Expertise.com
2024

Last updated:

Best Credit Repair Companies in Lakewood

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Lakewood Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

114

Reviewed

71

Curated

8

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Lakewood, CO
  • Credit Restoration
  • Money Back Guarantee
  • Credit building
  • Credit Audit
  • Credit Repair

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

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

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
FEATUREDExpertise.com

Lexington Law

Lakewood, CO
  • Credit Repair
  • Consumer Credit Services

Why choose this provider?

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

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 Report Consultation

Website
355 Garrison Street, Lakewood, CO 80226
  • Credit Audit

Why choose this provider?

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.

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 (62)
Facebook
4.9 / 5 (41)

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

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

Why choose this provider?

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.

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
4.7 / 5 (279)
Facebook
4.9 / 5 (86)

Website
PO Box 6310, Broomfield, CO
  • Credit Monitoring

Why choose this provider?

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.

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
Google
4.3 / 5 (379)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

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
4.3 / 5 (301)
Facebook
4.9 / 5 (78)

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

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

Why choose this provider?

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.

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 (498)

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

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

Why choose this provider?

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.

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
4.6 / 5 (2203)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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.

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