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.
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.
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.
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.
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.
CreditRepair.com logo


    • 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.
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

Bad credit can stand in the way of homeownership, buying a new car, or even relocating to another city. The best way to maintain good credit is to manage your money responsibly, but even if you do, sometimes life comes along with its own plans. Getting laid off, dealing with a medical emergency, or even having your identity stolen are all common problems that can result in a lower score. If you are interested in fixing your credit, working with a professional credit repair company in Rhode Island is an effective way to go about it.

Overview of the credit industry in Rhode Island

Rhode Island is one of the most expensive U.S. states, consistently sitting in the top 10 most expensive U.S. states to live in. Housing is especially expensive in this state, and even basic necessities are above national averages. This likely factors into the average credit card debt that Rhode Island residents hold. On average, each person in Rhode Island has $5,259 in credit card debt. The national average is $5,193 per person.

Even though housing is quite expensive in Rhode Island compared to most of the US, credit scores in the state are still slightly above the national average. The average person has a credit score of 723, nine points above the national average of 714. While this is objectively a good credit score, it's not necessarily the best you can do. Credit repair is one option to help you improve your credit score if it’s being calculated based on any inaccurate information on your credit report.

Laws that affect credit repair in Rhode Island

There are no laws in Rhode Island that deal directly with credit repair companies. However, there is still a national law that governs all credit repair companies within the US, regardless of which state they operated.

The federal Credit Repair Organizations Act (CROA) is a law that dictates how companies offering credit repair service can speak to their customers about the service, charge for the service, and create contracts with their customers, among other things. This is a federal law aimed at helping customers avoid bad actors in the credit repair space.

Do you need a lawyer to do credit repair in Rhode Island?

There's no reason to hire a lawyer to do credit repair in Rhode Island, unless that's what you want to do. Legally speaking, any company that is following federal laws and any applicable state laws is allowed to offer credit repair service in Rhode Island. This means you have a large pool of companies to choose from, so you can pick the company you feel most comfortable with that fits in your budget range best.

Can a Rhode Island Credit Repair Service Help?

Credit repair companies in Rhode Island can be an effective resource when you want to repair problem credit. A professional service will be able to perform many of the same actions that you can do on your own but in a more efficient manner. Disputing items on your credit report, dealing with collections agents, and even negotiating debt consolidation plans all take time and effort that most people are unable or unwilling to dedicate in order to repair their credit. A professional credit repair company will have the time, skills, and dedication to get rid of negative marks on your report, so you can start to rebuild your credit score.

Common Mistakes That Can Have a Negative Effect On Credit

Items listed by creditors or even the reporting agency that is not accurate are one of the leading causes of lower consumer scores. Mistaken entries are not placed out of malice, but they still can result in low scores and other negative outcomes in regard to consumer credit. Let’s discuss some of the more frequent mistakes that can result in a lower score.

There are several agencies that collect consumer credit information: TransUnion, Equifax, and Experian. Collection companies, lenders, and creditors will report consumer activity to these agencies on a monthly basis. Credit reporting agencies do not often cross-reference, so this can lead to information being listed on one report that is not present on another. For example, if you paid off an account or even opened a new account, but the creditor only reported it to one agency, it will still show up as unpaid or not at all on the others. It is common for credit reporting agencies to keep reporting a debt past its expiration date.

Any derogatory mark on a consumer credit report has a date that it expires. Once this date comes and goes, the mark is supposed to be dropped from the report. When it is still reported, it can lead to lower credit scores. Having another person’s information reported in your consumer report can lower your score if their marks are derogatory. Though not common, people who share the same or similar name may have to deal with this type of credit report mistake.

Credit Card Consolidation

Credit card debt is one of the leading causes of poor credit scores. With high levels of consumer spending and a culture of fast fashion, more people than ever have started going into debt just to keep up with trends. If you are drowning in credit card debt and have messed up your credit score as a result, there are options available to help you rebuild. Working with a credit repair agent to consolidate credit card debt can help you get a handle on your bills and go a long way towards improving your credit score. A credit repair company will be able to help you merge all of your credit card debt under one bill and negotiate an affordable payment that will allow you to catch up on your bills and start to rebuild your credit score. A savvy credit repair agent can even convince credit card companies to remove negative marks such as late payment or collections notations from your credit report as part of the consolidation agreement.

Credit repair process in Rhode Island

All Rhode Island residents looking to get credit repair can expect the process to go like this:

Step 1: Getting your credit reports

You can't begin the credit repair process without looking at your credit reports. You'll need to request all 3 of your credit reports, 1 from each of the 3 major credit bureaus in the US. These reports are the foundation for calculating your credit score, which means that their accuracy has to be 100% or else you could be getting an inaccurate credit score based on false information. Every credit bureau in the US is legally obligated to provide you with a free credit report at least once every 12 months, so request your credit report from all three bureaus to get a full picture of what’s being used to calculate your credit score.

Step 2: Examining individual credit report entries  

Open your 3 credit reports and look at each one individually. Scan the entries on each report to look for inaccurate or incorrect information that could be there. Not all credit reports contain inaccurate information, but it's surprisingly common for mistakes to be included in some entries on your credit report. If there are mistakes on your credit report, you have the right to dispute these entries and have them removed or changed on your official credit reports.

Step 3: Removing inaccurate entries from your credit reports

The organizations responsible for fixing mistakes on your credit reports are the credit bureaus that produce the reports. This is the best avenue for getting your credit report fixed. You need to send dispute letters to each of the 3 credit bureaus that list the inaccurate information, presenting evidence of the falsity of the information and requesting its removal.

Note: While it's easy enough to write these steps on paper, going through the process is a lot easier said than done. Because of the prevalence of fake credit repair services who dispute every negative entry on a credit report, these credit bureaus require a lot of evidence to prove that an entry is incorrect before they will consider your case. A credit repair company can help you draft the best dispute letter possible to give you a good chance of success more quickly.

Common questions and answers:

How much can you improve your credit score in Rhode Island?

Fixing your credit score is no easy task. But, if your credit score is bad because there is false information on your credit reports, you can make huge improvements to your credit score by simply removing these false entries. Credit repair can be vital to improving a bad credit score that's being drag down based on inaccurate information.

How much does it cost to fix your credit in Rhode Island?

Fixing your credit score through credit repair in Rhode Island costs anywhere from $69 to $199 per month. The average company charges closer to $120 per month for credit repair, with most adding a small set up fee as the contract is beginning. This service is charged on a monthly basis because of the varied nature of the work and the unpredictable time frame.

How long does the credit repair process take in Rhode Island?

There's no way to know how long it will take your credit repair process to finish. On average, you can expect credit repair in Rhode Island to take between 3 to 6 months, but it could be longer or shorter than this depending on your case.

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

Luckily for the residents of Rhode Island, all cities have the same access to credit repair as each other. There are no specific restrictions on credit repair based on the characteristics of a city. So whether you live in a large metro like Providence, Warwick, or Cranston, or a smaller city such as Jamestown, Foster, or Exeter, you can enjoy access to any credit repair company working within the state of Rhode Island.

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