We Can Improve Your Credit

Remove errors on your credit report that are holding back your credit scores. Sign up today for a free review of all 3 Credit Reports and Scores and find out what’s on your credit and how we can help you repair it.

Don’t Let Credit Hold Back Your Dreams

Credit impacts almost every area of your financial life. With great credit you can keep more of your hard earned money and achieve your financial goals.

Home Ownership

Get your credit ready to purchase a new home.

Automobile Purchase

Take advantage of lower rates and fees.

Lower Interest Rates

Get better interest rates on credit cards and loans.

Career Opportunity

Pass an employers credit check with confidence.

Whatever You Need Your Credit For - We Can Help.

Dispute Items Holding Back Your Credit Scores

We create personalized dispute letters to challenge errors on derogatory accounts that are holding back your credit scores such as:

  • Collections
  • Charge Offs
  • Repossessions
  • Foreclosures
  • Late Payments
  • Judgments
  • Tax Liens
  • Inquiries
  • Personal Data
  • Medical Bills
  • Reporting Errors
  • & Much More!

Get a Professional review your credit report

Find Out What's On Your Credit Report And What You Can Do About It

Start Seeing Results in as Little as 30 to 45 Days

On average our clients successfully graduate our services in only 4 to 6 months and start seeing results within the first 30 days. Here is how we help you improve your credit:

FREE Credit Review

It starts with determining what is reporting on your credit reports and developing a personalized action plan to repair the issues.

Credit Audit

Get a detailed report on what is showing on your credit report as well as how to optimize your credit mix and balances to maximize your scores.

Credit Repair

We create personalized disputes with TransUnion, Experian, Equifax, and Creditors to remove the errors that are holding back your credit scores.

Credit Coaching

Have a credit expert review your credit report and give you professional advice on what you can do to reach your financial goals

What You Get With Bay State Credit

24/7 Online Support

Follow your status online with your own personal credit portal.

Personalized Attention

We keep you informed the entire time so you know exactly what’s happening.

Lightning Fast Results

Our goal is to get you in and out of services and on to achieving your goals.

Client reviews

  • positive review Service is amazing ! I recommend using their services because they are 100 percent as advertised!

    Geo Guy Avatar
    Geo Guy

    positive review I can’t believe what Bay state credit did in such a short amount of time brought us from 544 to 613 in 3 weeks!! He sacrificed his personal time and work to get us done he is the best thank you Bay state credit from Alves family!!! Hopefully progress continues...

    Bill Alves Avatar
    Bill Alves

    positive review Bay State Credit does exactly what they say they would. I was able to get a paid collections account removed off my credit report and within 48 hrs and my score jumped 40+ pts. Brandon was realistic with my expectations and couldn't ask for more. The service is worth every penny and he assured me that I could cancel at any moment I felt satisfied with the work that was completed. Thanks for all your hard work Bay State Credit!

    Jess Reve Avatar
    Jess Reve

    positive review I’m so grateful for Bay State Credit! Many thanks to Brandon and Corina for helping to get me on track to finally reap the benefits of good credit. They keep me informed and are very supportive, every step of the way. I definitely recommend this company to anyone looking to repair their credit!

    Tai Renea Hussey Avatar
    Tai Renea Hussey

    positive review Bay State Credit helped me get my credit score up. They also kept me informed of everything that they were doing and I felt like I was part of every step. I would recommend Bay State Credit to anyone if you have questions about your credit I suggest you give them a call.

    Wanda Williams Avatar
    Wanda Williams
  • positive review Bay state credit helped me improve my credit and get back on track!! Brandon was very knowledgeable and helped me every step of the way, informing me of what was going on and what to expect. I’m very pleased and grateful to have found bay state credit and highly recommend them !!

    Nellie Barbosa Avatar
    Nellie Barbosa

    positive review Bay State Credit was phenomenal to work with. I can't speak more highly of them. I generally as a rule do not write reviews, however this is a different story. I went from skeptical to a believer. The entire process was quickly executed and extremely successful. Smooth as glass. Additionally I was offered techniques to further keep my credit not only on the right track, but progressing upwards as it should.

    Scott Ziminski Avatar
    Scott Ziminski

    positive review The entire staff is very knowledgeable with everything and super friendly. I couldn’t get approved from anything before, it took a few months but they got the job done. I’ve obtained several credit cards since my repair and moved into a new apartment. Thank you Bay State Credit!

    Evora Ramos Avatar
    Evora Ramos

    positive review Bay state credit helped me alot changed my life , super recommended them !!!
    Get ur credit up , credit is today’s Gold

    J. Wesley Desouza Avatar
    J. Wesley Desouza

    positive review I came to these guys a while back at a 400 credit score I had delinquency closed accounts you name it my credit was bad these guys changed my life in the matter of three months I went from a low 400s score all the way to a high 800s I would never believe that I would ever been this high credit scores and these guys definitely achieve them I highly recommend them to anyone who is in any type of credit situation these guys are the real deal they can make miracles

    Sergio Guarracino Avatar
    Sergio Guarracino
  • positive review The team is amazing (especially Brandon). They really hooked me up and helped me to improve my credit. They were also able to point me in the right direction for additional resources. I’m definitely going to refer many people I know to them.

    Monique Selden Riley Avatar
    Monique Selden Riley

    positive review Great experience, they helped me and are definitely experts at what they do. I'm finally looking forward to the home buying process thanks to this company! Super excited!!

    Sasha Rodriguez Avatar
    Sasha Rodriguez

    positive review Very attentive and professional, quick to respond to message and address the needs of their clients.

    Renee Gomas Avatar
    Renee Gomas

    positive review Amazing experience working with their company. Life changing

    Chenelle Forceball Hill Avatar
    Chenelle Forceball Hill

    positive review Great services with great results you can count on. You guys are the best!!

    Nikita Clincy Avatar
    Nikita Clincy
  • positive review This was an amazing experience all around! My score jumped up! Thank you so much!

    Jessica Martin Avatar
    Jessica Martin

    positive review Amazing Company! This company has changed my life! PLEASE.PLEASE give them a call, you will not be disappointed

    Shawn Carter Avatar
    Shawn Carter

    positive review Great customer service, very knowledgeable and they kept me informed every step of the way. I highly recommend.

    Abby Cerros Avatar
    Abby Cerros

    positive review Bay State Credit is the place to go if you need help getting your credit back on track!

    Martin Diaz Avatar
    Martin Diaz

    positive review Credit is the new Cash!!! I’m sooo,glad they helped me get on the right track. They communicated well and got the job done.

    Trina Johnson Avatar
    Trina Johnson
  • positive review Amazing services all around - I love it 👏 Thank you for everything

    Arthur Gomes Depina Avatar
    Arthur Gomes Depina

    positive review This was a much easier process then I imagined. Your knowledge and great customer service made you the right choice. Thanks for everything!!

    Torna Torna Avatar
    Torna Torna

    positive review Great place to fix your credit!!

    Tay Bush Avatar
    Tay Bush

    positive review Great customer service, they were absolutely professional throughout the whole process. I would definitely recommend anyone to their service great company!

    Mahad Muhudin Avatar
    Mahad Muhudin

    positive review Very friendly, very understanding, and very knowledgeable! I will recommend to everyone!

    Malik Greene Avatar
    Malik Greene
  • positive review Great customer service!! I’m happy with their services!!

    Mahogany Tyson Avatar
    Mahogany Tyson

    positive review Thank you Bay State Credit for helping me clear up my credit so I can get my dream car!!!

    Shafiah Khabeerah Avatar
    Shafiah Khabeerah

    positive review They’re amazing! So happy they raised my score so I can buy my house! Thank you!

    Clay Gabi Avatar
    Clay Gabi

    positive review Love this! They really helped me get my credit up. Thank you so much for all the help. Highly recommend this company!

    Eddie Niks Avatar
    Eddie Niks

    positive review Fantastic customer service! They are extremely knowledgable and affordable..I highly recommend for credit repair services!

    Jamie Blair Avatar
    Jamie Blair

Repairing Your Credit is Easier Than Ever!

We handle the entire credit repair process for you.

Step 1

Free Credit Review

Get a professional review of your credit reports and scores to determine the best steps to improve your credit. 

Step 1

Step 2

Credit Audit

We analyze your entire credit report and setup your online credit portal.

Step 2

Step 3

Dispute Derogatory Items

We’ll aggressively dispute errors using consumer protection laws such as the FCRA & FDCPA.

Step 3

Step 4

Track Results

Once your results are due we access your credit monitoring reports and log the results in your credit portal. 

Step 4

Step 5

Escalate Disputes

Remaining items on your credit report are escalated with advanced dispute tactics.

Step 5

Credit Repair Pricing

Credit Audit

Get Started For Only

$ 197
Setup Fee
  • Comprehensive Credit Audit
  • Credit Portal Setup
  • Credit Repair Setup
  • Personalized Credit Roadmap

Credit Repair Services

No Long Term Contracts!

$ 97
  • Unlimited Credit Bureau Disputes
  • Unlimited Creditor Disputes
  • Email Notifications
  • 24/7 Online Support


Yes! Your audit includes personalized advice geared toward your credit situation. If we feel you need additional lines of credit or better lines of credit, we will include sources of credit lines that will benefit you in my recommendations, and we’ll be sure to explain your options thoroughly.

Your credit scores are based on 5 factors including payment history, amounts owed, length of credit, new credit, and types of credit. Each one of our clients results are different.

We are unable to tell you exactly how long it will take. This is because credit scores are based on 5 factors including payment history, amounts owed, length of credit, new credit, and types of credit. Most importantly, YOU play a huge role in your success during the program.

You can start seeing results in your credit in as little as 30 to 45 days, but most clients graduate our services in only 4 to 6 months.

Credit Resources

Let Us Help You Improve Your Credit!

We are here to help and look forward to helping you improve your credit and fulfill your financial goals!

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