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Best Credit Repair Companies in Worcester

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A1 Credit logo

A1 Credit

15 Hollis Street, Framingham, MA 01702
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  • Debt Consolidation
  • Credit Monitoring
  • Credit Dispute

A1 Credit provides solutions regarding personal credit issues in the Worcester area. For more than 10 years, it has been helping clients with credit problems, such as charge-offs, judgments, liens, inquiries, repossessions, and bankruptcies. It also assists them in matters like credit reports and debt settlement. In addition, the company's team of experienced professionals specializes in business credit. It guides its commercial customers for them to avoid bad credit decisions and build a better credit line.

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Alpha Credit Services, Inc. logo

Alpha Credit Services, Inc.

237 Park Avenue, Worcester, MA 01609
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Alpha Credit Services, Inc., is a credit repair company serving clients in Worcester and the surrounding areas. It helps clients improve their credit scores and correct report errors by providing a comprehensive plan to improve their FICO scores. Its experts also and help clients file complaints thru the Consumer Financial Protection Bureau. They also remove negative information, such as repossessions, foreclosures, late payments, and medical bills. Moreover, Alpha Credit Services use USPS certified mail to enforce the client's consumer rights.

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Bay State Credit Repair logo

Bay State Credit Repair

859 Willard Street, Quincy, MA 02169
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  • Credit Audit

Bay State Credit Repair helps individuals in Worcester repair and improve their credit scores. The company's advisors walk clients through auditing their respective credit scores to determine which items need to be disputed according to consumer protection laws. They can draft customized dispute letters for collections, foreclosures, and late payments that may affect an individual's credit score. The firm also consists of credit specialists who can provide sound advice about achieving their financial goals and leveraging their credit scores.

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Chaffin Financial logo

Chaffin Financial

203 Church Street, Clinton, MA 01510
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  • Debt Consolidation
  • Credit Audit

Chaffin Financial is a financial services company that serves clients in Worcester. The company provides credit repair services, like credit analysis, monitoring, and restoration. It also educates clients on debt management, taxes, financial analysis, and real estate through seminars and classes. Individuals and small businesses can also benefit from the company's bookkeeping services. It additionally assists with budgeting, financial counseling, and home buying. The company's owner, Casey Chaffin, has over eight years of experience with credit consulting and education.

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Clifford, MacLean And Associates logo

Clifford, MacLean And Associates

62 Borkum Road, Spencer, MA 01562
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  • Credit Dispute

Clifford, Maclean And Associates is a credit repair company that serves Worcester. It examines credit reports and creates a customized plan that aims to increase its clients' credit scores. It provides removal services that eliminate all inquiries that are not connected with a client's open active accounts. Its team of credit specialists deals with credit bureaus and disputes negative items in credit reports . These items include late payments, charge-offs, student loans, and child support. The company has resolved 1,265 credit files.

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Credit Conversion logo

Credit Conversion

1 Kiddie Drive, Avon, MA 02322
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  • Credit Monitoring
  • Credit Audit

Credit Conversion is a credit repair company that has been serving Worcester since 2013. It helps individuals struggling with low credit scores by disputing and removing inaccurate information from credit reports. It also creates a personalized analysis report with recommendations and offers training on how to maintain better scores. Credit conversion consultation is available to guide clients in attaining their credit goals. Credit Conversion has worked with hundreds of consumers across the country. It aims to deliver its mission of providing credit score improvement and sustainability solutions.

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Depina Credit Solutions logo

Depina Credit Solutions

1308 Belmont Street, Brockton, MA 02301
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  • Debt Consolidation

Depina Credit Solutions is a credit repair company that serves Worcester and the surrounding areas. The company conducts credit reviews to assess clients' credit reports and identify possibly erroneous, outdated, or unverifiable information. Afterward, it files a dispute with the corresponding credit bureaus, removing anything that the bureaus cannot verify. The company is owned by Arthur Depina, author of the book Unlocking Your Credit. His mission is to help people improve their credit to increase their chances of owning a home.

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National Financial Credit Group logo

National Financial Credit Group

100 Grandview Road, Braintree, MA 02184
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  • Credit Dispute

National Financial Credit Group is a credit repair agency that has been serving residents in the Worcester and Braintree areas for over a decade. Its mission is to help its clients revitalize their credits, manage their finances, and achieve their short- and long-term financial goals. Its services are inclusive of credit evaluation and auditing, credit improvement education, financial strategy curation, and foreclosure and bankruptcy prevention. Additionally, the National Financial Credit Group team is capable of assisting Portuguese- and Spanish-speaking clients.

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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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