Based in New Jersey Serving NJ, NY and PA Nationwide remote service
A local connection with remote convenience
Our roots are in Perth Amboy, New Jersey, but you do not need to live nearby to work with us. Clients in New York and Pennsylvania can book the same phone consultation and receive the same report review and dispute support as our New Jersey clients.
We review your reports with you, identify details that may be inaccurate or incomplete, and explain the work involved. If you choose to move forward, our team helps organize appropriate disputes and follows the responses.
Support for reporting issues in any of the three states
Whether you are in NJ, NY, or PA, credit reports can contain similar concerns: collections, charge-offs, late payments, unfamiliar inquiries, duplicate accounts, and incorrect balances or statuses. We look at the specific records behind each concern instead of using the same dispute reason for every account.
The credit bureaus and companies reporting the information investigate disputes and determine the result. We cannot promise deletions, score increases, or financing approvals.
Current report review during your consultation
An issue-by-issue action plan
Done-for-you support for appropriate disputes
Updates as bureau responses arrive
Outside the Tri-State area? We can still help
Our process is available remotely to clients across the United States. Have access to your current credit reports for your consultation, and we will look them over with you wherever you live.
COMMON QUESTIONS
What to know before getting started.
Do you work with clients in New York and Pennsylvania?+
Yes. We serve clients in New York, Pennsylvania, New Jersey, and throughout the United States remotely.
Where is OAS based?+
OAS is based in Perth Amboy, New Jersey, and works with clients across the Tri-State area and nationwide.
Do I need to visit an office?+
No. Consultations and follow-up can be handled remotely.
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.
