About us: TCC was established in 2006 by Owner and Founder Owens Mota. We began instituted our company in Fair Lawn, NJ with the intent to provide credit restoration to our community and the entire Tri-State Area.
In 2009 our office relocated to, our now current location, Passaic, NJ, where TCC continues to operate and provide superior credit and clientele services nationally. Through the years we have acquired a portfolio of accomplished affiliates ranging from Loan officers, realtors, attorneys, insurance, auto leasing and financing agents all at our disposal, making you our number one priority.


TCC is committed to provide a personally tailored credit / financial analysis, catered to you, in order to increase your overall credit scores in four of the following major categories: Real Estate, Automobile, insurance and credit cards. Our catered services, in relation with our credit expertise, will help improve, you the clients lifestyle in obtaining your financial dreams.


Our certified and experienced team in credit and collections law, have enabled us to provide you with the utmost qualified service our agency can offer. TCC has designed a program that delivers a skillful and genuine approach with long lasting credit improvement. We have established a team of bilingual members who are efficient in dissecting and relaying excellence in credit communication. Here at TCC you are not a number, we value you as a person and the delicate intricacy that is your credit history.


Integrity, Responsibility and Team work.

Some of our clients Testimonials!

“Fixed my credit in 75 days. Very prompt and effective. Removed all my collections. Thanks Guys.”

Hermis Figueroa

Passaic, New Jersey

¨Would like to thank the top credit team for such a fast turn around in fixing my credit. Went from a 556 to a 684 in 4 months. Also wanted to thank you for the new credit card. Thanks¨

Ciara Lopez

Hackensack, New Jersey


TCC is serving in the New York and New Jersey area.

New Jersey Cities Served

Some of the cities and areas in Bergen County, New Jersey (NJ) that we provide credit restoration services to include: Alpine, Cliffside Park, Closter, Cresskill, Demarest, Dumont, Edgewater, Englewood, Englewood Cliffs, Fort Lee, Franklin Lakes, Glen Rock, Ho Ho Kus, Leonia, Mahwah, Moonachie, Oradell, Ramsey, Ridgewood, River Edge, Teaneck, Tenafly, Wood-Ridge, Wyckoff, Saddle River, Waldwick.

Zip Codes in the Bergen County, New Jersey (NJ) area that we provide creditrepair services to include:
07030, 07620, 07666, 07624, 07627, 07010, 07626, 07628, 07661, 07020, 07075, 07632, 07631, 07649, 07024, 07452, 07423, 07417, 07605, 07458, 07446, 07450, 07481, 07670, 07451, 07643, 07463, 07052, 07023