education Workshops – Programs to enhance your financial literacy.
  • Bankruptcy Counseling – Advice and support for those considering bankruptcy.
  • Housing Counseling – Support for homeowners and renters facing financial challenges.

    • As you explore your options, keep in mind aspects such as:

  • Accreditation and Certification – Ensure the service is certified by reputable financial organizations.
  • Fees – Understand the cost structure; some services might be free, while others can charge a fee, often ranging from $0 to $100.
  • Reputation – Look for reviews and testimonials from past clients.
  • Customer Service – Consider the quality of support and communication provided.

    • With the right guidance, you can take control of your financial future and make informed decisions that lead to financial stability. Dive into our complete guide for a detailed look at the top services in New York.

    7

    Number of companies

    10478

    Verified reviews

    4,51

    Average rating

    National Debt Relief
    (800)3009550

    1. National Debt Relief

    ★ ★ ★ ★ ★ 4,6/5
    180 Maiden Ln 30th floor, 10038.0, New York
    • Credit counseling service
    • Corporate campus
    • Financial consultant

    Why we chose them

    National Debt Relief stands out as a leader in the debt relief industry, known for its commitment to helping clients regain financial stability. With a reputation backed by high ratings from independent review websites, the company has established itself as a trusted name for individuals seeking credit counseling services, financial consultation, and debt relief solutions. Their program is performance-based, meaning clients only pay fees after achieving the desired results, which adds a layer of trust and transparency to their services. The company’s approach focuses on creating personalized plans, enabling clients to manage their debts effectively and regain control of their financial futures.

    Clients have shared numerous success stories, highlighting significant savings and the ability to live a debt-free life. By offering a free, no-obligation consultation, the company allows individuals to explore their options without pressure. The process involves setting up a Dedicated Savings Account, where clients deposit monthly payments, which are then used to negotiate reduced balances with creditors. This method has helped thousands transform their financial situations, with many clients achieving substantial savings and paying off debts faster. The company’s dedication to client satisfaction and industry leadership is evident through its active memberships and accreditations, ensuring they deliver results ethically and efficiently.

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    New Start Capital
    (888)5355560

    2. New Start Capital

    ★ ★ ★ ★ ★ 4,6/5
    463 7th Ave 9th floor, 10018.0, New York
    • Credit counseling service
    • Credit reporting agency

    Why we chose them

    New Start Capital is a distinguished financial services and advisory firm dedicated to assisting individuals with lower to moderate credit scores. They specialize in providing tailored solutions for loan acquisition, debt consolidation, and reducing creditor payments through lower interest rate options. With decades of experience, their trusted loan advisors have successfully guided thousands of customers toward achieving their financial goals, whether it’s reducing monthly payments, shortening the timeframe to become debt-free, or both. The firm prides itself on delivering personalized solutions to meet each client’s unique financial situation.

    In addition to their core services, New Start Capital offers comprehensive credit counseling services and operates as a credit reporting agency. Their streamlined application process is designed to be efficient and confidential, taking less than two minutes to complete. Despite some technical challenges on their website, their commitment to customer service remains unwavering. The company’s dedication to helping customers navigate financial challenges makes them a valuable addition to our directory, reflecting their reputation as a reliable partner in financial well-being.

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    Gold Coast Credit Services
    (877)2630643

    3. Gold Coast Credit Services

    ★ ★ ★ ★ ★ 5,0/5
    125 Park Ave Fl 25, New York
    • Credit counseling service

    Why we chose them

    Gold Coast Credit Services is a premier credit repair service provider dedicated to transforming credit challenges into success stories. They specialize in personalized credit solutions, helping clients enhance their credit profiles through a comprehensive approach. By addressing inaccuracies and outdated information on credit reports, they empower individuals to achieve financial goals like homeownership, starting a business, or securing better loan terms. With a commitment to customized strategies, they guide clients through a simple three-step process: credit assessment, dispute resolution, and progress tracking via a personal dashboard.

    The company offers an array of services, including credit counseling, credit building, credit monitoring, and personal financial coaching. Their expertise extends to securing personal and business funding, mortgage defense, and debt solutions. By focusing on personalized approaches, they ensure clients receive tailored guidance to improve credit scores and unlock opportunities like lower interest rates and better job prospects. Gold Coast Credit Services stands out for its dedication to delivering results beyond mere advice, making it a trusted partner in financial empowerment.

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    Limpia Deudas
    (844)5233832

    4. Limpia Deudas

    ★ ★ ★ ★ ★ 5,0/5
    230 Park Ave 3/4 Floor West, 10169.0, New York
    • Credit counseling service

    Why we chose them

    Limpia Deudas offers expert credit counseling services designed to relieve individuals from burdensome debt. With a focus on providing tailored solutions, their experienced professionals negotiate with creditors to create effective debt relief plans. Their approach ensures clients can become debt-free in as little as 12 months, without resorting to bankruptcy. By consolidating alliances with agents, they simplify life for their clients through debt forgiveness and restructuring. Additionally, Limpia Deudas provides educational and financial advice to help clients achieve financial independence, making it a valuable resource for those seeking to stabilize their finances.

    Clients have praised the company for its impeccable service, with testimonials highlighting significant debt reduction and credit score improvements. The program is designed to offer flexibility and personal attention, ensuring that each client’s unique financial situation is addressed. Whether dealing with personal loans, business debts, or other financial challenges, Limpia Deudas stands out for its commitment to helping clients regain their financial footing. Their services are inclusive and accessible, with a website that meets the standards of the American Disability Act, ensuring that they can assist a wide range of clients in their journey to financial freedom.

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    The Debt Relief Company
    (888)3440214

    5. The Debt Relief Company

    ★ ★ ★ ★ ★ 5,0/5
    99 Wall St #725, 10005.0, New York
    • Credit counseling service

    Why we chose them

    The Debt Relief Company offers a valuable service for individuals looking to regain control of their financial situation. Specializing in credit counseling, the company consolidates credit card debt into one manageable monthly payment, helping clients become debt-free within 12 to 48 months. With a focus on reducing monthly payments and eliminating high interest rates, the service allows clients to pay down debt ten times quicker without any upfront costs. Their commitment to customer satisfaction is evident, as they charge no fees unless savings are achieved, ensuring a risk-free experience.

    Renowned for its ethical and caring approach, the company prioritizes people over profit. By developing financial empowerment initiatives, they aim to educate Americans on sound financial habits through interactive tools and engaging content. The testimonials from satisfied clients highlight their exceptional customer service and dedication to making a meaningful impact on their clients’ lives. With no credit requirements, the company believes everyone deserves a chance to achieve financial freedom, making it a standout choice in the debt relief industry.

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    Credit Lifter Credit Repair
    (304)5033335

    6. Credit Lifter Credit Repair

    ★ ★ ★ ★ ★ 5,0/5
    1178 Broadway FL 3 STE 1317, 10001.0, New York
    • Credit counseling service

    Why we chose them

    Credit Lifter Credit Repair stands out in the credit counseling industry by offering comprehensive services designed to boost and optimize credit scores. Their approach includes a thorough analysis of credit reports for a minimal fee, followed by a complimentary consultation to guide clients through improving their credit health. The company’s process is transparent and commitment-free, with clients often seeing results within 45 days. They focus on removing negative items such as inquiries, late payments, collections, repossessions, and even bankruptcies from credit reports, helping clients rebalance credit utilization and unlock lending potential.

    Specializing in tailored solutions, Credit Lifter aids those with bad credit, newcomers to credit, and smart borrowers aiming to enhance their financial standing. Their services include adding positive tradelines, securing higher credit limits, and providing access to various financing options like equipment financing and startup loans. With a strong emphasis on data security and privacy, they ensure client information is protected. The company guarantees results, offering refunds if promised outcomes are not met, making them a reliable choice for individuals seeking to improve their credit scores and financial opportunities.

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    First Credit Solutions
    (844)6461581

    7. First Credit Solutions

    ★ ★ ★ ★ ★ 2,4/5
    230 Park Ave 3rd Floor W Floor W, 10169.0, New York
    • Credit counseling service

    Why we chose them

    First Credit Solutions stands out for its unique approach to debt resolution, offering personalized, face-to-face assistance to clients across the United States. With over eight years of experience, the company excels in providing effective debt management programs, focusing on credit card debt relief and consolidation. By employing a proprietary “in-house” model, First Credit Solutions integrates the entire process under one roof, ensuring seamless coordination between front-end and back-end operations. This comprehensive approach empowers clients with the tools, resources, and knowledge they need to improve their financial situations and achieve lasting debt relief.

    The company’s mission is to enhance the financial well-being of its clients through education and strategic guidance. First Credit Solutions only enrolls clients who can genuinely benefit from their services, ensuring a tailored and impactful experience. Clients have praised the company for its exceptional customer service and clear communication, highlighting the personalized plans designed to resolve outstanding debts and improve credit standings. By offering free consultations with certified debt specialists, First Credit Solutions ensures that individuals receive the clarity and guidance necessary to navigate their financial challenges confidently.

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    FAQs

    What services are typically offered by credit counseling services in New York?

    Credit counseling services in New York often provide debt management plans, credit report reviews, budgeting assistance, financial education workshops, bankruptcy counseling, and housing counseling.

    How much do credit counseling services cost in New York?

    The cost of credit counseling services in New York can vary. Fees often range from €0 to €100, depending on the type and extent of services offered.

    How long does it usually take to complete a debt management plan?

    A debt management plan typically takes three to five years to complete, depending on the amount of debt and your ability to make regular payments.

    What should I consider when choosing a credit counseling service?

    When choosing a credit counseling service, consider factors like accreditation, fees, reputation, and customer service quality. Ensure the service is certified by reputable financial organizations.

    Are there free credit counseling services available in New York?

    Yes, some credit counseling services in New York offer free initial consultations or services. It's important to verify the terms and any potential fees associated with ongoing support.

    How can I verify the accreditation of a credit counseling service?

    You can verify accreditation by checking if the service is certified by organizations like the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA).

    What is the benefit of attending financial education workshops?

    Financial education workshops help enhance your financial literacy, providing knowledge on budgeting, managing credit, and making informed financial decisions, contributing to long-term financial stability.

    Can credit counseling help improve my credit score?

    Yes, credit counseling can help improve your credit score by providing guidance on managing debt, making timely payments, and understanding your credit report, ultimately leading to better financial habits.

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