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Best Credit Repair Companies in Thornton

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Back To Skye High Credit logo

Back To Skye High Credit

4340 East Kentucky Avenue, Glendale, CO 80246
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  • Credit Dispute

Back To Skye High Credit offers credit repair services for Thornton residents. Its team specializes in helping clients' improving credit scores, and the process involves a private consultation and creditor coordination. The credit repair specialists also handle documentation sending. They are well-versed in credit reporting practices and laws as well as items that have the most impact on credit reports. Back To Skye High Credit's team can address concerns involving a credit report's contents and actions that affect it.

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Complete Credit Plus logo

Complete Credit Plus

8120 Sheridan Boulevard, Arvada, CO 80003
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  • Credit Monitoring

Complete Credit Plus is a credit repair company serving Thornton and its neighboring communities. Its team of specialists offers credit consultations and conducts comprehensive investigations of its clients' credit profiles. They collaborate with the respective credit bureaus and creditors to correct account discrepancies and improve their clients' credit standing. The company also provides credit education, helping its clients understand the scoring system and advising them on maintaining positive credit scores and optimizing their financial situations.

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Continental Credit logo

Continental Credit

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

Continental Credit is a credit repair company that believes in personalized strategies and solutions for all credit cardholders. It offers to examine the credit scores and background financials of clients in Thornton and in nearby areas. The company checks for any unpaid amounts or unverified expenses. It then helps clients file for expense removal or process payments to fix outstanding debts. The company also advises clients on securing home loans, auto loans, and mortgage refinance.

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Credit Management Specialists logo

Credit Management Specialists

4673 West 20th Street, Greeley, CO 80634
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  • Debt Consolidation
  • Credit Audit

Credit Management Specialists is a credit repair company that serves Thornton and the surrounding areas. It helps clients raise their creditworthiness by reviewing credit reports and disputing any incorrect information. By law, any information about clients reported to credit bureaus must be accurate, up-to-date, and verifiable. If any accounts included do not meet those criteria, the company removes them from the record, thus improving clients' credit scores. Dan Beck, the company's specialist, has been fixing credit for more than nine years.

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Home Loans Assist logo

Home Loans Assist

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

Home Loans Assist is a credit repair company serving Thornton and the surrounding areas. It helps clients improve their credit scores, gaining access to better financial services such as home loan approvals, lower interest rates, and better insurance premiums. The company reviews its clients' credit reports, looking for any inaccuracies and disputing them with credit agencies. If they cannot verify these accounts, they are removed from the client's credit report. Additionally, Home Loans Assist educates clients to help them maintain good credit.

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Integrated Loan Assistance logo

Integrated Loan Assistance

7175 West Jefferson Avenue, Lakewood, CO 80235
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  • Credit Audit

Integrated Loan Assistance is a credit repair company helping the residents of Thornton improve their credit profiles and meet the requirements for mortgage qualification. Its team of credit specialists investigates credit reports and disputes inaccurate information with the relevant bureaus. They also provide expert advice on maintaining good credit and optimizing credit scores. The company handles unverifiable accounts such as collections, judgments, bankruptcy, S.O.L., and charge-offs. Its specialists have 20 years of combined experience in credit repair and FICO credit scoring.

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Loan Ready Credit logo

Loan Ready Credit

80 Garden Center, Broomfield, CO 80020
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  • Credit Dispute

Loan Ready Credit is a company that provides credit repair and optimization. It serves customers located in Thornton. The company creates an individualized credit strategy for clients with an analysis of their credit mix and open and active accounts. It analyzes the payment history, amounts owed, and credit history length. It can assist clients with credit restoration by obtaining and monitoring their reports. The company has tools on individual credit optimization that customers can use to keep updated on results.

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Riverstone Law logo

Riverstone Law

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

Riverstone Law is a firm that offers legal representation for credit repair in Thornton and Westminster. Its legal team provides clients with personalized services that help them qualify for an auto loan, credit card, and mortgage. It educates clients on credit score factors, such as payment history, revolving credit balance, credit history length, and various types of credit. Riverstone Law also offers legal services in corporate representation and estate planning.

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Xperia Credit logo

Xperia Credit

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

Xperia Credit is a financial services company serving Thornton and nearby areas. It offers a wide range of services for individuals related to their credit scores, including education, analysis, and recovery. The analysis evaluates different items that affect credit scores, such as foreclosures, late payments, bankruptcy, and collection accounts. Its team of credit specialists also provides information on how clients can acquire lower interest rates, loan approvals, and higher scores. Xperia Credit has been featured in the Los Angeles Times, Wall Street Journal, and USA Today.

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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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