You can walk into a government office to fix your bad credit for free. They want you to come if you need it. Staff at the Roxbury Center for Financial Empowerment are employed by the City of
Boston to offer residents their own personal financial coach, a career specialist, and a whole menu of additional resources, such as income support and workforce development.
Credit scores are a big deal.
They will help get your FICO score into the high 600s at no charge.
contact e-mail is ofe@Boston.gov Phone 617.918.5300. website
On the website it says “Boston is committed to building a city in which every resident can improve his or her financial wellness. One of the most effective ways to build assets is to build your credit score, yet one-third of Bostonians either have a subprime score or no score at all.”