Expertise.com

2024

Last updated:

Best Credit Repair Companies in Brockton

Our Recommended Top 5

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 Brockton 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.

71Reviewed

44Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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

Lexington LawExpertise.com

Brockton, MA
Free Credit Report Consultation

Expertise.com 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.

  • Consumer Credit Services
  • Credit Repair

333 Warren Avenue, Suite 1, Brockton, MA 02301

Expertise.com Rating

Review Sources

Facebook
4.4 (27)

Why choose this provider?

DeAndrade Tax is a Brockton-based business that has been in service since 2005. It offers credit repair services and caters to clients looking to obtain loans to fund education and major purchases such as cars and homes. Its staff also files personal income tax returns and advises clients on real estate transactions involving residential properties, short sales, and foreclosures. In addition, DeAndrade Tax furnishes life insurance plans. With access to policies from multiple providers, its team is able to find suitable coverage options for clients.

  • Credit Monitoring

45 Dan Rd. Ste. 125, Canton, MA 02021

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

780 Credit Pro helps clients in and around Brockton achieve their financial goals through credit repair services. The process starts with an audit, where analysts will review a client's credit report, remove unverifiable accounts, and identify negative items like tax liens and repossessions. The company helps set goals so that credit issues are cleared in a timely manner, writing to creditors and credit agencies about appeals and goodwill intervention. The company also offers credit education for clients to help them better understand their financial situation.

4 Taunton Street, Suite 5, Plainville, MA 02762

Expertise.com Rating

Review Sources

Facebook
5.0 (20)

Why choose this provider?

American Credit Counseling Service is a locally operated non-profit organization that has been serving the residents of Brockton and the surrounding areas for more than three decades. With Certified Credit Counselors on its staff, it helps individuals establish and maintain good credit histories. Other services it provides include budgeting, debt mediation, debt management, and bankruptcy prevention. In addition, it holds financial education workshops and seminars. The company is partnered with the non-profit organization United Way.

  • Credit Monitoring

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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