Best Credit Repair Companies in Cambridge

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Credit Saint logo
FEATURED

Credit Saint

Cambridge, MA
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Business Description

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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

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
Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

Cambridge, MA

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.
4.4
Facebook
4.4 / 5 (3042)
Google
4.2 / 5 (557)

Price: Free Credit Report Consultation

ASAP Credit Repair logo
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ASAP Credit Repair

333 Washington St Ste 204, Boston, MA 02108
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  • Credit Monitoring
  • Credit Audit

Business Description

ASAP Credit Repair is a family-owned and family-operated company that caters to customers in the Cambridge metro and the surrounding areas. It helps rebuild credit scores by offering repair solutions. Its process involves obtaining the clients' credit reports and building a plan that addresses the negative items listed, teaching them how to keep the scores high, challenging the incorrect items, and providing continuous monitoring and support. ASAP Credit Repair has been in the business since 2013.

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
Facebook
4.6 / 5 (263)
Google
5.0 / 5 (1)

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
Key Credit Repair logo
Visit WebsiteWebsite

Key Credit Repair

177 Huntington Avenue Suite 1703 #50552, Boston, MA 02115
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  • Credit Monitoring

Business Description

For more than 12 years, Key Credit Repair has been helping Cambridge clients rebuild their credit standing to be able to get qualified for home purchases, car loans, or new credit cards. Its team works with the three major credit bureaus and creditors to dispute, appeal, or validate negative items like collections, charge-offs, tax liens, judgments, and late payments from the clients' credit reports. The firm was featured on The Boston Globe, Fox News, and Real Estate Radio Network.

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.
4.0
Facebook
3.8 / 5 (113)

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
New Leaf Consultants logo
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New Leaf Consultants

1 Washington Mall, 1105, Boston, MA 02108
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  • Credit Audit

Business Description

New Leaf Consultants is a credit restoration firm that serves business owners, families, and individuals in Cambridge and nearby locations. It offers credit repair solutions to help clients achieve their financial goals. The company creates personalized plans to remove customers' negative credit histories, including debt, credit mix, balance, account, and utilization issues. It works with collector agencies, creditors, and credit bureaus to validate and verify incorrect information. New Leaf Consultants 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.
5.0
Google
5.0 / 5 (6)
Facebook
5.0 / 5 (2)

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
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One Good Credit

245 Main Street, 2nd Floor, Brockton, MA 02301
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  • Debt Consolidation

Business Description

One Good Credit assists Cambridge residents in rebuilding their creditworthiness by eliminating negative items from their reports and educating them on how to manage their scores. It assesses the debt and credit status and goals of each client. It also advises them on how to deal with debt collectors who engage in illegal collection practices. As a consumer credit advocate, One Good Credit aims to protect people from threats such as identity theft. The company accepts requests for speaking engagements.

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 (205)
Facebook
5.0 / 5 (5)
Point Climbers Credit Restoration logo
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Point Climbers Credit Restoration

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

Business Description

Point Climbers Credit Restoration caters to customers in the Cambridge metro and the surrounding communities. Its team offers credit repair services, which help individuals to get approved for cars, houses, and premium credit cards. Its process involves analyzing the clients' credit reports and challenging the negative items listed. These include bankruptcies, charge-offs, collections, inquiries, late payments, and student loans. Medical bills and repossessions are also included. The company 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
4.1 / 5 (59)

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
The Credit Repair Pros logo
Visit WebsiteWebsite

The Credit Repair Pros

Boston, MA
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  • Credit Monitoring

Business Description

The Credit Repair Pros assists the locals of Cambridge in restoring their creditworthiness. Drawing from years of experience, its staff members implement strategies that help individuals achieve a good credit status. They assess reports to spot inaccurate marks, such as charge-offs, bankruptcies, and tax liens. Then, they create plans for sending letters to dispute errors and validate data. The team also handles the forwarding of correspondence in requesting debtors to cease their collections. Other services also cover credit restoration education.

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

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
Back to Providers

Frequently Asked Questions

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.

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.

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.

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