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Best Credit Repair Companies in Lowell

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A1 Credit logo

A1 Credit

15 Hollis St, Framingham, MA 01702
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  • Debt Consolidation

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.

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ASAP Credit Repair logo

ASAP Credit Repair

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

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.

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Chaffin Financial logo

Chaffin Financial

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

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.

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Credit Repair Options logo

Credit Repair Options

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

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.

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Depina Credit Solutions logo

Depina Credit Solutions

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

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.

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One Good Credit logo

One Good Credit

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

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.

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The Credit Repair Pros logo

The Credit Repair Pros

Boston, MA 02108
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  • Credit Monitoring
  • Credit Audit

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.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: 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.

Q: Is credit repair legal?

A: 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.

Q: Can a credit repair company remove late payments?

A: 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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