Credit Score Improvement

Boss Up Get Your Credit Score UP

Let us help you get your credit back into shape

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We set high expectations

As a customer-centric credit repair company, we set high expectations for ourselves. We will not only help you attain the highest credit score possible but also guide you on better credit living by exploring ingenious financial avenues that will secure your future. Our strategies will help you take charge of your credit and focus on investing in your future. We are Credit Score Improvement experts and mentors who bring their expert knowledge, understanding, and support to the financial industry with real-time solutions for you to implement and eventually realize positive outcomes.


We do not just look to help you regain your financial standing through credit repair NJ. We want to sit with you first and answer any questions you may have regarding our services processes. Please give us a call for a consultation and allow us to discuss your options.

Personalized Strategy

We are industrious credit repair Newark NJ professionals who understand that every customer’s situation is unique. Therefore, we build customized credit strategies that will suit your situation and schedule to reach your goals and objectives in the stipulated time. We will prioritize your case from the very beginning until you attain full financial recovery.

Rejoice in Results

At R.A.P Credit, we cannot guarantee you quick results, but we can attest to the fact that many of our clients have achieved the best results within 90 days of hiring our services.

Our Promise

At R.A.P Credit, we are confident in our proven systems, and we assure you of our dedication to helping you raise your credit score and get approved once again for low-interest financing. As one of the leading credit repair companies NJ, we will leverage our experience, insights, and capabilities to give you the best outcomes. We will only part ways once you have successfully regained your full financial health and embraced the best financial habits.

Question & Answer

  • Why Should I Choose Your Company?

    We don’t only work to remove the negative, inaccurate information from your credit report. We also give you the information you need to increase your credit score.

  • How Long Does it Take to See Results?

    You can expect to see results in at least 30 days, with it taking up to 90 days in some cases.

  • How Much Will I Have to Pay?

    You will need to pay a credit analysis fee of $249 in the beginning. During this process, we will give you a detailed report that explains what is lowering your credit score and what can be done to increase the score. If you decide you like the direction outlined, the fee is $99 per month. You are not obligated to sign up and you can cancel your service at any time. You are not charged a fee until work is performed.

Our Services

Our Mission

Our mission is to ensure that our clients live healthy financial lives. With our tools, calculators and financial experts, we will provide credit counseling NJ and education to make this happen. If you are shopping for financial products or services, we have a variety, and our financial advisors will guide you on the best products that will enhance your financial growth.
We know that personal finance can be quite intimidating, but we can change this perception by empowering you with life-changing information. We will also give you direction on the best options that will help you make smart financial decisions and commitments.

Who Are We?

We are diligent credit repair Newark NJ specialists who are devoted to transforming your life and help you regain your creditworthiness.At R.A.P Credit, we understand the importance of having everything you are entitled to in life. We endeavor to assist you in rebuilding your credit score and also advice and educate you on the best ways of clearing your debts for you to qualify for loans, mortgages and other financial products.
We are strong consumer advocates who will provide you with the much-needed tools for achieving your financial goals. We also offer informative content that will guide you through the process of credit repair. As our valued client, we will take you through all the strategies of reestablishing your credit, paying up your debts and handling your collectors and creditors.

Weekly Education

During the credit restoration process, we will provide you with information and the education you need to continue raising your credit score.
Here at R.A.P Credit, we don't just fix your credit. We also give you the tools to maintain your improved credit. We will provide you with free in-depth credit analysis that will help you understand what should be done effectuate this. Our credit counseling NJ team will also equip you with knowledge that will help you move forward and establish a strong financial foundation.

Our Strategies

Credit Repair

Removing inaccurate information from your credit reports is the initial step in the credit repair Newark NJ process.The law permits every consumer to dispute erroneous information from their credit report if they discover that certain items listed in their reports are not accurate.


This is the second step to regaining your credit. As we strive to play our part in disputing and removing erroneous information from the credit reports, we will also guide you on how to start settling outstanding debts. We will work with your creditors and collectors to find better ways of doing this. You have to prove to your creditors and FICO that you can make on-time payments to get your credit back.

Raise Your Score

Step number three is getting back your credit by working hard to raise your credit rating. Your credit score is the determining factor for getting approval on any loan from your lenders. A low credit score will be denied loan approval, and in case the loan is approved, you will be subjected to high interest rates and fee. At R.A.P Credit, we liaise with banking experts and analysts to find you better deals on financial products that will help improve and not hurt your credit score further.


Your Progress”Our credit repair Newark NJ servicesdo not end with disputing derogatory information on the reports. We are fully committed to your overall financial success, and we will continue to monitor your progress to ensure you don’t falter even once. We will keep reminding you of the key targeted changes and dates. Our credit consulting team will assist you with free credit monitoring until you thrive in your credit repair quest.
Let Us Help You Regain Your Credit

If you’ve had enough of dealing with the repercussions of poor credit, it is high time you took action. Did you know that credit reports can contain millions of mistakes? That means you may be suffering blindly from an error that that is costing you much more than emotional stress.

Allow one of the best credit repair companies NJ to work with you on your credit repair journey.


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