FCRA · FDCPA · CROA Compliant
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Boston Credit Services uses law-backed dispute strategies to remove inaccurate, outdated, and unverifiable items from your credit report — fast.
SSL Encrypted
60-Day Guarantee
All 3 Bureaus
4.9/5 Rated
Credit Score
731
+187 pts in 60 days
7 Items Removed
All 3 Bureaus
45 Day Avg
✓APPROVED
Collections Removed
Late Payments Disputed
Charge-Offs Addressed
Bankruptcies Handled
Identity Theft Resolved
Repossessions Contested
ChexSystems Cleared
Inquiries Removed
Collections Removed
Late Payments Disputed
Charge-Offs Addressed
Bankruptcies Handled
Identity Theft Resolved
Repossessions Contested
ChexSystems Cleared
Inquiries Removed
0
Negative Items Addressed
0
Client Satisfaction %
0
Days Avg First Results
0
Families Helped
482
Credit Score
Score Transformation
Watch Your Score Climb
Our law-backed dispute process targets the exact items dragging your score down and eliminates them one by one.
Full 3-Bureau Analysis
We audit every line of your Equifax, Experian, and TransUnion reports to find every disputable item.
FCRA-Cited Correspondence
Every letter cites specific federal statutes, making bureaus legally obligated to investigate.
Monthly Progress Reports
Track every deletion and score movement month over month through your secure dashboard.
What We Fix
Every Item We Can Address
If it is inaccurate, outdated, or unverifiable — we have a strategy for it.
Collections & Charge-Offs
We challenge collections that lack proper documentation and charge-offs that violate reporting guidelines.
Late Payments & Derogatory Marks
Target late payment entries with incorrect dates, amounts, or reporting periods that exceed the legal limit.
Student Loans & Public Records
Address student loan inaccuracies, judgments, liens, evictions, and public record errors.
Bankruptcy & Hard Inquiries
Navigate complex bankruptcy documentation and challenge unauthorized or excessive hard inquiries.
Identity Theft & Mixed Files
Resolve accounts that do not belong to you, duplicate entries, and mixed credit file errors.
ChexSystems Disputes
Clear your ChexSystems record to regain access to banking services and checking accounts.
The Process
Simple Steps.
Serious Results.
01
Request Your Free Audit
Share your info so we can review your credit report overview and spot every opportunity.
02
We Analyze All 3 Bureaus
Our team digs into every item on Equifax, Experian, and TransUnion to build your strategy.
03
Law-Based Letters Go Out
Custom correspondence citing FCRA, FDCPA and CROA is prepared and sent to the bureaus.
04
Track Progress Monthly
Log into your dashboard to see deleted items, score improvements, and next steps in real time.
Average Client Results
+187
Score Points
45
Days Avg
7+
Items Removed
Simple Pricing
One Flat Fee. No Monthly Traps.
Pay once and we get to work. No recurring charges, no hidden fees.
Basic
Starter Plan
$197
one-time payment
For 1 to 5 Negative Items
- Full 3-bureau credit analysis
- Address 1 to 5 negative items
- Multiple dispute rounds
- Progress tracking and updates
- Email and phone support
- 60-day money-back guarantee
MOST POPULAR
Standard
Growth Plan
$247
one-time payment
For 6 to 15 Negative Items
- Everything in Starter
- Address 6 to 15 negative items
- Priority processing
- Creditor interventions
- ChexSystems support
- Dedicated case manager
Premium
Total Rebuild
$347
one-time payment
15+ Items or Bankruptcy
- Everything in Growth
- Address 15+ negative items
- Bankruptcy documentation
- Identity theft assistance
- Escalated bureau strategies
- Full creditor correspondence
All plans include a $40 per round certified mailing fee. View full pricing details
Book a Consultation
Ready to Take Back Control?
Schedule a free 30-minute call with our credit specialists. No pressure, no obligation.
Free 30-Min Strategy Call
Walk away with a clear picture of your credit and a personalized action plan.
Instant Report Review
We will review your report live and identify items we can challenge immediately.
No Commitment Required
The consultation is completely free. Enroll only if you are ready to move forward.
60-Day Money-Back Guarantee
If nothing is removed in 60 days, you receive a full refund minus the mailing fee.
Book Your Free Consultation
Fill out the form and we will reach out within 24 hours.
Client Stories
Real People. Real Results.
Here is what our clients have to say.
"
I came to Boston Credit Services with a 498 score and collections dragging me down. Within 45 days, four items were removed and my score jumped to 631. I was finally approved for a car loan with a rate I could afford.
★★★★★
Marcus T.
Boston, MA
498 to 631 in 45 days
"
After my divorce I was left with a financial mess. Boston Credit Services helped me dispute 11 negative items across all three bureaus. The team was always responsive and the process was completely transparent. I finally feel in control again.
★★★★★
Denise W.
Atlanta, GA
11 items disputed, +152 pts
"
I was skeptical at first. But Boston Credit Services explained the law to me and showed me exactly what they were disputing and why. Within 60 days my score hit 720. We are now under contract on our first home.
★★★★★
Derek & Camille J.
Houston, TX
561 to 720, Mortgage approved
Real Transformations
Before & After Score Results
Drag the slider to explore real client score journeys. Click a case below to load their story.
Before
498
Starting Score
→
After
631
Final Score
+133 Points
45 Days • 4 Items Removed • Car Loan Approved
Marcus T.
+133 pts
45 days
Denise W.
+152 pts
60 days
Derek & Camille
+159 pts
60 days
Got Questions?
Frequently Asked Questions
Everything you need to know about credit repair, the process, and your rights.
Most clients see their first deletions within 30–45 days. Full results typically take 60–90 days depending on the number of items and how quickly the bureaus respond. We work multiple dispute rounds simultaneously to maximize speed.
Absolutely. The Fair Credit Reporting Act (FCRA) gives every American the legal right to dispute inaccurate, outdated, or unverifiable information on their credit report. Credit bureaus are legally required to investigate and respond within 30 days.
We can address collections, charge-offs, late payments, repossessions, foreclosures, bankruptcies, medical debt, student loan errors, hard inquiries, identity theft accounts, mixed file errors, and ChexSystems entries — anything that is inaccurate, outdated, or unverifiable.
We stand behind our work with a 60-day money-back guarantee. If no negative items are removed within 60 days, you receive a full refund minus the certified mailing fee. We only succeed when you succeed.
No. Filing a dispute does not lower your score. In fact, when negative items are removed, your score typically increases. The dispute process is a protected consumer right and does not count as a hard inquiry.
During your free consultation we will walk you through how to obtain your reports from all three bureaus for free at AnnualCreditReport.com. We review them together and identify every disputable item — no guesswork on your end.
Still Have Questions?
Talk to a Credit Specialist — Free
Our team answers every question with zero pressure and zero obligation. Book a free 30-minute call today.
500+
Items Addressed
98%
Satisfaction Rate
45
Days Avg Results
200+
Families Helped
Start Rebuilding Today
Free 30-min consultation • No obligation
Your 180 Financial Turnaround Starts Today.
No credit score is too low to improve. Book your free consultation and let us build your comeback story.