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    Credibility Starts With You

    Millennial Credit offers solutions for your Business & Personal needs.

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    We Fix Credit

    You deserve to understand your credit score.

Learn About Millennial


Our history of successful negotiations speaks volumes. We review and address each issue with you and will come up with an efficient plan of action.


We're at the forefront of ever-changing credit laws. We are innovative in attacking each file and ensuring your credit report is the best it can be.


Transparency and honesty is at the core of our business. We use our resources to assist with our negotiations without compromising our ethics.

We're dedicated to ensuring that we take care of all of our clients & that their credit repair needs are not only met, but exceeded. We offer high-quality negotiations on your behalf and personal client service. We approach every client with a focus on integrity, advocacy, and understanding. We fight for you!

Learn More

Our Services

Credit Repair

Working together, we will extensively review your credit report and take stock of all possible inaccuracies. Line by line, we will then attack each item with the creditors and credit bureaus. Throughout the entire process our team will make sure to keep you informed, along with providing you access to a customer web portal with real time updates which will allow you to track your progress 24/7.

Debt Settlement

We will review and inventory each of your collections and charge off accounts and devise a plan together to negotiate down this debt. Our specialized team understands how best to handle these difficult situations and negotiate with oftentimes aggressive collection agencies in order to get you the best possible terms. When needed, we also keep a lawyer on retainer who focuses solely on such negotiations.

Credit Navigation

Using a thorough process, we evaluate your credit status based on your bank & credit history. Our team will analyze your credit file and work to remove all incriminating behavior which could possibly deter potential creditors. Some of the ways we work to leverage your credibility is by disputing inaccuracies, unauthorized inquiries, and outdated information on your credit profile.

Work Process

Meet Us
Credit Navigation
Pay Off Balances
High Interest Elimination
Capitol Maximization
Perfect Credit

Unlock Your Credit Potential

Pricing Table

Pay as you go

$149/ one time

  • Payment due upon confirmed success

Low Fee Monthly

$24.95/ month

  • Ongoing monthly payments

ProACT Credit

Call/ for pricing

  • Call us for a custom quote today

Qualifying Questions

Credit reports are made up of the following categories: 35% payment history – 30% amount owed – 15% length of history – 10% new credit – 10% types of credit cards used. It is pivotal to understand what your credit score is comprised of so you can take the correct action to fix it.
There are 3 bureaus with different ratings which you can ask for a copy of your Credit Score. Transunion, Equifax and Experian. Legally, you are entitled to one free copy of your credit report annually.
If you are looking to use your credit within the next few months for a big purchase like a house, car or applying for job or new lease, it’s important to speak to a credit specialist today. Fixing your credit can take time depending on the situation.
This question is critical when applying for new lines of credit, a loan or if you are in the market for a big purchase in the near future. In addition to your credit score and report the next factor that is considered is your current income.
This comes as a shocker to most people. People have a hard time understanding why they need to limit themselves to only 30%. The rule is when you are ready to use your credit, make sure your utilization is below the 30% mark. This ultimately counts for 30% of your credit score.
If you were recently denied credit, it’s important to understand why and if the reasoning is accurate. There are various different reasons why this might have occurred and it is exactly these types of denials can hurt your overall score.

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55 W Railroad Garnerville
New York 10923

office Hours

Mon - Fri : 9am to 5pm

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