About

Credit consulting, done right

For over 15 years, Rosario Credit Group has helped individuals and business owners strengthen their credit profiles through strategic consulting, education, and ongoing support. Our office is located at 1030 Broad Street, Shrewsbury, NJ 07702.

Our approach

We built Rosario Credit Group on a simple idea: credit is confusing on purpose, and clarity is the most valuable thing we can offer. Every client engagement starts with education — how credit actually works, what's on your report, and what your realistic options are.

What we stand for

  • CROA-compliant consulting — written contracts, three-day right to cancel, no upfront fees for future work
  • Straight answers about what can and can't change
  • No guarantees of specific credit outcomes — because no one can honestly make them
  • Long-term relationships over short-term promises

Who we serve

  • First-time and future homebuyers
  • Auto loan applicants
  • Small business owners and entrepreneurs
  • Individuals rebuilding after a setback

What clients say

"They walked me through my credit report line by line before I ever talked to a mortgage lender. I finally understood what I was looking at."

Michael R.
First-time homebuyer · Toms River, NJ

"The business credit roadmap was exactly what I needed. Clear next steps, no pressure, no promises they couldn't back up."

Jasmine T.
Small business owner · Newark, NJ

"Straight talk about what was on my file, what could be disputed, and what needed time. That honesty is why I stayed."

David L.
Entrepreneur · Brooklyn, NY

"I felt like I was being educated, not sold to. That made all the difference when it came time to make decisions."

Priya S.
Auto loan applicant · Philadelphia, PA

"Rosario laid out a realistic timeline and never overpromised. Two years in, I'm exactly where they said I could be if I stayed disciplined."

Anthony G.
Rebuilding after bankruptcy · Asbury Park, NJ

"They took time to explain the mortgage prep process. I never felt rushed and I never felt talked down to."

Carmen O.
Future homeowner · Jersey City, NJ

"I came in wanting funding yesterday. They slowed me down, cleaned up the business file first, and the offers I got later were night and day."

Rashad B.
Trucking company owner · Elizabeth, NJ

"Every question I asked got a real answer. I never felt like I was being pushed into something I didn't understand."

Sofia M.
First-time homebuyer · Staten Island, NY

"I walked into the dealership prepared for the first time in my life. That preparation is worth every penny."

Kevin P.
Auto loan applicant · Freehold, NJ

"The vendor account roadmap they gave me is still what I follow today. Clear, sequenced, and actually usable."

Latoya W.
Startup founder · Trenton, NJ

"They helped me separate my personal and business credit the right way. Should've done it years ago."

Marco V.
Contractor · Long Branch, NJ

"No shame, no judgment. Just a plan I could actually stick to. That mattered more than I expected."

Nadia H.
Rebuilding credit · Paterson, NJ

"I finally understand how utilization actually moves my score. Wish someone had explained it to me a decade ago."

Brandon K.
Future homeowner · Red Bank, NJ

"The consultation was worth it before I even signed anything. They found things on my report I didn't know were there."

Elena R.
Small business owner · Union City, NJ

"Professional from the first call. They set expectations honestly and stuck to them the whole way through."

Terrance J.
Entrepreneur · Queens, NY

"I brought them my pre-approval denial letter. Six months later I had a different conversation with the same lender."

Aaliyah S.
First-time homebuyer · Neptune, NJ

"They understood what a small business owner actually deals with. The plan matched my reality, not a textbook."

Vincent D.
Restaurant owner · Hoboken, NJ

"Starting over financially was overwhelming. Having someone walk it through with me made it feel possible again."

Melissa F.
Rebuilding after divorce · Middletown, NJ

"They told me what I could realistically qualify for and what I shouldn't touch. Saved me from a bad deal."

Jerome A.
Auto loan applicant · Bronx, NY

"Every meeting felt like a lesson, not a sales pitch. I left knowing more than when I walked in every single time."

Isabella C.
Future homeowner · Bayonne, NJ

"They helped me build business credit the right way from day one. That head start is showing up now that I need funding."

Devin M.
E-commerce owner · Newark, NJ

"I was ready to give up on homeownership. Their honesty about the timeline gave me a real target to work toward."

Grace O.
First-time homebuyer · Edison, NJ

"Loan applications used to make me anxious. Now I understand what lenders are looking at and how to present it."

Hector L.
Landscaping company owner · Perth Amboy, NJ

"They gave me homework and held me to it. That accountability is what made the difference for me."

Simone B.
Rebuilding credit · Camden, NJ

"Best consulting money I've spent on my business. The clarity alone was worth the engagement."

Anthony R.
Business owner · Wall Township, NJ
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