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Best Credit Repair Companies in Cambridge, 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 Cambridge 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.

80Reviewed

50Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Cambridge, MA

Expertise.com Rating

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

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

Lexington LawExpertise.com

Cambridge, MA
Free Credit Report Consultation

Expertise.com Rating

Review Sources

Facebook
4.3 (2911)

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

245 Main Street, 2nd Floor, Brockton, MA 02301

Expertise.com Rating

Review Sources

Google
5.0 (205)
Facebook
5.0 (5)

Why choose this provider?

One Good Credit assists Cambridge residents in rebuilding their creditworthiness by eliminating negative items from their reports and educating them on how to manage their scores. It assesses the debt and credit status and goals of each client. It also advises them on how to deal with debt collectors who engage in illegal collection practices. As a consumer credit advocate, One Good Credit aims to protect people from threats such as identity theft. The company accepts requests for speaking engagements.

  • Debt Consolidation

177 Huntington Avenue Suite 1703 #50552, Boston, MA 02115

Expertise.com Rating

Review Sources

Google
4.1 (703)
Facebook
4.0 (213)

Why choose this provider?

For more than 12 years, Key Credit Repair has been helping Cambridge clients rebuild their credit standing to be able to get qualified for home purchases, car loans, or new credit cards. Its team works with the three major credit bureaus and creditors to dispute, appeal, or validate negative items like collections, charge-offs, tax liens, judgments, and late payments from the clients' credit reports. The firm was featured on The Boston Globe, Fox News, and Real Estate Radio Network.

  • Credit Monitoring

Boston, MA

Expertise.com Rating

Why choose this provider?

The Credit Repair Pros assists the locals of Cambridge in restoring their creditworthiness. Drawing from years of experience, its staff members implement strategies that help individuals achieve a good credit status. They assess reports to spot inaccurate marks, such as charge-offs, bankruptcies, and tax liens. Then, they create plans for sending letters to dispute errors and validate data. The team also handles the forwarding of correspondence in requesting debtors to cease their collections. Other services also cover credit restoration education.

  • Credit Monitoring

1 Washington Mall, 1105, Boston, MA 02108

Expertise.com Rating

Review Sources

Google
5.0 (6)
Facebook
5.0 (2)

Why choose this provider?

New Leaf Consultants is a credit restoration firm that serves business owners, families, and individuals in Cambridge and nearby locations. It offers credit repair solutions to help clients achieve their financial goals. The company creates personalized plans to remove customers' negative credit histories, including debt, credit mix, balance, account, and utilization issues. It works with collector agencies, creditors, and credit bureaus to validate and verify incorrect information. New Leaf Consultants is certified by the Credit Consultants Association.

  • Credit Audit

333 Washington St Ste 204, Boston, MA 02108
Website

Expertise.com Rating

Review Sources

Facebook
4.6 (401)
Google
5.0 (1)

Why choose this provider?

ASAP Credit Repair is a family-owned and family-operated company that caters to customers in the Cambridge metro and the surrounding areas. It helps rebuild credit scores by offering repair solutions. Its process involves obtaining the clients' credit reports and building a plan that addresses the negative items listed, teaching them how to keep the scores high, challenging the incorrect items, and providing continuous monitoring and support. ASAP Credit Repair has been in the business since 2013.

  • Credit Monitoring
  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Cambridge, MAFree Credit Evaluation
Lexington Law
Cambridge, MAFree Credit Report Consultation
One Good Credit
245 Main Street, 2nd Floor, Brockton, MA 02301
Key Credit Repair
177 Huntington Avenue Suite 1703 #50552, Boston, MA 02115
The Credit Repair Pros
Boston, MA
New Leaf Consultants
1 Washington Mall, 1105, Boston, MA 02108
ASAP Credit Repair
333 Washington St Ste 204, Boston, MA 02108

FAQs

  • 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.

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