Proudly based in Staten Island — serving all five boroughs and clients nationwide by phone
USA-CreditRx LLC is a Staten Island-based credit education and restoration firm. We started because most of what's marketed as "credit repair" is either a copy-paste template or a promise the law doesn't allow anyone to make.
Lloyd founded USA-CreditRx LLC in Staten Island with one rule for the firm: never do anything that wouldn't hold up if a client asked to see it in writing. That means every dispute is documented, every fee is disclosed up front, and every case is judged on the actual report in front of us — not a generic script.
We built our process around what the Fair Credit Reporting Act and Credit Repair Organizations Act actually require, rather than around a template that gets sent to every client regardless of what's on their report. That means reading your file line by line, citing the specific basis for each dispute, and tracking every case against the bureau's statutory response window.
It also means being upfront about limits. Not every item on a report is inaccurate, and we don't tell you otherwise. Our job is to make sure the items that are wrong, outdated, or unverifiable get challenged properly — in writing, on the record, the way the law intends.
Every letter, every fee structure, every promise is checked against CROA and FCRA before it goes out — not after.
You should understand your own credit report better after working with us, not just receive a stack of paperwork.
Every dispute, every response, every deadline is on paper. If a bureau misses its window, we have the record to prove it.
We tell you upfront which items are strong disputes and which aren't. No guaranteed results, no inflated promises.
USA-CreditRx LLC was founded by Lloyd A. Melville in Staten Island, built around one rule: never do anything that wouldn't hold up if a client asked to see it in writing. Every dispute is documented, every fee is disclosed upfront, and every case is judged on the client's actual report rather than a generic script.
We work across all three major credit bureaus — Experian, Equifax, and TransUnion — reviewing your file line by line rather than sending the same template letter regardless of what's on your report.
No. We're upfront about limits: not every item on a report is inaccurate, and we don't tell clients otherwise. Our focus is making sure items that are wrong, outdated, or unverifiable are properly challenged — not promising blanket removal.
Yes. USA-CreditRx LLC is a BBB Accredited Business, in addition to being CROA and FCRA compliant.
A free consultation is the easiest way to see whether a dispute case makes sense for your report.
