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Best Credit Repair Companies in Thornton

2023

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Website
Thornton, CO
  • Money Back Guarantee
  • Credit Restoration
  • 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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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
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Lexington Law

Website
Thornton, 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
Facebook
4.3 / 5 (2911)
Google
1.0 / 5 (5)

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
8120 Sheridan Boulevard, Arvada, CO 80003
  • Credit Monitoring

Why choose this provider?

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.

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 (9)
Google
4.3 / 5 (6)

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 Monitoring

Why choose this provider?

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.

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.
4.0
Google
4.0 / 5 (210)
Yelp
3.5 / 5 (15)

Website
80 Garden Center, Broomfield, CO 80020
  • Credit Dispute

Why choose this provider?

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.

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
Google
5.0 / 5 (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

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

Why choose this provider?

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.

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.
4.1
Google
4.0 / 5 (297)
Facebook
5.0 / 5 (50)

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

Why choose this provider?

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.

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.
3.3
Google
3.0 / 5 (54)
Facebook
4.0 / 5 (19)

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

Why choose this provider?

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.

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
Facebook
5.0 / 5 (14)
Google
3.0 / 5 (6)

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

Why choose this provider?

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.

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.
4.0
Google
4.0 / 5 (479)

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 Monitoring

Why choose this provider?

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.

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.
4.0
Google
4.0 / 5 (723)
Facebook
4.8 / 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
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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.

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