Best Credit Repair Companies in Lynn

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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 Dispute

Business Description

Point Climbers Credit Restoration caters to individuals in Lynn and the surrounding communities who wish to improve their creditworthiness. To increase the clients' chances of getting their mortgage loans and premium credit card applications approved, the company repairs their reports and coaches them on ways to maintain a positive score. As part of its credit rehabilitation process, it negotiates with creditors and challenges bankruptcies, charge-offs, collections, inquiries, late payments, and repossessions from the customer's profile. It also deals with medical debts and student loans.

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
5.0 / 5 (10)
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
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Point Climbers Credit Restoration

The Credit Repair Pros logo
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The Credit Repair Pros

Boston, MA
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  • Credit Dispute

Business Description

The Credit Repair Pros serves individuals in Lynn who need assistance in correcting inaccuracies in their reports. To help clients obtain a financial standing that employers and financers may trust, its agents look for questionable items on reports, such as late payments, credit card debt, and hard inquiries. They create customized plans to communicate with credit bureaus and creditors in validating data, correcting errors, and requesting to cease debt collections. The team also educates clients on how to have lasting creditworthiness.

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
Visit Website

The Credit Repair Pros

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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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