Best Credit Repair Companies in Rhode Island (2026)
Rhode Island doesn’t have a separate state license or surety bond just for ordinary credit repair companies. That makes the federal rules especially important when you compare payment terms, contracts, guarantees, and claims about credit report deletions.
Rhode Island consumers also have protection under the state Deceptive Trade Practices Act. The law prohibits unfair or deceptive business practices and gives the Attorney General authority to act against companies that break those rules.
We start with the national credit repair companies we recommend, followed by a Rhode Island company that currently offers credit repair services.
Credit Saint
Sky Blue Credit Repair
The Credit People
Other Credit Repair Companies in Rhode Island
Rhode Island has fewer local credit repair companies with detailed first-party websites than many larger states. The Providence company below publishes its services and pricing online, which makes it easier to compare the cost and service structure before you sign up.
Mr Then Consulting LLC
Mr Then Consulting operates from Providence and offers credit repair support under its Then Credit service. The company also provides tax preparation, insurance, business consulting, and document services.
Its current credit repair pricing includes several options. The Standard plan costs $85 per month with a $150 first-work fee. The Professional plan costs $105 per month with a $250 first-work fee. The Elite plan costs $155 per month with a $400 first-work fee.
Mr Then also offers a pay-per-deletion option with no monthly fee. The current price is $5 per inquiry and $50 per collection, charge-off, student loan, tax lien, repossession, eviction, foreclosure, child support account, bankruptcy, civil judgment, or similar item per credit bureau.
A separate do-it-yourself option includes credit monitoring and AI-assisted credit report dispute tools.
Federal law restricts advance payment for covered credit repair services. Ask when any first-work fee becomes due and what completed service that payment covers before you enroll.
How to Choose a Credit Repair Company in Rhode Island
Start with the payment schedule. Federal law prohibits a covered credit repair organization from demanding payment before it performs the promised service.
Ask what each fee covers and when that work will be complete. This matters when a company charges a setup fee, first-work fee, or recurring monthly payment.
Next, read the written contract. Federal law requires covered credit repair organizations to explain the services, total cost, expected timeframe, guarantees, and business address.
The contract must also explain your three-business-day cancellation right.
Review every claim about credit report deletions. A company can challenge information that may be inaccurate, incomplete, outdated, or unverifiable. It can’t legally promise to remove accurate and current negative information just because that information hurts your credit score.
Pay attention to guarantees too. A money-back guarantee isn’t the same as a guaranteed credit score increase or guaranteed deletion. Read the conditions before you enroll.
Rhode Island Credit Repair Laws and Consumer Protections
Rhode Island doesn’t currently have a separate Credit Services Organization Act that creates a special credit repair license, registration, or surety bond requirement for ordinary credit repair companies.
The Rhode Island Department of Business Regulation licenses several financial businesses, including lenders, loan brokers, debt collectors, and debt management companies. Credit repair isn’t listed as a separate licensing category.
A company can still need another Rhode Island license if it provides a separately regulated service. For example, a business that brokers loans or provides debt management services may have licensing duties that don’t come from its credit repair work.
Rhode Island’s Deceptive Trade Practices Act also applies to unfair or deceptive conduct in commerce, subject to the exemptions in the statute.
The Rhode Island Attorney General can investigate suspected violations and ask a court to stop unlawful business practices.
Consumers who suffer a qualifying financial loss from an unlawful practice can also have a private claim under the Act. State law allows actual damages or $500, whichever is greater, and a court can award additional damages, attorney fees, costs, or other relief in qualifying cases.
Federal Credit Repair Rules That Apply in Rhode Island
The federal Credit Repair Organizations Act provides the main credit repair rules for Rhode Island consumers.
A covered credit repair organization can’t demand payment for a service before that service has been fully performed.
The company must provide a written statement of your rights before you sign a contract.
The contract must be written and must describe the services, total payment terms, expected completion period, guarantees, and principal business address.
Consumers have three business days after signing to cancel without penalty or obligation.
Federal law also prohibits deceptive claims. A company can’t promise to permanently remove accurate negative information from your credit report when the information can still legally appear.
These federal rules apply to covered companies that serve Rhode Island consumers remotely as well as companies located inside the state.
Credit Repair and Other Financial Services in Rhode Island
A credit repair company can offer other financial services, but those services can fall under different Rhode Island rules.
Rhode Island separately regulates loan brokers, lenders, debt collectors, and debt management companies through the Department of Business Regulation.
That distinction matters when a company does more than dispute credit report information.
If a company says it will negotiate debts, distribute your payments to creditors, arrange financing, or broker a loan, ask which Rhode Island license applies to that service.
A license for one service doesn’t automatically mean the company holds a credit repair license. Rhode Island doesn’t have a separate ordinary credit repair license to begin with.
How We Evaluated Credit Repair Companies in Rhode Island
We review national providers separately from Rhode Island businesses.
For a local company, we look at the current first-party website, Rhode Island business presence, current credit repair services, contact information, pricing when published, payment timing, refund terms, and the way the company describes its credit report dispute process.
Rhode Island doesn’t provide a dedicated credit repair license lookup, so current first-party service information matters more when we review local options.
We added Mr Then Consulting because its current website clearly offers credit repair support, publishes its pricing, and lists a Providence business address.
Frequently Asked Questions
Rhode Island consumers may still have questions about debt deadlines, local licensing, and what happens after a credit report dispute.
Rhode Island generally gives parties 10 years to bring civil actions when another limitations period doesn’t apply. That general period can apply to contract claims, but the exact deadline for a specific debt can depend on the agreement and legal claim.
Rhode Island doesn’t currently list ordinary credit repair as a separate licensed financial service. Other services a company provides, such as loan brokering or debt management, can require their own Rhode Island licenses or registrations.
Federal law prohibits a covered credit repair organization from demanding payment before it completes the promised service. Ask what each charge covers and when that work will be complete.
Accurate and current negative information generally can’t be removed simply because it lowers your credit score. Credit report disputes are for information that may be inaccurate, incomplete, outdated, or otherwise improper.
Yes. Information removed after a credit report dispute can sometimes return if the company that supplied the information later provides proper verification. Federal law places requirements on the reinsertion of previously deleted information.
You can contact the Rhode Island Attorney General’s Office about deceptive business practices. The office can be reached at (401) 274-4400. If the issue involves a financial service regulated by the Department of Business Regulation, you can also file a complaint with that agency.