Expertise.com

2024

Last updated:

Best Credit Repair Companies in Hartford

Our Recommended Top 4

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 Hartford 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.

90Reviewed

55Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Hartford, CT

Expertise.com Rating

Review Sources

Google
4.8 (10602)
Yelp
2.2 (30)

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

  • Credit Restoration
  • Credit building
  • Money Back Guarantee
  • Credit Repair
  • Credit Audit

Hartford, CT

Expertise.com Rating

Why choose this provider?

Need help contacting a Credit Repair Company in Hartford? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

131 Whiting Street, Plainville, CT 06062

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

860 Finances & Credit LLC provides credit repair assistance to Hartford residents. It offers several packages in order to cater to clients' different needs, whether they wish to pay monthly, pay per item deleted, or pay per dispute round. The packages include credit analyses, creditor disputes, 6-8 rounds of credit bureau disputes, and credit building, and its team also deletes various items such as medical bills, child support, tax liens, late payments, and student loans.

  • Credit Monitoring
  • Credit Audit

281 Hartford Turnpike, Vernon, CT 06066

Expertise.com Rating

Review Sources

Google
4.0 (36)
Yelp
5.0 (2)

Why choose this provider?

Since 1996, National Credit Fixers has been helping Hartford clients repair their credit scores. The company reviews the client's credit report and challenges any incorrect or inaccurate information with the corresponding credit bureaus. The company's certified FICO professionals carefully analyze each account listed in credit reports and legally and ethically removes them when applicable. After improving the scores, National Credit Fixers advises clients on how to maintain good credit and continually improve it.

  • Debt Consolidation
  • Credit Audit
  • Credit Dispute

FAQs

  • 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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