Got Credit? Helping New Jersey Residents Achieve Financial Freedom

Got Credit? has helped many individuals and families across New Jersey rebuild their credit and achieve financial success.

Our mission is to ensure that every resident has access to a fair and accurate credit report while equipping them with the tools to improve their personal and business credit. We’re proud to advocate for your financial well-being and support your journey toward financial freedom.

For many in New Jersey, the path to financial independence can feel overwhelming. Entrepreneurs and individuals aiming to improve their credit often lack the support system necessary to achieve their goals. You may feel out of sync with those around you, hearing discouraging comments like, “That will never happen” or “You’re dreaming too big.” These words often come from people who don’t share your passion for financial success.

A key principle to remember is: “Your network shapes your net worth.”

The people you surround yourself with greatly influence your achievements. If you spend time with those who aren’t striving for financial excellence, you risk compromising your own ambitions.

YOU DESERVE TO BE AMONG OTHER WINNERS IN NEW JERSEY

Financial Data for New Jersey

Having bad credit in New Jersey can significantly impact your financial health, particularly concerning housing and auto loans. Here's a breakdown:

North Jersey

• Average Household Income: $109,497 
• Median Home Price: $600,000+
• Average Monthly Mortgage Payment (10% Down): $3,710+
• Average Rent Price: $3,000–$3,811

Central Jersey

• Average Household Income: $89,296–$100,000 
• Median Home Price: $500,000–$550,000 
• Average Monthly Mortgage Payment (10% Down): $3,200–$3,550
• Average Rent Price: $2,000–$2,500

South Jersey

• Average Household Income: $60,000–$80,000 
• Median Home Price: $300,000–$400,000 
• Average Monthly Mortgage Payment (10% Down): $1,900–$2,500
• Average Rent Price: $1,500–$2,200  

Top 5 Growing Small Businesses in New Jersey

1. Craft Breweries:

   • Why They're Growing: The craft beer industry thrives on local tourism and consumer interest in unique, artisanal products. Entrepreneurs in this space often rely on strong credit to finance brewing equipment, expand facilities, and market their brand effectively.
   • Credit’s Role: Poor credit can hinder access to financing needed to scale operations or meet seasonal demand.

2. E-Commerce Startups:

   • Why They're Growing: As online shopping grows, small e-commerce businesses succeed by catering to niche markets. Strong credit helps business owners secure funds for inventory, marketing campaigns, and website development.
   • Credit’s Role: Bad credit limits access to business lines of credit or startup loans, which are crucial for scaling.

3. Health and Wellness Studios:

   • Why They're Growing: Rising health consciousness has fueled demand for yoga studios, fitness centers, and holistic wellness practices. Entrepreneurs in this sector often need loans for space, equipment, and marketing.
   • Credit’s Role: Without good credit, securing affordable financing for these upfront investments can be a challenge.

4. Food Trucks:

   • Why They're Growing: Low overhead costs and high consumer demand make food trucks a lucrative venture. Access to financing allows entrepreneurs to purchase vehicles, equipment, and permits.
   • Credit’s Role: Entrepreneurs with poor credit may struggle to cover these startup costs, limiting their ability to enter or compete in the market.

5. Home Renovation Services:

   • Why They're Growing: A booming housing market drives demand for home renovation and landscaping services. Small businesses in this field benefit from strong credit to purchase tools, hire labor, and secure contracts.
   • Credit’s Role: Bad credit can limit their ability to invest in essential resources, reducing their competitiveness.

Top 5 Failing Small Businesses in New Jersey

1. Independent Retail Shops:

   • Why They're Failing: Competition from online retailers and rising commercial rents have made it difficult for traditional retail stores to survive.
   • Credit’s Role: Limited credit access prevents owners from pivoting to e-commerce or investing in digital marketing, worsening their decline.

2. Diners and Casual Restaurants:

   • Why They're Failing: Rising food costs and labor shortages make it hard for small restaurants to stay profitable.
   • Credit’s Role: Poor credit hinders owners from adapting to trends like delivery services or upgrading their establishments to attract more customers.

3. Independent Pharmacies:

   • Why They're Failing: Competition from large pharmacy chains has driven many small pharmacies out of business.
   • Credit’s Role: Without strong credit, owners struggle to expand offerings or modernize operations to compete with larger chains.

4. Travel Agencies:

   • Why They're Failing: The convenience of online booking platforms has rendered many traditional travel agencies obsolete.
   • Credit’s Role: Poor credit limits their ability to pivot to niche markets or invest in new technology for personalized services.

5. Print Shops:

   • Why They're Failing: Digital marketing has replaced the need for traditional print advertising, leading to a decline in demand.
   • Credit’s Role: Business owners with limited credit struggle to diversify their offerings or invest in digital printing equipment to remain competitive.

Connect with those who understand and inspire you. People who are on your side. That’s what we offer—a community of professionals dedicated to reaching their highest potential in business, relationships, and financial health.

As a member, you will represent what it means to be a winner. Your mission is to continually grow into a more knowledgeable and financially successful version of yourself. Achieving greatness means unlocking the secrets to success.

We've discovered the formula. Join us and take your financial future to the next level.

Got Credit? has worked with clients all over the country and have assisted in removing inaccurate and unverified negative accounts deleted from their consumer credit reports. For over the last 14 years, we've worked with our clients to dispute inaccurate negative items to include collections, late payments, charge-offs, bankruptcies and more. 

The primary advantage of joining our community is the powerful network you'll become a part of. You'll connect with numerous successful individuals who have mastered the financial game—people who understand your journey and aspirations.

We go beyond just providing services; we build lifelong partnerships. Our dedicated team handles credit repair for you and assists you in building strong business credit. Our mission is to help you achieve unprecedented financial success and elevate your overall well-being.

Our comprehensive approach includes:

• Expert credit repair services
• Business-credit-building strategies
• Income-boosting techniques
• Financial habit improvement
• Positive mindset fostering

Our clients stay with us because of the tangible results and the lifelong support. Many share that after their first few months, they learned a credit-building technique or financial strategy. That alone justified the entire investment.

Additionally, you'll benefit from a supportive community of like-minded individuals who help each other grow and succeed. Networking with peers who share your drive for financial excellence can open doors to new opportunities and collaborations.

Join the other clients in New Jersey that are taking action on improving their credit and network with them in our community. See you on the inside!