Best Credit Repair Companies in Greeley

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Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

Greeley, CO

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.

Price: Free Credit Report Consultation

Mortgage Ready logo
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Mortgage Ready

PO Box 272429, Fort Collins, CO 80527
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  • Credit Dispute

Business Description

Mortgage Ready is a credit restoration company that serves Greeley. It specifically assists the nationwide mortgage industry in improving the FICO scores of clients by removing unverified and questionable items on their credit reports. Its professionals guide clients in each step of the process, from credit profile analysis and action plan creation to monitoring. Mortgage Ready was established in 2011. It gives back to the community through various charitable endeavors, such as sponsoring the American Warrior Initiative gala in 2018.

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.
4.6
Google
4.5 / 5 (147)

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
Zinu Credit Repair logo
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Zinu Credit Repair

109 E 17th St ,Suite 63, Cheyenne, WY 82001
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  • Credit Monitoring
  • Credit Audit

Business Description

Zinu Credit Repair serves the financial needs of clients in Greeley and the surrounding localities. The company provides individuals with professional solutions in rebuilding or enhancing their credit scores. Its credit repair analysts conduct a thorough review of its clients' credit reports and dispute any negative or unverified items with major credit bureaus and creditors. The team handles the credit disputes on behalf of its clients. The company also provides credit education services. In 2016, the firm removed over 9,000,000 negative items from credit reports.

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 (17)

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
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Frequently Asked Questions

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.

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.

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.

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