1
AI-Driven Credit Repair
The Credit Pros logo

The Credit Pros
    • The Credit Pros has been in business for more than 10 years.
    • Provides one-on-one consultations with a Certified FICO® Professional, unlimited dispute letters, debt validation letters to creditors, goodwill letters to creditors and cease and desist letters to collection agencies.
    • 3 credit repair packages to choose from, with the lowest package priced at just $69/month plus a $119 sign-up fee.
    • All packages include 24/7 access to a client portal, as well as ID Cover Darkweb monitoring, TransUnion alerts, real-time account sync, bill reminder and a budgeting system.
    • A streamlined sign-up process only takes 90 seconds.
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2
In Business Since 1989
Sky Blue Credit logo

Sky Blue Credit
    • Sky Blue has been in business since 1989, which says a lot about the company.
    • Condition-free 90-day refund policy
    • One tier service takes the guesswork out of choosing a package that is right for you.
    • Priced at just $79 per month, and $40/month for additional members, Sky Blue is an extremely affordable option for credit repair.
    • Every single feature is included in the $79/month package, including Pro Analysis, 35-day dispute cycle, customized dispute and re-dispute letters, score assistance, debt validation, goodwill letters, cease and desist letters, credit rebuilding, and access to phone support.
    • Ability to pause the membership for a month if needed
    • Includes a couple’s discount, with the total monthly cost for a couple at just $119/month.
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3
Almost 1.5 Million Credit Issues Removed
The Credit People logo

The Credit People
    • The Credit People has been in business for over 15 years and has had nearly 1.5 million credit issues removed for their customers.
    • Provides your credit reports and scores when you begin working with them.
    • Includes access to all 3 credit reports and scores
    • Provides a 24/7 online account access for easy credit management
    • Could help you with credit report issues such as late payments, collections, charge-offs, foreclosure, repossessions, bankruptcies, tax liens, judgements and more.
    • Provides a free credit evaluation so that you can see if The Credit People are a good fit for you.
    • Includes live customer service through phone, chat or email
    • Offers a satisfaction guarantee where you can cancel at any time and not be charged for that month, plus get a refund for the prior month’s payment.
    • Pricing is either $79/month or $419 for 6 months, with all of the features and services included.
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4
24/7 Phone Support
Pyramid Credit Repair logo

Pyramid Credit Repair
    • Pyramid Credit Repair has 10+ years of experience in fixing credit.
    • Provides 24/7 phone support and dedicated account managers, making it easier to work with them and ask any questions
    • Includes a free credit repair evaluation
    • Individual start at a competitive $79/month, though the couple’s package is $299/month, making it significantly more expensive than what some of the other credit repair companies offer for couples.
    • Includes an online dashboard, monthly progress reports, creditor interventions, score analysis, custom dispute process, text and email alerts and more.
    • Offers a 90-day money back guarantee.
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5
BBB Accredited
Credit Saint logo

Credit Saint
    • Credit Saint has been in business for 15+ years and is a BBB accredited credit repair company
    • Includes a 90-day money back guarantee
    • Includes a free credit consultation
    • 3 credit repair packages to choose from: Credit Polish, Credit Remodel and Credit Premium, with prices ranging from $79.99/month to $119.99/month, plus an initial work fee.
    • All packages include a score tracker and a score analysis
    • All packages include an online dashboard with full analysis and progress reports.
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6
CreditRepair.com logo

CreditRepair.com
    • Has helped with over 7.5 million removals on behalf of their members since 2012.
    • Has sent more than 23 million disputes and challenges on behalf of their members.
    • Provides a free consultation where you learn your credit score, negative item summary and recommended credit solutions
    • Pricing starts at just $49.95, making CreditRepair.com one of the most affordable credit repair options.
    • Works with all 3 credit bureaus.
    • Provides ID Theft Insurance, FICO® score update, bureau challenges and disputes, creditor interventions, a personal online dashboard, score tracker and analysis, email and text alerts and more.
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7
Most Clients Served
Lexington Law logo

Lexington Law
    • Includes a free credit report consultation.
    • Has been helping people fix their credit since 2004.
    • Lexington Law has had an astonishing 77 million items removed from their customers’ credit reports.
    • While not all credit repair companies are lawyers, Lexington Law is a law firm.
    • Provides 3 levels of credit repair: Concord Standard, Concord Premier and Premier Plus.
    • According to their website, 77% of their clients who have had their credit scores improved saw an average increase of 40 points.
    • Provides a military and spouse discount.
    • Includes Fraud Alert and Identity Protection
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Cultivating good credit takes both time and effort, sadly it only takes a few negative marks to send your scores to the dumps. If you are dealing with missed payments, collections, and other negative marks on your credit that have lowered your score, there is help available. Working with a reliable credit repair company in Massachusetts is a great way to get rid of negative marks on your credit report and work towards getting the score you deserve.

Overview of the credit industry in Massachusetts

Massachusetts is an expensive US state, with the cost of housing being much higher than most other states. General cost of living is higher in most northeastern states, and Massachusetts follows the same trend. Credit card debt in the state sits just $42 under the national average at $5,151 per person. It’s not surprising, especially when paired with the average credit scores in the state.

Likely related to the high housing costs, Massachusetts has a high average credit score of 732, well above the national average of 714. If your credit score is lower than average in your state and you’re preparing to take out a loan, or looking to improve your score, credit repair may provide some relief to help you bring up your credit score when false credit entries are included.

Laws that effect credit repair in Massachusetts

In Massachusetts, there are some state laws that impact credit repair as a service provided by companies to customers in the state. The main law that will apply is Section 68 (MA Gen Laws 15-93 68), which gives a few different directions to prospective credit repair companies. Any company that wants to provide this service in Massachusetts must:

  1. Possess a surety bond at all times, worth no less than $10,000
  2. Provide any customer a refund when requested within 10 days of the contracting being signed
  3. Allow customers to cancel their contracts within 3 business days of contract signing
  4. Include in each contract a set of specific disclosures

Along with Massachusetts state law, the Credit Repair Organizations Act (CROA) is a federal law that puts a blanket standard on all companies who are offering credit repair to customers throughout the US, including in Massachusetts. This act deals with the way customers can be charged, how contracts should be set up, and the way companies are allowed to communicate about credit repair to prospective customers.

What Is Credit Repair?

The act of repairing credit is simply getting rid of things on the credit report that is bringing down the score. These are usually old accounts that should have fallen off, collections, inaccuracies, and other negative entries. Sometimes even bankruptcies can be removed if the time frame has passed but it is still listed on the report. A good credit repair service will also help a person rebuild their credit once all the negative marks have been eliminated. You can work on repairing your credit on your own, but a professional credit repair service will be able to do it much quicker and more efficiently.

Do you need a lawyer to do credit repair in Massachusetts?

No, you don’t need any lawyers to be involved in the credit repair process in the state of Massachusetts. There are many companies that can provide excellent credit repair to residents of Massachusetts despite not being law firms or having any lawyers on staff. Credit repair does not require a lawyer at any point. In fact, it’s a service you can actually do on your own, although you might run into issues if you don’t already have some experience doing it.

Credit repair process in Massachusetts

How does credit repair happen? Here are the main steps involved in the state of Massachusetts:

Step 1: Making a request for credit reports  

Credit reports are the records kept by all 3 credit bureaus in the US. These are all kept separately, with businesses in Massachusetts being required to send relevant transactions to at least 1 credit bureau. Every 12 months, you’re entitled to a free credit report from all 3 bureaus. Make a request from all 3 bureaus to have a report sent to you either online or by mail.

Step 2: Looking closely at your credit reports

With all 3 credit reports in hand, it’s time to examine them for errors. This is an important step, since credit repair can only be done when there is inaccurate information on your credit report. If everything is correct, nothing can be disputed and removed. Make sure you read each entry closely to see if there are any mistakes in your payment history, open credit accounts, or other areas of the report.

Step 3: Disputing inaccurate credit entries  

For every inaccurate entry you discover on your credit report, you need to send a dispute letter to the credit bureau that maintains that report. If you find the same mistake on multiple credit reports, a separate letter should be sent to each credit bureau with information about the inaccurate entry.

Note: Even though the process looks deceptively simple, it’s more complicated that it sounds, especially once you get to the final step. Credit repair involves a whole lot of follow up with all 3 major credit bureaus, which takes a lot of time and effort. This part of the process is best completed with a reputable company that regularly works with people to fix credit report issues.

Common Services That Massachusetts Credit Repair Companies Provide

Credit repair specialists do much more than dispute irregularities on your credit report, they also monitor your report and do much more to fix your credit. Sometimes companies are able to validate a debt even after you have had it removed, which means it will be placed back on your credit report. The credit reporting agencies are obligated to inform you of such changes, and the credit repair company can take steps to rectify the situation. They may work directly with the creditor to pay off the balance and remove the derogatory listing.

If you are being harassed by collections agents a credit repair service will be able to make them stop. In addition to sending out a cease-and-desist letter, they will be able to negotiate a settlement that includes removing derogatory marks once the account is paid off. They are also able to work on removing charge-offs and other collects that are dragging down your score.

Common questions and answers:

How much can you improve your credit score in Massachusetts?

In Massachusetts, your credit score can be improved by a lot if you use credit repair to remove inaccurate entries from your credit report. Payment history makes up more than one-third of your credit score calculation, so any incorrect missed or late payments could be causing real trouble for your credit score. Credit repair is the best way to get their incorrect entries removed, so your credit score can be based only on accurate information.

How much does it cost to fix your credit in Massachusetts?

Credit repair is paid for on a monthly basis from when your dispute letters are submitting until the process is finalized and the inaccurate entries are removed. Because it can take some time and involves varying levels of follow up and action on the part of the company, you won’t find credit repair offered for a flat rate. The average monthly cost for credit repair in Massachusetts is $79-199 per month, with most of the credit repair companies charging a fee upfront for setting up the contract.

How long does the credit repair process take in Massachusetts?

On average, credit repair in Massachusetts takes between 3 – 6 months. Although it sounds like a long time, the process can take even longer if you try to do it on your own or work with a disreputable company that may cause delays.

Are there any cities in Massachusetts where you cannot do credit repair?

You can do credit repair everywhere in Massachusetts. Although so many services focus on Boston, Worcester, or Springfield alone, that’s not the case with credit repair. You can get the same service in Andover, Sharon, or Maynard as you would in larger metro areas, since this is not a location-specific service. As long as companies are adhering to the correct laws for doing credit repair in Massachusetts, you can work with them.

Get help with credit repair in Massachusetts:

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