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Best Credit Repair Companies in Fall River, 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 Fall River 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

Fall River, MA 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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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.

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


Fall River, 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.

  • Credit Repair
  • Consumer Credit Services

225 Dyer St, Providence, RI 02903 Rating

Why choose this provider?

African Credit Group, LLC, serves veterans and first responders in Fall River who are planning on applying for a loan, buying a car, or forming a business. It offers credit education. The company takes care of credit reports to address matters concerning bankruptcies, charge-offs, tax liens, repossessions, and foreclosures. In addition, its team of professionals is versed in navigating the Fair Credit Reporting Act, a law that enables individuals to dispute inaccuracies in medical records, late payments, inquiries, and collections.

  • Credit Monitoring

Cranston, RI 02910 Rating

Review Sources

5.0 (1)

Why choose this provider?

Vega Credit Resources is a professional credit repair and restoration firm that helps clients in Fall River and the neighboring areas. The firm offers personalized and confidential credit assistance by working with credit bureaus and challenging inaccurate and unverifiable negative accounts that affect clients' credit profiles. After scores have improved, the firm continues to monitor and update clients to enable them to maintain their good credit standing. The company maintains an online portal where clients can track their credit score's progress.

  • Credit Monitoring
  • Credit Audit

404 Smithfield Ave Suite 1, Pawtucket, RI 02860 Rating

Why choose this provider?

Pagan Professional & Financial caters to customers in the Fall River metro and the surrounding areas. It helps clients improve their credit scores by offering credit repair solutions. It also provides education on how they can prevent credit-related problems in the future. In addition, the company handles bookkeeping training, business coaching, and tax preparation and planning. Pagan Professional & Financial serves a diverse clientele, including entrepreneurs, self-employed individuals, and small business owners. Keila Pagán, the owner, can also provide her services in Spanish.

  • Credit Monitoring

428 Pleasant Street, Fall River, MA 02721 Rating

Why choose this provider?

Autoloan Credit Express serves individuals and families in Fall River and nearby areas. It offers credit repair solutions covering issues such as bankruptcy, divorce, foreclosure, and repossession. It has different program types to meet the different needs of each client, including a first-time buyer's program and a down payment assistance program. The company has a bankruptcy program that works with chapters 7 and 13 bankruptcies and helps rebuild the clients' financial future. Autoloan Credit Express also helps with automotive financing.

  • Credit Monitoring

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

Review Sources

5.0 (14)

Why choose this provider?

Since 2008, On Home Buying and Credit Repair has been helping consumers in Fall River and the surrounding areas gain control of their finances. By utilizing a methodical resolution process, the firm helps clients improve their credit scores and achieve their goals of getting big loans from banks or purchasing a home. Its team works with the three major credit bureaus to have the negative report items of the client removed. Owner Ed St. Onge was a former litigation lawyer for 37 years.

  • Credit Audit
  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Fall River, MAFree Credit Evaluation
Lexington Law
Fall River, MAFree Credit Report Consultation
African Credit Group LLC
225 Dyer St, Providence, RI 02903
Vega Credit Resources
Cranston, RI 02910
Pagan Professional & Financial
404 Smithfield Ave Suite 1, Pawtucket, RI 02860
Autoloan Credit Express
428 Pleasant Street, Fall River, MA 02721
On Home Buying and Credit Repair
15 Vineyard St. Apt #404, Providence, RI


  • 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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