Credit Repair in Buffalo, NY
Erase Your Past, Build Your Future!
Buffalo people show up — for the job, for the family, through whatever winter throws at us. But a credit score doesn't measure any of that. One old collection, one reporting error nobody caught, one hard stretch a few years back, and the apartment says no, the auto loan comes back at a painful rate, and the business idea stays on hold.
Credit Works Pro has an office right in downtown Buffalo, and fixing that is exactly what we do.
📞 Free consultation: (877) 461-3755
📍 50 Fountain Plaza, Suite 1400, Buffalo, NY 14202
Credit repair for Western New York, from people who answer the phone
We're not a call center and not a national franchise hotline. When you work with Credit Works Pro, you work with Fletcher Seleme — Credit Repair & Business Funding Specialist — and a process that's explained to you in plain English from day one.
Whether you're in Buffalo, Cheektowaga, Tonawanda, Lackawanna, Niagara Falls, or anywhere in Western New York, everything can be handled by phone and through your secure online portal, with our Fountain Plaza office as your local base.
Start free, two ways:
- Take the Free Credit Quiz — about a minute, and it shows what's likely hurting your score
- Or book a free consultation and go through your reports with us, line by line
What we do
- Credit report disputes — we challenge inaccurate, outdated, and unverifiable information: late payments that aren't yours or aren't right, collections you don't recognize, obsolete items that should have aged off, personal information errors, and hard inquiries you never authorized.
- A real plan, not a template — your file gets a strategy based on your reports and your goals: a home in Western New York, a reliable car for the commute, a business loan, or simply breathing room.
- Business funding guidance — for Buffalo's owners, contractors, and side-hustlers alike: what funding types exist, what lenders look for, and how to get your personal credit and your business profile ready. Funding line: (475) 316-9703.
- 24/7 client portal — follow every dispute, round, and update as it happens at creditrestorationportal.com.
Pricing — the whole picture, up front
| Plan | Price | Disputes with |
|---|---|---|
| Bronze | $69.95/mo | 1 credit bureau |
| Flex | $89.00/mo | 2 credit bureaus |
| All Three Pro | $125.90/mo | All 3 credit bureaus |
Every plan includes unlimited dispute rounds per month on all negative accounts. Every plan also adds a $25/mo audit fee, charged 3–5 days after you sign up and onboard. Credit monitoring is a separate required charge — it's how we access your reports and track every change — and we'll quote you the exact figure before you commit.
No setup surprises, and we never charge you for a score we "promise" — because we don't promise scores. See How It Works for why.
How it works
- Free consultation — we review your reports together and tell you honestly whether we can help.
- Onboarding — pick your plan, set up your portal and monitoring, and we build your dispute strategy.
- Disputes, in the order that works now — we dispute directly with the credit bureaus and furnishers first. A CFPB complaint only comes after that dispute has closed or 45+ days have passed — that sequence is what the system honors today, and it's built into every file we run.
- Rounds and results — first results typically appear within 30–90 days. Some items resolve in round one; stubborn files take several rounds over months. You see every step in your portal.
- Build forward — as the negatives clear, we coach the positive side: utilization, on-time habits, and the next goal — the house, the car, the funding.
Learn free, wherever you are in Western New York
Credit Works Pro runs free Saturday Zoom sessions — Business Fundamentals and Credit Fundamentals, alternating Saturdays (Business Fundamentals: Saturday, Nov 7, 2026, 4–5 PM ET · Credit Fundamentals: Saturday, Nov 21, 2026, 5–6 PM ET · then alternating Saturdays, 4–5 PM ET, through Jan 30, 2027). Join from home — see the full schedule.
There's also the Credit Works Pro Podcast for straight-talk credit education on your schedule, and our monthly newsletter with one useful credit idea per issue. Sign up free.
Buffalo FAQ
Q: Do I have to come into the Buffalo office?
A: No. Most clients handle everything by phone and through the 24/7 online portal. The Fountain Plaza office is our Buffalo base, and everything — consultation, onboarding, disputes, updates — works just as well remotely, anywhere in Western New York.
Q: How long does credit repair take?
A: First results typically show within 30–90 days. How long the full process takes depends on your file — how many negative items you have, how the bureaus and furnishers respond, and how many dispute rounds are needed. We'll give you a straight read on your file at the free consultation, and we never guarantee a specific score or date.
Q: What does it cost, exactly?
A: Bronze is $69.95/mo (1 bureau), Flex is $89.00/mo (2 bureaus), and All Three Pro is $125.90/mo (all 3 bureaus). Every plan adds a $25/mo audit fee, charged 3–5 days after signup and onboarding, and credit monitoring is a separate required charge. That's the whole picture before you sign anything — no hidden fees.
Q: I was denied for an apartment / car / loan because of my credit. Can you help?
A: Very likely, yes — denials are usually driven by specific items on your reports, and specific items are exactly what disputes target. Bring your reports (or the denial letter) to your free consultation and we'll show you what we'd challenge first and why. Start with the Free Credit Quiz if you want a head start.
More answers on the full FAQ page.