Last updated:

Best Credit Repair Companies in Providence, RI

Our Recommended Top 6

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 Providence 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.



6Top Picks

Learn about our selection process.


featured provider = Featured Provider

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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


Providence, RI
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.

  • Credit Repair
  • Consumer Credit Services

1308 Belmont Street, Brockton, MA 02301 Rating

Review Sources

5.0 (249)
5.0 (51)

Why choose this provider?

Depina Credit Solutions is a national credit counseling and coaching business assisting customers in Providence get back financially on track. It comprises credit experts who investigate any incorrect, unverifiable, and outdated information on the clients' credit reports. They have experience in handling different types of financial circumstances with collectors, creditors, and credit bureaus. Its credit restoration programs include credit review, credit repair, and credit building. Depina Credit Solutions helps remove various bad credit records, including repossessions, foreclosures, charge-offs, and late payments.

  • Credit Monitoring
  • Credit Audit

15 Vineyard Street, Providence, RI 02907 Rating

Why choose this provider?

Credit Repair Coach is a company that provides credit repair and financial coaching services in Providence and other communities. It evaluates its clients' current credit situation and creates tailormade solutions that aim to improve or restore their credit scores. It also helps eliminate negative entries in credit reports by preparing letters, arguments, and agreements needed for compliance with banks and credit bureaus. The company's owner, Edward St. Onge, has been a litigation lawyer for over 37 years.

  • Credit Dispute
  • Unconditional Money Back Guarantee

100 Grandview Rd 310, Braintree, MA 02184 Rating

Review Sources

5.0 (59)
5.0 (9)

Why choose this provider?

National Financial Credit Group is a credit restoration firm that serves Providence. The company provides a six-step credit repair process designed to raise its clients' credit scores. It also offers a range of financial services that include bankruptcy prevention, foreclosure prevention, financial strategy creation, credit evaluation & auditing, and credit improvement techniques. It also deals with tax liens, identity theft, and negative accounts. The team can communicate in English, Spanish, and Portuguese.

  • Credit Audit

859 Willard Street, Quincy, MA 02169 Rating

Review Sources

5.0 (99)
5.0 (98)

Why choose this provider?

Bay State Credit Repair is a local business that helps improve the credit scores of clients in Providence. The credit experts at the company are committed to educating clients on how to achieve financial literacy and responsibility. Some items that they look into include charge-offs, collections, late payments, tax liens, and medical bills. The company’s credit repair restoration solutions involve evaluation of credit reports, dispute of erroneous items, and escalation of disputes.

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Providence, RIFree Credit Evaluation
Lexington Law
Providence, RIFree Credit Report Consultation
Depina Credit Solutions
1308 Belmont Street, Brockton, MA 02301
Credit Repair Coach
15 Vineyard Street, Providence, RI 02907
National Financial Credit Group
100 Grandview Rd 310, 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...