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Best Credit Repair Companies in Lowell

2023

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Website
Lowell, MA
  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Repair
  • Credit Audit

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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

Price: Free Credit Evaluation

Lexington Law logo
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Lexington Law

Website
Lowell, MA
  • Consumer Credit Services
  • Credit Repair

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.

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 (2911)

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 Report Consultation

Website
Boston, MA 02108
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

The Credit Repair Pros caters to clients in Lowell and neighboring areas. It works to improve their credit score and corrects inaccuracies in reports acquired from Experian, TransUnion, and Equifax. The company looks for erroneous marks on bankruptcy, charge-offs, and tax liens. Its credit specialists dispute negative entries and ask debt collectors to stop bothering their clients. The Credit Repair Pros implements a method that has been giving long-term credit health to Massachusetts residents for many 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.
5.0
Google
5.0 / 5 (30)

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

Website
203 Church St Fl 2, Clinton, MA 01510
  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Why choose this provider?

Chaffin Financial offers credit repair solutions to clients throughout Lowell and the surrounding areas. Its credit counselors help individuals by requesting validation of debt, including documentation like Proof and Chain of Assignments, checking that the legalities concerning credit reporting are being followed, and legally disputing and challenging inaccurate, erroneous, and obsolete information from credit profiles. Additionally, the firm provides ongoing education to assist clients in maintaining their good credit standing. Other services include bookkeeping and custom financial advisory solutions.

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 (8)
Google
5.0 / 5 (5)

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

Website
333 Washington St STE 204, Boston, MA 02108
  • Credit Monitoring

Why choose this provider?

ASAP Credit Repair is a family-owned and family-operated company that caters to clients in Lowell and the surrounding metros. It opened its doors to the community in 2013, providing credit repair, restoration, education, and consultation services. Its professionals review the client's reports to create a plan and address the unverifiable items that affect their credit score. These items include repossessions, foreclosures, collections, bankruptcies, and judgments. They send dispute letters to credit bureaus to challenge the negative information and provide ongoing monitoring.

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.
4.6
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

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

Why choose this provider?

One Good Credit caters to individuals and businesses in Lowell and the surrounding communities who are in need of credit repair solutions. The company helps clients remove negative items from their credit reports from Experian, TransUnion, and Equifax. It also educates them on how to manage their credit and build their scores in order to reach their financial goals. One Good Credit also helps with debt resolution and offers financial consultation, score coaching, and strategic planning 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.
3.9
Google
3.7 / 5 (37)
Facebook
5.0 / 5 (6)

Website
15 Hollis St, Framingham, MA 01702
  • Debt Consolidation

Why choose this provider?

A1 Credit is a full-service company that serves clients in Lowell and nearby areas. It offers a wide range of services, from credit repair for individuals and business owners to debt settlement and credit reports. It takes advantage of vulnerabilities in the laws that regulate both credit bureaus and creditors to permanently get rid of negative credit on the clients' behalf. The firm's team of specialists has a combined industry experience of more than 10 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.
5.0
Facebook
5.0 / 5 (3)

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

Website
10 Ruby Cir, Haverhill, MA 01835
  • Credit Audit
  • Credit Dispute

Why choose this provider?

Credit Repair Options helps Lowell residents take back control of their finances through credit consultation, in-depth analysis, and recommendations services. The company's team of credit repair specialists works directly with the three major credit bureaus and their clients' creditors to challenge the negative items on their credit report for an increased credit score. They also partner with mortgage brokers, real estate agents, tax professionals, and auto dealers to help their credit-challenged clients increase their credit scores.

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
Google
4.3 / 5 (3449)

Website
1308 Belmont St, Brockton, MA 02301
  • Debt Consolidation
  • Credit Monitoring

Why choose this provider?

Depina Credit Solutions serves Lowell residents. Its consultants execute plans to help people fix and restore their credit situations. Their process entails reviewing and analyzing reports for any incorrect information and addressing negative items such as charge-offs, collections, foreclosures, late payments, public records, and repossessions directly with credit bureaus, creditors, and collection agencies. The team aims to boost clients’ scores to rebuild their profiles and improve their financial habits. Depina Credit Solutions was founded in 2012.

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 (279)
Facebook
5.0 / 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.
1.8
Responsiveness
Friendliness
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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.

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