Last updated:

Best Credit Repair Companies in Boston, MA

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Boston Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



7Top Picks

Learn about our selection process.


featured provider = Featured Provider

Boston, MA 2134 Rating

Review Sources

4.8 (5317)
2.5 (23)

Why choose this provider?

Credit Saint LLC has been providing Boston residents with credit restoration services for more than 15 years. Headquartered in New Jersey, the credit repair company assists customers in challenging errors or wrong information in their credit histories and improving their credit ratings. Its credit specialists identify items that may be damaging a customer's credit and educate clients on how to read their credit reports and maintain a good score. Credit Saint holds an A+ rating from the Better Business Bureau.

  • Credit Restoration
  • Money Back Guarantee
  • Credit building
  • Credit Audit
  • Credit Repair
Lexington Law logo


Boston, MA
Free Credit Report Consultation Rating

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

  • Consumer Credit Services
  • Credit Repair

1104 Main Street, Brockton, MA 02304 Rating

Review Sources

5.0 (89)
5.0 (6)

Why choose this provider?

Bay State Credit Repair services Boston clients who struggle with credit scores and errors in credit reports. The Quincy-based firm supports clients through the credit repair process to help them achieve homeownership, automobile purchases, reduced interest rates, and employment through credit-vetting procedures. Bay State Credit Repair also offers customized dispute assistance to help clients challenge credit report errors involving factors like medical bills, foreclosures, late payments, and repossessions. Beyond credit repair, the firm also provides credit monitoring services to ensure clients' financial visibility.

15 Vineyard St. Apt #404, Providence, RI 02907 Rating

Review Sources

5.0 (13)
5.0 (1)

Why choose this provider?

Founded in 2008, On Home Buying and Credit Repair serves clients in Boston and the surrounding areas. It provides credit repair services that help improve clients' chances of getting loans from banks and remove inaccurate information from their credit reports. The company also guides homeowners, homebuyers, and investors through the process of obtaining mortgage loans. Owner Edward F. St. Onge uses his 37-year experience as a litigation lawyer in helping customers improve their financial well-being.

  • Credit Monitoring

130 Rumford Ave Ste 202, Auburndale, MA 02466
Website Rating

Review Sources

4.9 (415)
4.9 (54)

Why choose this provider?

American Consumer Credit Counseling Inc. is a nonprofit credit counseling agency serving clients in the Boston area. It assists individuals who need to repair their credit histories and manage finances by reviewing their income flow, assets, and expenses. The professionally trained counselors advise clients as to whether they require a personalized debt management plan or if bankruptcy is their best solution. The agency evaluates each person's financial situation and works with creditors to arrange possible debt pay-off options. American Consumer Credit Counseling is approved by the Department of Justice to provide bankruptcy counseling sessions to the public.

100 Grandview Rd Ste 310, Braintree, MA 02184 Rating

Review Sources

5.0 (66)
5.0 (22)

Why choose this provider?

National Financial Credit Group is a credit repair company serving the Boston metro area for over 13 years. The company helps clients dispute all negative line items that affect their credit scores on reports from the three main credit bureaus: Experian, Equifax, and Transunion. Its six-part credit repair process takes an overview of a client's entire credit picture, assists in the removal of negative items, and provides the tools necessary to add positive points to a credit score, all completed with 100 percent transparency via an online customer portal system. National Financial Credit Group also provides foreclosure and bankruptcy prevention services.

245 Main St Ste 2, Brockton, MA 02301 Rating

Review Sources

4.9 (14)

Why choose this provider?

One Good Credit serves the greater Boston area with credit repair services. It aims to optimize clients' credit scores by submitting disputes to the three major credit bureaus to remove negative items from credit reports. The credit repair specialists help in debt resolution, credit management, score analysis and coaching, and strategic planning to achieve financial relief, and the company's credit management program delivers manual or automated reminders for timely payments. The staff works with attorneys to enhance consumer protection and manage related legal issues. One Good Credit offers consumer education and provides industry notes and reading resources.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Boston, MA 2134Free Credit Evaluation
Lexington Law
Boston, MAFree Credit Report Consultation
Bay State Credi Repair
1104 Main Street, Brockton, MA 02304
On Home Buying and Credit Repair
15 Vineyard St. Apt #404, Providence, RI 02907
American Consumer Credit Counseling, Inc.
130 Rumford Ave Ste 202, Auburndale, MA 02466
National Financial Credit Group
100 Grandview Rd Ste 310, Braintree, MA 02184
One Good Credit
245 Main St Ste 2, Brockton, MA 02301


  • How long does a repo stay on your credit report?

    A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

  • Do credit repair companies work?

    Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

  • How long does it take to repair credit?

    Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

    • Inaccurate late payment: 30-45 days
    • Inaccurate missed payment: 30-45 days
    • Numerous issues from multiple creditors: A few months
    • Fraud or identity theft: Several months to a year or more
    • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process
  • Can I repair my own credit?

    Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

  • Can credit repair companies remove charge offs?

    Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

  • Can credit repair companies remove bankruptcies?

    A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

  • Can a credit repair company remove late payments?

    Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

Related Articles


How To Hire A Credit Repair Company

Credit repair can improve your financial standing. Learn how to find a qualified credit repair expert who helps build up your...