Last updated:

Best Credit Repair Companies in Worcester, MA

Our Recommended Top 8

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 Worcester 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.



8Top Picks

Learn about our selection process.


featured provider = Featured Provider

Worcester, MA Rating

Review Sources

4.8 (10602)
2.2 (30)

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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


Worcester, MA
Free Credit Report Consultation Rating

Review Sources

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

203 Church Street, Clinton, MA 01510 Rating

Review Sources

5.0 (4)

Why choose this provider?

Chaffin Financial is a financial services company that serves clients in Worcester. The company provides credit repair services, like credit analysis, monitoring, and restoration. It also educates clients on debt management, taxes, financial analysis, and real estate through seminars and classes. Individuals and small businesses can also benefit from the company's bookkeeping services. It additionally assists with budgeting, financial counseling, and home buying. The company's owner, Casey Chaffin, has over eight years of experience with credit consulting and education.

  • Debt Consolidation
  • Credit Audit

237 Park Avenue, Worcester, MA 01609 Rating

Review Sources

5.0 (1)

Why choose this provider?

Alpha Credit Services, Inc., is a credit repair company serving clients in Worcester and the surrounding areas. It helps clients improve their credit scores and correct report errors by providing a comprehensive plan to improve their FICO scores. Its experts also and help clients file complaints thru the Consumer Financial Protection Bureau. They also remove negative information, such as repossessions, foreclosures, late payments, and medical bills. Moreover, Alpha Credit Services use USPS certified mail to enforce the client's consumer rights.

1308 Belmont Street, Brockton, MA 02301 Rating

Review Sources

5.0 (300)
5.0 (85)

Why choose this provider?

Depina Credit Solutions is a credit repair company that serves Worcester and the surrounding areas. The company conducts credit reviews to assess clients' credit reports and identify possibly erroneous, outdated, or unverifiable information. Afterward, it files a dispute with the corresponding credit bureaus, removing anything that the bureaus cannot verify. The company is owned by Arthur Depina, author of the book Unlocking Your Credit. His mission is to help people improve their credit to increase their chances of owning a home.

  • Debt Consolidation

15 Hollis Street, Framingham, MA 01702 Rating

Review Sources

5.0 (1)

Why choose this provider?

A1 Credit provides solutions regarding personal credit issues in the Worcester area. For more than 10 years, it has been helping clients with credit problems, such as charge-offs, judgments, liens, inquiries, repossessions, and bankruptcies. It also assists them in matters like credit reports and debt settlement. In addition, the company's team of experienced professionals specializes in business credit. It guides its commercial customers for them to avoid bad credit decisions and build a better credit line.

  • Debt Consolidation
  • Credit Monitoring
  • Credit Dispute

100 Grandview Road, Braintree, MA 02184 Rating

Review Sources

5.0 (70)
5.0 (26)

Why choose this provider?

National Financial Credit Group is a credit repair agency that has been serving residents in the Worcester and Braintree areas for over a decade. Its mission is to help its clients revitalize their credits, manage their finances, and achieve their short- and long-term financial goals. Its services are inclusive of credit evaluation and auditing, credit improvement education, financial strategy curation, and foreclosure and bankruptcy prevention. Additionally, the National Financial Credit Group team is capable of assisting Portuguese- and Spanish-speaking clients.

  • Credit Dispute

859 Willard Street, Quincy, MA 02169 Rating

Review Sources

5.0 (89)
5.0 (52)

Why choose this provider?

Bay State Credit Repair helps individuals in Worcester repair and improve their credit scores. The company's advisors walk clients through auditing their respective credit scores to determine which items need to be disputed according to consumer protection laws. They can draft customized dispute letters for collections, foreclosures, and late payments that may affect an individual's credit score. The firm also consists of credit specialists who can provide sound advice about achieving their financial goals and leveraging their credit scores.

  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Worcester, MAFree Credit Evaluation
Lexington Law
Worcester, MAFree Credit Report Consultation
Chaffin Financial
203 Church Street, Clinton, MA 01510
Alpha Credit Services, Inc.
237 Park Avenue, Worcester, MA 01609
Depina Credit Solutions
1308 Belmont Street, Brockton, MA 02301
A1 Credit
15 Hollis Street, Framingham, MA 01702
National Financial Credit Group
100 Grandview Road, Braintree, MA 02184
Bay State Credit Repair
859 Willard Street, Quincy, MA 02169


  • 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...