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Best Credit Repair Companies in Aurora

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Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

Aurora, CO
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  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Business Description

Credit Saint provides credit repair and restoration services for residents in Aurora. Its team handles credit damage by challenging negative items that are incomplete, unverifiable, inaccurate, biased, or misleading. These items include late payments, judgments, repossessions, hard inquiries, and foreclosures. The dispute letters that the company sends to creditors are custom arguments. Clients receive progress reports and credit analyses through their online accounts. In addition to credit repair, the team also helps clients understand credit scores.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (5317)
Yelp
2.5 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free credit evaluation

Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

Aurora, CO
  • Consumer Credit Services
  • Credit Repair

Business Description

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.3 / 5 (3050)

Price: Free Credit Report Consultation

90 Day Credit logo
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90 Day Credit

10985 Larson Dr, Northglenn, CO 80233
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Business Description

90 Day Credit is a credit repair company near Aurora whose specialists aim to build clients' credit scores via in-depth credit analysis and recommendations. The case analysts and advisors examine credit reports and develop customized plans to challenge erroneous items that result in negative scores. They submit dispute letters on behalf of clients and provide 24-hour live status updates to track current improvements. 90 Day Credit has experience in mortgage, business, and consumer credit, and clients can expect results within a 35 to 90-day period. The company partners with real estate professionals, attorneys, and auto dealers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
AFS Credit Restoration logo
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AFS Credit Restoration

44 Cook St Ste 100, Denver, CO 80206
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Business Description

AFS Credit Restoration is a full-service credit repair company near Aurora. With various payment options available, the company offers four to six-month credit restoration programs. Its credit consultants review credit reports to determine and challenge items harming clients' credit scores. Its professionals then submit disputes to the three major credit bureaus, and clients may receive response letters 30 to 40 days after issuance of these dispute letters. The company also helps clients create and maintain positive accounts by using a secured credit card program to accelerate credit building and assist in mortgage underwriting as needed.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Continental Credit logo
Visit WebsiteWebsite

Continental Credit

1499 W 121st Ave Ste 310, Westminster, CO 80234
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Business Description

Continental Credit offers credit repair services to customers across Aurora. The company's trained specialists assess clients' credit reports and identify areas of weakness and strength. After signing a service agreement with Continental Credit, clients access the company's credit corrections services, which begin with specialists challenging inaccurate information on their credit reports. They continue to work with clients and offer insights on credit scoring algorithms to help improve their credit scores. Continental Credit provides each customer with a program suited to their unique requirements. Additionally, the company's online blog regularly publishes articles to educate the public on credit improvement and personal finance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.5 / 5 (724)
Yelp
2.5 / 5 (63)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Credit Advisors Council logo
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Credit Advisors Council

1550 Wewatta St, Denver, CO 80202
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Business Description

Credit Advisors Council is a consumer credit company near Aurora that helps individuals repair existing credit reports. The credit repair professionals assist with extensive credit restoration. Their process includes diagnosing the causes of negative credit scores as well as challenging any mistakes or inaccuracies in the reports. They provide debt relief services for victims of identity theft and people struggling with student loans. The company offers monthly credit repair and pay after deletion plans. Credit Advisors Council also provides credit counseling to help clients follow budgets and pay outstanding credit card debts.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (36)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Credit Repair Today logo
Visit WebsiteWebsite

Credit Repair Today

999 18th St Ste 3000, Denver, CO 80202
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Business Description

Credit Repair Today is a credit repair agency serving communities in and around Aurora. The team specializes in preparing consumers' credit for loan applications and educating clients about credit reports and FICO scores, along with understanding their rights under the FCRA and FDCPA and the statute of limitations on debts. To raise credit scores or establish new credit, the agency can help clients set up installment accounts and revolving accounts, as well as tradeline rentals. CRT also has experience assisting clients with various types of bankruptcy, resolving identity theft, an addition to settlements, and divorce cases.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Major League Credit Repair & Funding logo
Visit WebsiteWebsite

Major League Credit Repair & Funding

8354 E Northfield Blvd Unit 3700 Bldg G, Denver, CO 80238
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Business Description

Major League Credit Repair & Funding is a credit repair agency near Aurora that helps improve clients' credit scores. The professionals on staff offer daily credit monitoring, fraud alert assistance, and identity theft restoration. They assist in reporting positive rent payments to credit bureaus such as Equifax and Transunion. Additionally, the credit repair specialists create Self Credit Builder accounts on behalf of clients, then advise them on how to make monthly payments to improve their credit scores. Major League Credit Repair extensively audits clients' credit reports and submits disputes to credit bureaus or creditors.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (9)
Yelp
5.0 / 5 (1)
Professional Credit Repair, LLC. logo
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Professional Credit Repair, LLC.

PO Box 201363, Denver, CO 80220
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Business Description

Founded in 2007, Professional Credit Repair LLC is a credit repair company serving the Aurora area. The initial audit includes a line-by-line review of the client's credit report to find any items that are inaccurate, outdated, or unverifiable. The company works to have negative and incorrect items removed or corrected through the major credit bureaus to improve the credit score. It can also communicate with creditors on behalf of clients to fix errors. Clients receive education and an action plan to further improve their credit scores. The company holds the FICO Pro certification.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Synergy Credit Services logo
Visit WebsiteWebsite

Synergy Credit Services

2821 S Parker Rd Ste 265, Aurora, CO 80014
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Business Description

Synergy Credit Services provides credit repair services in Aurora. Its credit experts help to boost credit scores by inspecting credit reports for discrepancies and challenging the negative items with credit reporting agencies. The company has experience in recognizing even small errors and knowledge in matters concerning clients' legal entitlements. The repair process involves disputing duplicate accounts, incorrect inquiries, incorrectly lodged information, and expired negative items. The firm's professionals coordinate with the three credit bureaus and submit documentation to potentially eliminate errors from credit reports. The credit recovery process may take up to 30 days after dispute submission.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
White Jacobs & Associates logo
Visit WebsiteWebsite

White Jacobs & Associates

3190 S Vaughn Way Ste 510A, Aurora, CO 80014
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Business Description

White, Jacobs, & Associates is a credit repair company in Aurora that utilizes the talents of an investigative research team, an in-house attorney, and professional credit analysts to help clients improve their credit scores. Using a unique five-step, attorney-backed program, the company aggressively explores, disputes, and seeks to remove invalid negative items on credit reports. The investigative team works alongside a client's personal credit mentor, who helps individuals build positive credit through the establishment of new revolving and installment accounts. The in-house attorney is available for cases requiring credit report audits or debt settlement.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.9 / 5 (160)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

How long does a repo stay on your credit report?

A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

Do credit repair companies work?

Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

How long does it take to repair credit?

Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

  • Inaccurate late payment: 30-45 days
  • Inaccurate missed payment: 30-45 days
  • Numerous issues from multiple creditors: A few months
  • Fraud or identity theft: Several months to a year or more
  • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process

Can I repair my own credit?

Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

Can credit repair companies remove charge offs?

Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

Can credit repair companies remove bankruptcies?

A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

Can a credit repair company remove late payments?

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.

Is credit repair legal?

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.

How do you repair credit after identity theft?

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.

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