Credit report review
We review your reports with you and identify inaccurate, incomplete, or unverifiable information that may need attention.
Over Achieving SolutionsCredit RepairBook free review 5-star client reviews. Serving clients nationwide.
Bad credit shouldn’t hold back your financial goals.
Based in New Jersey and serving NJ, NY, PA, and clients nationwide, OAS Credit Repair reviews your reports, addresses eligible inaccuracies, and helps you build a practical path forward.
Personalized review NJ, NY, PA and nationwide Straightforward process
A CLEARER CREDIT PICTURETrack progress with a plan.Understand your reports and focus on practical next steps.
Google-reviewedReal feedback from OAS clients
Client-focusedEvery credit profile is handled individually
Direct supportQuestions answered throughout the process
WHAT WE HELP WITH
A focused approach to better credit.
We help you understand your reports and take action on information that may be inaccurate, incomplete, or unverifiable.
Dispute support
Get an organized plan for challenging eligible collections, charge-offs, late payments, inquiries, and other reporting issues.
Credit rebuilding guidance
Build stronger habits around utilization, payment history, and account management with clear next steps.
GET YOUR CREDIT REPORTS
Have your reports ready for your consultation.
Set up your SmartCredit account before your appointment so your credit reports are ready. During the consultation, we’ll look them over, identify what may need attention, and explain how our full-service credit repair process works.
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We’ll review them with you
You don’t need to analyze your reports yourself. Have them ready, and our team will go through the details during your consultation.
EXPLORE OUR SERVICES
Get help with the details on your report.
Silver, Gold and Platinum packagesCompare levels of hands-on support.Tri-State credit repairBased in NJ, serving New York and Pennsylvania too.Nationwide credit repairWork with us from anywhere in the U.S.Credit repair servicesSee our complete review and support process.Collections and charge-offsReview balances, dates, and account status.Late payment disputesCheck payment history against your records.Unauthorized hard inquiriesInvestigate inquiries you do not recognize.Credit report errorsAddress duplicate accounts and incorrect details.New Jersey credit repairOur Middlesex County roots, with nationwide availability.
HOW IT WORKS
Simple steps. No confusing runaround.
Book your free review
Choose a time that works for you. We’ll discuss your goals and what is holding your credit back.
Review your reports
We identify questionable reporting and explain the options available for your situation.
Start your action plan
If we are a good fit, we organize the dispute process and keep you updated along the way.
BUILD TOWARD WHAT MATTERS
Your credit is part of a bigger plan.
Whether you are preparing for a home, a vehicle, or simply more financial stability, understanding your reports is an important first step.
Every person’s results and approval decisions are different. We focus on helping you make informed moves—not promising a particular outcome.
Explore our credit repair servicesVERIFIED GOOGLE REVIEWS
Real clients. Real experiences.
These reviews were shared publicly by OAS clients on Google. Individual results vary.
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Grace Medina
G“The consultation process was smooth, informative, and presented professionally, yet in simple language. I am now better informed about my options for building credit. Thomas answered all my questions without making me feel like they were unimportant. He was patient, knowledgeable, and respectful. In a world where, unfortunately, mediocre service has become the norm, it's a blessing to have someone who exceeded my expectations! Thank you so much, Thomas!”
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Fran
G“Started off around a 620 now im at a 749 in just around 2 months, these guys will get you right no doubt about it ☝🏽 Thank you again 🙌🏽”
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Blanca Rodriguez
G“I never thought I'd be able to get a credit card after I messed up my first one! But Tomas helped me big time with getting approved for a 3k limit Chase card. It's only up from here !! 🙌 can't thank him and his team enough for the work they put in. Highly recommend if you need your credit score raised or even guidance on how you should navigate your current credit situation”
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Raymond Medina
G“THE BEST SERVICE ! I can't thank Thomas enough for helping me out with purchasing my first Home! This is the first time in my life my credit score is in the 700's. I didn't think it was possible but he definitely made it happen. I recommend him 100% if you want to change your financial situation for the better.”
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Rosie G
G“I cannot recommend this credit repair company enough! They completely transformed my financial situation. I had several collections weighing down my credit score and felt stuck, unsure how to move forward. Their team was incredibly knowledgeable, professional, and supportive every step of the way. Not only did they help remove the collections from my report, but they also guided me on building and maintaining a healthier credit profile. Thanks to their expertise, my credit score improved significantly, and I was able to achieve my dream of buying a house! If you’re on the fence about getting help with your credit, trust me—this team is worth every penny. They truly care about their clients and go above and beyond to ensure your success. Thank you for making what felt impossible a reality!”
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Swastik
G“This company turned my credit around fast! They deleted negative items and boosted my score in just a few months. Professional, reliable, and worth every penny.”
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Rafael S
G“This place is great, I was able to get connected with the staff right away. The team is very knowledgeable and made a huge impact to my credit score. The office is spacious and friendly staff. Would recommend to anyone looking to fix their credit score, getting credit card, or any financials questions.”
COMMON QUESTIONS
Answers before you get started.
Can you guarantee deletions or a specific score increase?+
No. Credit results depend on each person’s reports, documentation, and creditor responses. We never guarantee a particular outcome.
How long does the process take?+
Timelines vary by client and reporting issue. Credit bureaus generally investigate disputes within the time allowed by applicable law, and some cases require multiple rounds.
Do you work with clients outside New Jersey?+
Yes. We work with clients in New York, Pennsylvania, and across the United States through a remote process.
What should I bring to the free review?+
Have access to your recent credit reports and be ready to discuss the accounts or goals you want help with.
YOUR NEXT STEP
Let’s review your credit together.
Book a free 10-minute call and get clear on what may be affecting your reports.