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Best Credit Repair Companies in Boston

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Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

Boston, MA 2134
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  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (5317)
Yelp
2.5 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free credit evaluation

Quintus Group logo
FEATURED
Visit WebsiteWebsite
Free Consultation

Quintus Group

867 Boylston St Floor 5, Boston, MA 02116
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  • Credit Audit
  • Credit Dispute
  • Realtor
  • Financial Services
  • Credit building
  • Credit Monitoring
  • Money Back Guarantee
  • Credit Restoration
  • Credit Repair
  • Real estate agent

Business Description

Based in Boston, Quintus Group caters to clients throughout the metro. The company helps individuals improve their credit scores by filing aggressive dispute letters against creditors, challenging derogatory information involving areas like late payments and student loans. It uses SmartCredit, a software platform, to monitor signs of identity fraud. The company also works with insurance firms and real estate agents to assist clients with auto insurance and home selling concerns. It offers special programs for college students, health workers, and veterans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (39)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Consultation

Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

Boston, MA
  • Credit Repair
  • Consumer Credit Services

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.3 / 5 (2869)
Yelp
1.5 / 5 (7)

Price: Free Credit Report Consultation

American Consumer Credit Counseling, Inc. logo
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American Consumer Credit Counseling, Inc.

130 Rumford Ave Ste 202, Auburndale, MA 02466
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Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (415)
Facebook
4.9 / 5 (54)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Bay State Credi Repair logo
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Bay State Credi Repair

1104 Main Street, Brockton, MA 02304
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Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (89)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
National Financial Credit Group logo
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National Financial Credit Group

100 Grandview Rd Ste 310, Braintree, MA 02184
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Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (66)
Facebook
5.0 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
On Home Buying and Credit Repair logo
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On Home Buying and Credit Repair

15 Vineyard St. Apt #404, Providence, RI 02907
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  • Credit Monitoring

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
One Good Credit logo
Visit WebsiteWebsite

One Good Credit

245 Main St Ste 2, Brockton, MA 02301
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Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (14)
Point Climbers Credit Restoration logo
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Point Climbers Credit Restoration

Washington Mall #1221, Boston, MA 02108
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  • Credit Monitoring

Business Description

Point Climbers Credit Restoration is a full-service firm serving the financial guidance needs of the Boston metro and surrounding areas. It assists clients in repairing their credit reports due to collections, student loans, bankruptcy, late payments, medical bills, and charge-offs. It specialists devise action plans to meet goals, provide credit building tools, challenge negative information on credit reports, conduct coaching on budget management, and coordinate with credit bureaus. The firm is certified by the Credit Consultants Association.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Facebook
4.5 / 5 (57)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

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.

Is credit repair legal?

Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

How do you repair credit after identity theft?

Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

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