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Find the Best Credit Repair Companies in Boston, MA

Having a bad credit or a low credit score puts you at a disadvantage when trying to obtain a loan or line of credit or even get a job. A credit repair company can help you with credit report disputes and strategies to pay down your debt. Boston.com has partnered with ConsumerAffairs to create this guide, comparing features and pricing to select the top six credit repair companies in Boston.

This content was created by a Boston.com partner. The editorial department of Boston.com had no role in writing, production, or display. Boston.com may be compensated for publishing this content and/or receive a commission on purchases of products or services described within the post.

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How to fix your credit in Boston

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Good credit history and a good credit score are central to achieving financial goals, including buying a home or vehicle, applying for credit cards or getting a loan at a favorable interest rate. When your credit reports have inaccuracies or negative information, a credit repair company can help with removals and counsel you on how to repair your credit. Credit repair is legal, and The Credit Repair Organizations Act defines the guidelines under which credit repair companies can operate.

There are four main ways to improve credit:

  • Credit consultation: Credit consultation and counseling by trained professionals can help you get out of debt and manage your money responsibly going forward. For example, a credit counselor can help you strategize which debts to pay off first. Many credit consultation companies are nonprofit organizations, and advice is tailored to your specific financial situation.
  • Credit report disputes: There are three credit bureaus whose reports affect your credit score: Equifax, Experian and TransUnion. Sometimes, credit reports have inaccuracies. If you see something you think is incorrect, you can file a dispute with the credit bureau for free. It will investigate the dispute and fix errors. It can take several rounds of disputes before an error is corrected. A credit repair company can help you identify inaccuracies on your credit report, dispute them and track progress.
  • Credit Monitoring: Credit monitoring looks for changes in your monthly credit reports and can alert you if new accounts and/or lines of credit are opened or if there’s been a change in your credit score. Routine monitoring helps protect your credit and your personal information. Most credit repair companies offer credit monitoring. You can also get it through one of the three credit bureaus; it comes with both free and paid services. In addition, some identity-theft protection companies also offer credit monitoring services.
  • Credit repayment strategies and debt settlement: Some creditors are open to negotiating debt if you offer a realistic timeline for repayment. Experienced debt settlement counselors know which creditors are likely to be open to this, and they can negotiate on your behalf. They may be successful getting late fees and other charges removed, and sometimes get interest rates lowered. Debt settlement is different from credit repair, so it’s important to ask your credit repair company upfront what they can and can’t help with.

How much does credit repair cost in Boston?

At the time of publishing, Boston credit repair services can start around $80 per month and range up to $200 or more. Here’s a breakdown of services and costs:

Boston credit repair averages

Service Price range*
Medium aggressive $79.99 to $99.95/mo.
High aggressive $99.99 to $119.95/mo.
Very high aggressive $119.00 to $139.95/mo.
Individual $120 to $129/mo.
Couples $199 to $200/mo.
First work fee $99 to $249 one-time

*At the time of publishing

Some factors affecting credit repair costs include:

  • Individual vs. couples repair: After you’re married, your credit history is still under your individual credit. If you or your partner need credit repair, you can repair your individual credit, which is beneficial if you’re looking to make a joint major purchase. If you both need repair services, some companies may offer a discount for multiple services.
  • Number of deletions included: Most companies charge a flat rate for deletions. This fee is incurred every time a deletion happens, so if you have numerous, you will pay that fee every time.
  • Lifetime membership options: Many credit repair companies charge a monthly fee. However, some may provide a lifetime membership option at a discounted rate. If you foresee needing several years of credit repair services, a lifetime membership may be beneficial. However, it can cost the most upfront.

Depending on how significant your repair needs are, you may be able to do some credit repair yourself to reduce costs.

Boston credit repair FAQ

How much does credit repair usually cost?
Credit repair cost varies based on your specific financial situation and needs. You can expect to pay up to $200 per month for credit repair in Boston. Additionally, most companies charge a one-time, first-work fee. Credit repair services are usually month-to-month and can be canceled anytime.
What is the quickest way to repair my credit?
There are some strategies to help repair credit quickly, including paying bills on time, disputing errors, limiting new account applications and catching up on past-due and collections accounts. If it is too much to manage on your own, working with a Boston credit repair company can help expedite the process.
Can I repair my credit myself?
There are some steps you can take to repair your credit without a credit repair company. You can review and monitor your credit reports and scores, dispute inaccuracies and pay down debts. Additionally, minding your credit utilization ratio (credit limit vs. credit used) can help you stay on top of your credit before it gets to the point of needing repair.
How long does it take to rebuild my credit?
Credit repair time depends on your specific financial situation and how serious the issues are. Repair time ranges from a few months to a few years, but taking steps to rebuild your credit is important.

Boston credit repair company information

Credit Saint

Credit Saint helps Boston clients with challenges to credit reports from the three main credit bureaus, creditor intervention, inquiry targeting and credit-score analysis. Free credit consultations are available. The first-work fee, a one-time charge, ranges from $99 to $195. Credit repair packages range from $79.99 to $119.99 per month. Credit Saint offers a 90-day, money-back guarantee.

Credit Saint Learn More (478) 845-6310

Lexington Law

Lexington Law offers credit-report analysis, disputing, dispute escalation and credit-score analysis, along with mentoring services. It offers tiered services that range from $99.95 to $139.95 per month. Each level has personalized coverage to help repair credit. Services can be canceled at any time. Lexington Law offers military and veteran discounts, including 50% off the first-work fee.

Lexington Law Learn More

Bay State Credit Repair

Bay State Credit Repair helps customers build credit while repairing negative credit history. Most clients can move on from the program after four to six months, but individual credit repair success times vary. Steps include evaluation, credit audit and repair services like disputes and error removals, plus coaching services. Bay State Credit Repair offers a low $1 per month membership fee for credit repair services and transparent charges of $25 per deletion. In addition to the monthly fee, a flat $997 lifetime membership fee applies. Bay State Credit Repair is located at 859 Willard St., Ste. 400, Quincy, MA 02169.

Bay State Credit Repair

All in One Advisors

All in One Advisors offers credit repair services, specializing in late payments, collections, student loans and inquiries. It offers a detailed 65+ day process, starting with a free consultation and enrollment. Programs are month-to-month and can be canceled at any time. During the repair process, you have access to identity-fraud monitoring and credit-report monitoring. After repair services have started and debt-validation letters are sent, All in One Advisors can help you add new credit to rebuild. It offers a six-month, money-back guarantee. Pricing is $129 per month for individuals, $199 per month for couples. The Boston location is at 867 Boylston St., Fifth Floor, Boston, MA 02116.

All in One Advisors

National Financial Credit Group

National Financial Credit Group specializes in credit repair for collections, student loans, judgments, bankruptcies, late payments, public records and tax liens. The repair process is designed to help you rebuild credit, manage money responsibly and eliminate debt. National Financial Credit Group has an online portal to track progress and explain results. There is a 100% guarantee on monthly payments if National Financial Credit Group can’t remove a single item. The local office is located at 100 Grandview Road, Ste. 310, Braintree, MA 02184.

National Financial Credit Group

Point Climbers Credit Restoration

Point Climbers Credit Restoration offers credit repair services to help with charge-offs, collections, late payments, repossessions, medical bills, bankruptcy and student loans. It also can help you reestablish and rebuild your credit after repair with credit coaching services. Consultations are free, and there is a 120-day, money-back guarantee. First-work fees range from $169 to $249, and packages are $120 per month for individuals, $200 per month for couples. Both packages have unlimited deletions.

Point Climbers Credit Restoration