Best Credit Repair Companies in Fall River

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African Credit Group LLC logo
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African Credit Group LLC

225 Dyer St, Providence, RI 02903
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  • Credit Monitoring

Business Description

African Credit Group, LLC, serves veterans and first responders in Fall River who are planning on applying for a loan, buying a car, or forming a business. It offers credit education. The company takes care of credit reports to address matters concerning bankruptcies, charge-offs, tax liens, repossessions, and foreclosures. In addition, its team of professionals is versed in navigating the Fair Credit Reporting Act, a law that enables individuals to dispute inaccuracies in medical records, late payments, inquiries, and collections.

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 (18)
Autoloan Credit Express logo
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Autoloan Credit Express

428 Pleasant Street, Fall River, MA 02721
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  • Credit Monitoring

Business Description

Autoloan Credit Express serves individuals and families in Fall River and nearby areas. It offers credit repair solutions covering issues such as bankruptcy, divorce, foreclosure, and repossession. It has different program types to meet the different needs of each client, including a first-time buyer's program and a down payment assistance program. The company has a bankruptcy program that works with chapters 7 and 13 bankruptcies and helps rebuild the clients' financial future. Autoloan Credit Express also helps with automotive financing.

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
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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
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  • Credit Audit
  • Credit Dispute

Business Description

Since 2008, On Home Buying and Credit Repair has been helping consumers in Fall River and the surrounding areas gain control of their finances. By utilizing a methodical resolution process, the firm helps clients improve their credit scores and achieve their goals of getting big loans from banks or purchasing a home. Its team works with the three major credit bureaus to have the negative report items of the client removed. Owner Ed St. Onge was a former litigation lawyer for 37 years.

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
Pagan Professional & Financial logo
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Pagan Professional & Financial

404 Smithfield Ave Suite 1, Pawtucket, RI 02860
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  • Credit Monitoring

Business Description

Pagan Professional & Financial caters to customers in the Fall River metro and the surrounding areas. It helps clients improve their credit scores by offering credit repair solutions. It also provides education on how they can prevent credit-related problems in the future. In addition, the company handles bookkeeping training, business coaching, and tax preparation and planning. Pagan Professional & Financial serves a diverse clientele, including entrepreneurs, self-employed individuals, and small business owners. Keila Pagán, the owner, can also provide her services in Spanish.

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 (2)
Facebook
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
Vega Credit Resources logo
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Vega Credit Resources

Cranston, RI 02910
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  • Credit Monitoring
  • Credit Audit

Business Description

Vega Credit Resources is a professional credit repair and restoration firm that helps clients in Fall River and the neighboring areas. The firm offers personalized and confidential credit assistance by working with credit bureaus and challenging inaccurate and unverifiable negative accounts that affect clients' credit profiles. After scores have improved, the firm continues to monitor and update clients to enable them to maintain their good credit standing. The company maintains an online portal where clients can track their credit score's progress.

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
5.0 / 5 (2)
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
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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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