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Best Credit Repair Companies in Lakewood

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360 Credit Consulting logo

360 Credit Consulting

PO Box 6310, Broomfield, CO
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  • Credit Monitoring

360 Credit Consulting is a credit repair company that helps clients figure out the factors that affect their credit scores. It also provides education on how to maintain one's good credit score and the things to do to improve it. In addition, it has a certified FICO credit team that aims to ensure that complete and accurate information is reflected on the client's credit report. The company caters to those located in Lakewood and the surrounding areas.

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Home Loans Assist logo

Home Loans Assist

1499 West 121st Avenue, Westminster, CO 80234
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  • Credit Dispute

Home Loans Assist is a company that has been helping Lakewood and Westminster's people repair their bad credit since 2013. The company offers a personalized program that helps people get approved for loans, such as credit education, credit preparation, and home loan application. Its business approach is to evaluate the clients' information, investigate the credit reports, and improve the credit scores. Home Loans Assist helps remove negative and erroneous information from its clients' credit reports.

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National Credit Care logo

National Credit Care

1499 West 121st Avenue, Westminster, CO 80234
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  • Credit Dispute

National Credit Care (NCC) is a credit repair company that serves new and seasoned cardholders in Lakewood. Its staff believes that face-to-face interactions with clients lead to personalized, effective credit strategies. They examine a client's credit card history for any inaccurate debts. They file for item removals before creditors and credit bureaus, then update the histories to improve a client's score. The company also advises inexperienced clients on credit scores and the Fair Credit Reporting Act.

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Norcross Consulting Services logo

Norcross Consulting Services

355 Garrison Street, Lakewood, CO 80226
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  • Credit Audit

Norcross Consulting Services is a financial consultant that serves clients in Lakewood. It specializes in providing debt management services, such as credit restoration, debt settlement, credit counseling, and debt refinancing. The company links clients with mortgage and real estate partners to improve their credit profiles. Devin Norcross, the company's owner, has more than 10 years of experience in educating lending institutions, businesses, and charities about the FICO scoring algorithms and processes used by credit-reporting agencies to gather and store borrowers' data.

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Riverstone Law logo

Riverstone Law

12110 North Pecos Street, Westminster, CO 80234
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  • Credit Audit
  • Credit Dispute

Riverstone Law has extensive experience helping individuals in Lakewood with personalized credit repair services. Its legal professionals are committed to representing the interests of the clients to reduce their FICO scores. They conduct consultations and investigations with major credit bureaus to correct erroneous, negative, and unverifiable information. They also offer practices to improve credit scores. Moreover, Riverstone Law provides assistance with estate planning and asset protection through plans that are customized to the clients' needs.

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Xperia Credit logo

Xperia Credit

999 18th Street, Denver, CO 80202
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  • Credit Dispute

Xperia Credit offers credit repair services to individuals in Lakewood and the surrounding areas. It helps clients improve their credit scores by reviewing their credit reports and disputing any incorrect information found in the documents. The company aims to help clients get access to better financial services, including better loan terms and approvals on lines of credit. Xperia Credit also offers credit education services, allowing clients to understand the laws that protect them and develop practices that help them maintain good credit.

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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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