Restore your financial standing with proven expertise.
Navigate the complexities of credit reporting with New Jersey's premier advocacy firm. We work within federal guidelines to ensure your profile reflects accuracy and fairness.
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What is legal credit repair?
Credit repair is the process of identifying and challenging inaccurate, obsolete, or unverifiable information on your credit reports. Under the Fair Credit Reporting Act (FCRA), you have the legal right to an accurate credit history.
Our specialists meticulously review reports from Experian, Equifax, and TransUnion. When discrepancies are found—from clerical errors to outdated collections—we leverage federal law to demand corrections on your behalf.
Our Services
Credit repair solutions built for long-term success — backed by 20+ years of industry knowledge.
Expert Credit Repair
A structured process: credit review, detailed report analysis, dispute action plan, and ongoing support.
Learn moreBuild Your Rent
Through our Rental Kharma partnership, report your rent payments to help build credit history.
Learn moreCredit Monitoring
24/7 alerts, no-impact score access, and identity theft insurance — stay in control of your data.
Learn moreEarn Cash
Refer a friend and get $50. Complete our program for up to $500 in reimbursement with select partners.
Learn moreLed by experience. Driven by your success.
I'm Scarlet Johnson, founder of Credit Specialties — and I know exactly what it feels like to struggle with bad credit. In 2008, after experiencing bankruptcy and foreclosure, I had to rebuild everything from scratch.
That journey shaped who I am today and why this company exists. With over two decades of industry insight, I became a certified credit counselor and financial wellness coach to help others walk that same path — legally and successfully.
- A company backed by real-life experience
- A process built on law, not loopholes
- A team that teaches, empowers, and supports
Client Success
Hear from customers who secured their financial future.
"I was skeptical after years of trying to manage errors myself. Within four months, they cleared major inaccuracies from my report that allowed me to qualify for my first home in Lakewood."
"The level of professionalism here is unmatched. They explained the entire FCRA process and kept me updated every step of the way. My score is now in the 700s."
Frequently asked questions
How long does credit repair take?
Every credit profile is different, but most clients begin seeing progress within 30–60 days. Our process is efficient, transparent, and tailored to your situation.
If I cancel early, do I have to pay for the full 6 months of service?
No, there is no cancellation fee. You are only billed for the time and services you've received. We believe in flexibility and trust — not locking you in.
Do you offer any discounts?
Yes — friends and family discounts plus special pricing for military, first responders, law enforcement, seniors, and educators. Ask about current offers.
Will I still need to pay debt collectors if you negotiate my debt?
Our first goal is always to remove the debt from your credit report. When that isn't possible, we may recommend negotiating a payoff and negotiate directly on your behalf.
Do I need to come to your office to get started?
No — consultations are done by phone or virtually, making it easy and convenient to begin wherever you are.
Looking for a reliable credit repair partner?
We don't make unrealistic guarantees. What we offer is structure, support, and TSR-compliant credit report repair services that put you in control.