FCRA • FDCPA • CROA Compliant
Mon–Fri 9am–6pm EST
4.9/5 Rating • 200+ Families Helped
Trusted Credit Repair Specialists

Rebuild Your Credit. Reclaim Your Financial Future.

Boston Credit Services uses law-backed dispute strategies to remove inaccurate, outdated, and unverifiable items from your credit report, so you can qualify for the home, car, or loan you deserve.

SSL Encrypted
60-Day Guarantee
All 3 Bureaus
4.9 / 5 Rated
Credit Specialist
Credit Score
731
+187 pts in 60 days
Started at 544 Approved ✓
7 Items
Removed
All 3
Bureaus
45 Days
Avg Results
Approved
Collections Removed Late Payments Disputed Charge-Offs Addressed Bankruptcies Handled Identity Theft Resolved Repossessions Contested ChexSystems Cleared Inquiries Removed Foreclosures Addressed Student Loan Errors Fixed 4.9/5 Client Rating FCRA Compliant Disputes Collections Removed Late Payments Disputed Charge-Offs Addressed Bankruptcies Handled Identity Theft Resolved Repossessions Contested ChexSystems Cleared Inquiries Removed Foreclosures Addressed Student Loan Errors Fixed 4.9/5 Client Rating FCRA Compliant Disputes
+187 Avg Score Increase 200+ Families Helped Free Consultation Available FDCPA Compliant Process 60-Day Money-Back Guarantee 500+ Items Removed Secure & Confidential Law-Backed Disputes 45-Day Avg First Results All 3 Bureaus Covered 98% Client Satisfaction Mortgage Approvals Achieved +187 Avg Score Increase 200+ Families Helped Free Consultation Available FDCPA Compliant Process 60-Day Money-Back Guarantee 500+ Items Removed Secure & Confidential Law-Backed Disputes 45-Day Avg First Results All 3 Bureaus Covered 98% Client Satisfaction Mortgage Approvals Achieved
How It Works

A Process Built
Around Your Results

From your first review to your final update, every step is handled with precision and transparency. No guesswork, no surprises.

Book Free Consultation
00
Step 01
Request Your Free Review

Share basic info so we can pull your credit report overview and identify potential issues.

00
Step 02
We Analyze Your Report

Our team reviews each item and identifies inaccuracies, outdated entries, and unverifiable data.

00
Step 03
Correspondence Is Prepared

We prepare and send professionally drafted letters to the credit bureaus following federal guidelines.

00
Step 04
Track Your Progress

Receive monthly updates and see which items have been updated or corrected on your report.

Professional Black American credit consultant
60
Day Money-Back
Our Promise to You

60-Day
Money-Back
Guarantee

If nothing is removed from your credit report within 60 days, you will receive a full refund minus the certified mailing fee. We stand behind our work.

0+
Negative Items Addressed
0+
Clients Served
0 Days
Average First Results
4.9/5
Client Satisfaction

* These figures are estimates for illustrative purposes. Individual results vary.

Our Technology

Powerful Tools to
Help You Restore Your Credit

We provide our clients with powerful technology and resources designed to make the credit restoration process simple, transparent, and effective.

Dashboard
Secure Client Dashboard

Every client receives a private online dashboard to monitor their case, track dispute progress, upload documents, and manage their account anytime.

Mobile
Secure Mobile App Access

Access your account through our secure mobile app to check updates, upload documents, and communicate with our team from your phone.

Live
24/7 Progress Tracking

Stay informed with real-time updates showing dispute progress, account changes, and improvements to your credit profile.

Upload
Fast & Secure Document Upload

Upload identification and required paperwork directly through your secure account to keep your case moving forward quickly.

Automated
Automated Correspondence

Our system generates strategic correspondence to challenge inaccurate, outdated, or unverifiable information on your report.

Reports
Credit Report Monitoring

Review updated reports and see which accounts have been corrected or updated as we work on your credit.

Secure
Secure Messaging

Communicate directly with our team through our private messaging system for questions and updates throughout the process.

Onboarding
Digital Client Onboarding

Complete the entire sign-up process online in minutes with secure document submission and electronic agreements.

Alerts
Automated Status Notifications

Receive automatic alerts when there are updates to your account, dispute results, or when additional action is needed.

Billing
Convenient Payment Management

Manage payments, billing, and subscriptions easily through a secure online payment system.

Guided
Guided Restoration Process

Our structured process walks you through each step while building stronger financial habits for your future.

Support
Dedicated Support Team

Work with a dedicated team available to answer questions and guide you through every stage of your credit restoration journey.

Client Portal

Your Progress,
Right in Your Pocket

Every client gets access to our branded mobile app — track your credit score, monitor correspondence progress, upload documents, and stay informed every step of the way.

01
Mobile App Access

Log in anytime from your phone to check your credit score and case updates.

02
Real-Time Score Tracking

Watch your credit score improve as we work on addressing inaccuracies.

03
Secure Document Uploads

Upload IDs, statements, and supporting documents directly through the app.

04
Instant Notifications

Get alerts when correspondence is sent, responses arrive, or action is needed.

Happy client reviewing credit progress
The Difference

Bad Credit vs. Good Credit

Your credit score affects nearly every financial decision. See how it impacts your life.

Below 580 Score
Bad Credit
580
Poor Range
Denied for mortgages or forced into high rates
Auto loans with 15–25% interest rates
Credit cards with sky-high APRs or denied entirely
Security deposits required for utilities and rentals
Higher insurance premiums
Difficulty renting apartments or getting hired
VS
700+ Score
Good Credit
750
Excellent Range
Approved for mortgages with the best rates available
Auto loans at 3–6% interest — saving thousands
Premium credit cards with rewards and low APRs
No security deposits — move in with ease
Lower insurance premiums across the board
More housing options and better job opportunities

Your credit score is not permanent.

Don't let bad credit
hold you back.

Take the first step toward financial freedom today.

Start Your Free Credit Audit
Savings

See How Much You Could Save

Good credit doesn't just open doors — it saves you real money.

Home Mortgage
Auto Loan
Bad Credit
Below 580 Score
8.5%
Interest rate
Monthly Payment
$2,307
Total Paid Over 30 Years
$830,427
Good Credit
700+ Score
3.5%
Interest rate
Monthly Payment
$1,347
Total Paid Over 30 Years
$484,968
You Could Save
Total savings over the life of your loan
$345,458
over the life of your home mortgage
Start Saving Today

* Estimates are for illustrative purposes only and do not represent guaranteed rates or outcomes.

Services

What We
Can Help With

We focus on identifying and addressing items that may be inaccurate, outdated, or unverifiable on your credit report. Using federal consumer protection laws, including the FCRA, FDCPA, and CROA, our team prepares strategic correspondence on your behalf, challenging negative items that should not be holding your score back. Every client receives personalized attention and a clear plan designed around their specific credit profile and financial goals.

Collections
Dispute
Charge Offs
Challenge
Late Payments
Address
Repossessions
Dispute
Student Loans
Review
Evictions
Address
Liens
Dispute
Judgments
Challenge
Bankruptcies
Review
Inquiries
Dispute
ChexSystems Items
Address
Identity Theft Errors
Resolve
Mixed Files & Duplicates
Dispute
Outdated Negative Items
Remove
Medical Debt Errors
Dispute
Pricing

Simple, One-Time Pricing

No monthly fees. No hidden charges. Just one payment and we get to work.

1 – 5 Negative Items
Basic Plan
Perfect starting point
$ 197 one-time
Full credit report analysis, all 3 bureaus
Address 1 to 5 negative items
Multiple rounds of correspondence included
Progress tracking and updates
Email and phone support
60-day money-back guarantee
15+ Items or Bankruptcy
Premium Plan
Full-spectrum credit repair
$ 347 one-time
Everything in Standard Plan
Address 15 or more negative items
Bankruptcy documentation support
Identity theft assistance
Bureau and creditor correspondence
Escalated dispute strategies
Mailing Fee
A $40 per round certified mailing fee (return receipt requested) applies to cover postage and delivery tracking for each round of correspondence sent to the credit bureaus on your behalf.
Why Us

Why Boston Credit Services

Education First

We empower you with knowledge about your credit rights and how the process works, so you are never left in the dark.

Clear Communication

You will always know where things stand with regular updates and responsive support throughout your journey.

Compliance-First

Everything we do follows FCRA, FDCPA, and CROA guidelines. No shortcuts, no gimmicks, just the right way to do it.

Secure Handling

Your personal data is encrypted and handled with the highest standards of privacy and data security.

Testimonials

What Our Clients Say

Real feedback from real clients. Individual results vary.

180 Ministries walked me through every step. I finally understand my credit report and what I can do about it.

Ryan Mitchell
Ryan Mitchell
Verified Client
Verified

Professional, responsive, and honest about what to expect. I felt supported the entire time.

Denise Williams
Denise Williams
Verified Client
Verified

They helped me identify errors I didn't even know were there. The process was straightforward and transparent.

Jamal Carter
Jamal Carter
Verified Client
Verified