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Best Credit Repair Companies in Colorado Springs

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Colorado's Complete Credit logo

Colorado's Complete Credit

102 South Tejon Street, Colorado Springs, CO 80903
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  • Credit Monitoring
  • Credit Audit

Colorado's Complete Credit is a company that helps improve the credit scores of individuals and businesses within the Colorado Springs metro. It provides the services of challenging negative items on credit reports with credit bureaus as well as creditors. It offers personalized dispute options, case analyst assistance, customized dispute letters submitted on the client's behalf, and access to live status updates through a secure client portal. The company encourages consumers to assert their legal rights to improve their credit scores.

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Credit Repair Nerds logo

Credit Repair Nerds

525 North Cascade Avenue, Colorado Springs, CO 80903
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  • Credit Audit
  • Credit Dispute

Credit Repair Nerds is a company that provides services to individuals in the Colorado Springs metro and the surrounding communities. Its credit mentors assist clients and provide them with personalized action plans to resolve their credit score issues. In addition, they offer consultation as well as real estate preparation services. They strive to deliver permanent solutions to help clients achieve their credit score goals. Credit Repair Nerds provides real-time credit tracking software that allows clients to access their status.

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Credit Repair One logo

Credit Repair One

137 N Tejon St, Colorado Springs, CO 80903
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  • Credit Audit

Credit Repair One provides assistance to Colorado Springs individuals who need to fix their records regarding loans and debts. The company is committed to helping clients increase their chances of loan approval, increase credit scores, and get lower interest rates. Its credit repair specialists are committed to conducting reviews about clients' negative listing circumstances to validate the correctness and check possible inconsistencies that can be negotiated. Upon successful correction of wrong entries, Credit Repair One also organizes a final account payment on its client's behalf.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Q: Is credit repair legal?

A: Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

Q: Can a credit repair company remove late payments?

A: Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

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