Best Credit Repair Companies in Danbury

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Credit Saint

Danbury, CT
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Business Description

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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
Alto Credit logo
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Alto Credit

4348 Carpenter Avenue, Bronx, NY 10466
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  • Credit Monitoring

Business Description

Alto Credit is a full-service credit repair and restoration company serving individuals throughout Danbury and its surrounding communities. Its credit counselors cater to both English- and Spanish-speaking communities, assisting clients in restoring their credit ratings through thorough personalized analysis of all credit reports and scores. They also create a custom action plan to challenge or remove unverifiable or inaccurate information in credit histories. The agency also holds educational consultations so clients can be more empowered to improve their creditworthiness and maintain their good credit standing.

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.
4.9
Facebook
4.6 / 5 (11)

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
Financial Life Solutions logo
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Financial Life Solutions

1177 High Ridge Road, Stamford, CT 06905
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  • Credit Monitoring

Business Description

Financial Life Solutions is a credit repair company serving Danbury and the surrounding areas. It helps people improve their credit scores by identifying negative items on their credit reports, such as repossessions, collections accounts, late payments, student loans, charge-offs, and hard inquiries. It also provides consultation and credit analysis to determine if an individual is a good fit for their credit consulting program. Clients can access their credit score's real-time progress by logging in to their personal dashboards.

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
Facebook
5.0 / 5 (38)

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
JDR Credit Solutions logo
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JDR Credit Solutions

Naugatuck, CT 06770
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  • Credit Dispute

Business Description

JDR Credit Solutions caters to individuals in the Danbury area who want to improve and maintain their scores. The firm evaluates its clients' reports and challenges inaccurate negative items, including tax liens, judgments, late payments, repossessions, and bankruptcies. Its team also writes and submits dispute letters to credit bureaus on behalf of customers. The company prepares the documentation needed for the credit agencies. The clients of JDR Credit Solutions receive live status updates on the improvements of their credit reports and scores.

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 (6)
Facebook
5.0 / 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

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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