Best Credit Repair Companies in Cranston


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African Credit Group LLC logo

African Credit Group LLC

225 Dyer St, Providence, RI 02903
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  • Credit Monitoring

African Credit Group LLC serves individuals in Cranston and the surrounding areas. It provides credit repair solutions with an assigned credit specialist who handles disputes, audit analysis, debt reconciliation, and credit building. It helps clients receive updates about the process through Credit Karma,, and Identity IQ monitoring systems. The firm conducts credit training to help clients learn about credit reports and financial management. African Credit Group has over six years of experience in the credit restoration business.

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Mass Credit Relief logo

Mass Credit Relief

1 Washington Mall #1140, Boston, MA 02108
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  • Credit Monitoring
  • Credit Audit

Mass Credit Relief assists Cranston residents to gain control of their finances. It caters to clients who wish to qualify for a home purchase, auto loan, credit card, or employment through comprehensive credit repair services. Its team provides in-depth credit report audit and credit-building assistance that help raise scores. With access to the three major credit bureaus, the team takes care of contacting and sending documents to them to dispute negative report items like collections, repossessions, late payments, charge-offs, and bankruptcies.

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Mr. Then Consulting LLC logo

Mr. Then Consulting LLC

255 Main St. Suite 201, Pawtucket, RI 02860
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  • Credit Dispute

Mr. Then Consulting LLC offers credit repair services to individuals and small businesses in Cranston and the surrounding areas. The company works with credit bureaus and the client's creditors to dispute negative report items and assists clients in increasing and maintaining their credit scores. It also provides credit analysis and consultation, as well as real-time status updates on credit reports and credit score improvements. CEO Carlos Ariel Then has been featured in Yahoo! Finance, Daily Penny Alerts, Townhall Finance, and Online Share Market News.

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Pagan Professional & Financial logo

Pagan Professional & Financial

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

Pagan Professional & Financial serves the self-employed and small business owners in Cranston. It provides credit repair services that help improve clients' chances of securing employment and getting loans from banks. The company also holds creditors and credit bureaus accountable for the laws by eliminating inaccurate information from credit reports. The woman-owned company works with car dealers, loan officers, and Realtors to help their clients improve their credit scores. Owner Keila J. Pagan also owns a small business with accounting industry experience.

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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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