Got Credit? Helping New Yorkers Build a Brighter Financial Future

Got Credit? has helped countless individuals and families across New York 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 help you reach your financial goals.

For many in New York, navigating financial challenges can feel isolating. Whether you’re an entrepreneur building your business or someone striving to improve your credit, the journey can be overwhelming without the right support. You may encounter discouragement from others who don’t share your drive for financial success.

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

Surrounding yourself with motivated, financially-minded individuals can help you achieve more and stay focused on your goals.

YOU DESERVE TO BE AMONG OTHER WINNERS IN NEW YORK

Financial Data for New York

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

New York State

• Median Household Income: $68,486.

• Median Home Price: $305,400.

• Average Monthly Mortgage Payment (10% Down): Approximately $1,904.

• Average Rent Price: $1,561 per month.

Manhattan

• Median Household Income: $84,435.

• Median Home Price: $1,160,000.

• Average Monthly Mortgage Payment (10% Down): Approximately $6,000.

• Average Rent Price: $4,489 per month.

Brooklyn

• Median Household Income: $67,567.

• Median Home Price: $950,000.

• Average Monthly Mortgage Payment (10% Down): Approximately $4,900.

• Average Rent Price: $3,500 per month.

Queens

• Median Household Income: $73,262.

• Median Home Price: $720,000.

• Average Monthly Mortgage Payment (10% Down): Approximately $3,700.

• Average Rent Price: $3,427 per month.

The Bronx

• Median Household Income: $43,011.

• Median Home Price: $500,000.

• Average Monthly Mortgage Payment (10% Down): Approximately $2,600.

• Average Rent Price: $3,175 per month.

Staten Island

• Median Household Income: $86,054.

• Median Home Price: $600,000.

• Average Monthly Mortgage Payment (10% Down): Approximately $3,100.

• Average Rent Price: $2,500 per month. 

Top 5 Growing Small Businesses in New York

1. Tech Startups:

   • Why They're Growing: New York City has established itself as a tech hub, with startups thriving in areas like app development, fintech, and artificial intelligence. These businesses benefit from the city's access to global capital and a robust talent pool.
   • Credit’s Role: Entrepreneurs with good credit can secure funding for product development and scaling operations, while poor credit limits access to venture capital and small business loans.

2. Specialty Food Markets:

   • Why They're Growing: New Yorkers value high-quality, artisanal food products, driving growth in specialty markets and food retailers. Small businesses offering organic, locally sourced goods are particularly successful.
   • Credit’s Role: Strong credit allows these businesses to invest in supply chains, refrigeration systems, and retail space upgrades.

3. Fitness and Wellness Studios:

   • Why They're Growing: With the increasing focus on health and fitness, boutique gyms and wellness centers are on the rise. Businesses offering unique fitness programs or wellness experiences have seen significant growth.
   • Credit’s Role: Good credit helps owners finance equipment, lease spaces, and develop marketing strategies to attract clientele.

4. Creative Agencies:

   • Why They're Growing: New York's thriving arts and media scene has created demand for creative agencies specializing in marketing, graphic design, and video production.
   • Credit’s Role: Access to credit allows agencies to invest in high-quality tools, software, and client acquisition strategies.

5. E-Commerce Businesses:

   • Why They're Growing: The convenience of online shopping has fueled the success of small e-commerce businesses in New York. Niche retailers thrive by targeting specific markets and leveraging digital platforms.
   • Credit’s Role: Entrepreneurs need strong credit to cover startup costs like website development, inventory, and digital marketing.

Top 5 Failing Small Businesses in New York

1. Independent Retail Stores:

   • Why They're Failing: Rising commercial rents and competition from e-commerce giants have made it difficult for small brick-and-mortar stores to survive.
   • Credit’s Role: Limited credit access restricts their ability to pivot to online platforms or invest in digital marketing.

2. Traditional Travel Agencies:

   • Why They're Failing: The shift to online booking platforms has made traditional travel agencies less relevant.
   • Credit’s Role: Poor credit limits these businesses from adapting by offering personalized or niche travel services.

3. Diners and Small Restaurants:

   • Why They're Failing: Rising costs of food, labor, and rent, combined with increased competition from large chains, have led to closures.
   • Credit’s Role: Lack of credit prevents owners from making necessary upgrades or launching marketing campaigns to attract new customers.

4. Independent Pharmacies:

   • Why They're Failing: Larger pharmacy chains and online retailers have made it hard for independent pharmacies to compete on price and convenience.
   • Credit’s Role: Without strong credit, pharmacies struggle to expand offerings or implement modern technology to enhance customer experience.

5. Print Shops:

   • Why They're Failing: Digital media has largely replaced traditional print services, reducing demand for these businesses.
   • Credit’s Role: Business owners with poor credit are unable to invest in newer printing technology or diversify their services to stay 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 York that are taking action on improving their credit and network with them in our community. See you on the inside!